Investor Presentaiton

International Banking - Revenue & Volume Growth Revenues (TEB) ($ millions) Average Loans & Acceptances ($ billions) +13% Y/Y +12% 20 20 Y/Y 18 24 24 21 2,280 2,131 2,028 43 49 49 813 751 Q3/14 Q2/15 Q3/15 720 Business ■Residential mortgages Personal & credit cards 1,308 1,380 1,467 Q3/14 Q2/15 Average Deposits 1 ($ billions) +16% Y/Y 29 30 26 Q3/15 39 39 Net interest income ■Non-interest revenue (1) Includes deposits from banks 22 22 44 46 Q3/14 Q2/15 Q3/15 ■Non-personal Personal Scotiabank®

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