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International Retail Loans and Provisions

Global Banking and Markets - Revenue & Volume Growth Revenues (TEB) ($ millions) -8% Y/Y Average Loans & Acceptances ($ billions) 1,010 63 929 965 +19% Y/Y 70 75 70 430 444 404 Q4/14 Q3/15 Q4/15 All-Bank Trading Revenue (TEB, $ millions) 580 453 521 526 407 353 348 3071 30 Q4/14 Q3/15 Q4/15 277 ■Business Banking ■Capital Markets 25 45 Q4/14 Q1/15 Q2/15 Q3/15 Q4/15 (1) Adjusted for notable items Scotiabank® (See Appendix - Notable Items)

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