2016 Year-End Financial Results

International Retail: Loans and Provisions $19.0 (Spot Balances as at Q4/16, $ billions¹) $1.8 Total Portfolio₁ = $53 billion; 67% secured $4.5 ■Credit Cards ($6.3B) ■Personal Loans ($16.0B) ■Mortgages ($29.4B) $10.9 $1.3 $9.3 - $0.4 $2.6 $3.3 $7.2 $12.7 $1.2 $5.3 $3.4 $1.6 $6.3 $6.3 $2.2 $2.6 $1.5 C&CA³ 3 Mexico Chile 3 Peru 3 Colombia PCL² Q4/16 Q3/16 Q4/16 Q3/16 Q4/16 Q3/16 Q4/16 Q3/16 Q4/16 Q3/16 $ millions 34 52 41 42 25 24 78 72 59 54 % of avg. net loans (bps) 75 115 186 197 97 101 472 445 460 456 (1) Total Portfolio includes other smaller portfolios (2) Excludes Uruguay PCLs of approximately $14 million (3) Includes the benefits from Cencosud and Citibank net acquisition benefits. Excluding the net acquisition benefits, C&CA's ratio would be 120 bps for Q4/16 and 134 bps for Q3/16, Chile's ratio would be 144 bps for Q4/16 and 151 bps for Q3/16 and Peru's ratio would be 502 bps for Q4/16 and 487 bps for Q3/16 Scotiabank® 32

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