Investor Presentaiton

International Banking - Regional Growth Revenues (TEB) ($ millions) Average Loans & Acceptances ($ billions) +13% +12% Y/Y Y/Y 2,280 30 30 26 2,131 124 2,028 106 - 74 56 63 63 664 574 623 Q3/14 Q2/15 Q3/15 Latin America ■Caribbean & Central America Constant FX 1,380 1,402 1,492 Retail Commercial¹| Total Loan Volumes Y/Y Latin America 15% 10% 12% C&CA 1% -5% -1% Q3/14 Q2/15 Q3/15 Asia Total 10% 6% 8% ■Caribbean & Central America ■Latin America (1) Excludes bankers acceptances 23 23 Scotiabank®

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