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International Retail Loans and Provisions

International Banking - Revenue & Volume Growth Revenues (TEB) ($ millions) Average Loans & Acceptances ($ billions) +17% Y/Y +12% 21 Y/Y 20 18 2,357 24 26 22 2,280 2,1061 44 49 52 847 813 804 Q4/14 Q3/15 Q4/15 Business ■Residential mortgages Personal & credit cards 1,467 1,510 1,302 Average Deposits² ($ billions) +19% Y/Y 30 31 27 Q4/14 Q3/15 Q4/15 39 39 Net interest income ■Non-interest revenue 46 47 Q4/14 ■Non-personal Q3/15 Q4/15 Personal (1) Excluding $47 million pre-tax write-down related to Venezuela in Q4/14 - (See Appendix - Notable items) 23 (2) Includes deposits from banks Scotiabank®

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