Q2 2014 Financial Review

Canadian Banking Retail: Loans and Provisions $188 (Spot Balances at Q2/14, $ billions) Total Portfolio = $247 billion; 94% secured $31 $24 $4 Mortgages % secured 100% Lines of Credit 62% Personal Loans 98% Credit Cards 7% PCL Q2/14 Q1/14 Q2/14 Q1/14 Q2/14 Q1/14 Q2/14 Q1/14 $ millions 3 3 41 41 49 45 34 29 % of avg. 1 1 55 53 87 80 355 304 loans (bps) (1) Includes Tangerine balances of $23 billion 29 International Retail Loans and Provisions (Spot Balances at $14.8 Q2/14, $ billions) $1.1 $3.0 Scotiabank Total Portfolio = $40.1 billion; 68% secured Credit Cards ($4.5B) ■Personal Loans ($11.5B) $7.6 $0.6 $6.9 $1.9 $10.7 $2.2 C&CA <<$0.2 ■Mortgages ($23.5B) $5.3 $4.9 $0.7 $1.9 $2.9 $5.1 $4.5 $1.5 $1.7 $1.5 Mexico Chile Peru Colombia¹ PCL Q2/14 Q1/14 Q2/14 Q1/14 Q2/14 Q1/14 Q2/14 Q1/14 Q2/14 Q1/14 $ millions 29 19 54 54 15 17 64 65 25 24 % of avg. 85 56 308 322 91 106 532 558 223 220 loans (bps)2 Note: Excludes non-material portfolios, except Total Portfolio (1) Purchased portfolio recorded at fair value, which includes a discount for expected credit losses. The bank expects to see increased provisions as the purchased portfolio in Colombia rolls over and reaches a steady state. (2) Q1/14 restated to reflect enhanced methodology. 30 Scotiabank 15

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