Investor Presentaiton

PCL Ratios (Total PCL as % of average loans & BAs) Q3/12 Q4/12 Q1/13 Q2/13 Q3/13 Canadian Banking Retail 0.21 0.20 0.18 0.18 0.17 Commercial 0.22 0.46 0.14 0.42 0.06 Total 0.21 0.23 0.18 0.21 0.16 International Banking Retail 1.99 2.03 2.12 2.15 2.06 Commercial 0.13 0.13 0.12 0.10 0.11 Total 0.81 0.841 0.871 0.87 0.84 Global Wealth Management 0.09 0.08 0.04 0.10 0.05 Global Banking and Markets Corporate Banking 0.16 0.12 0.05 0.13 0.12 All Bank (ex. collective allowance 0.34 0.36 0.32 0.35 0.31 on performing loans) All Bank 0.46 0.36 0.32 0.35 0.31 Scotiabank 33 (1) Includes the impact of Colombian purchased portfolio. The Bank expects the PCL ratio to rise with the maturity of the acquired portfolio. See Pg. 11 of the Third Quarter Report to Shareholders. Net Impaired Loan Formations ($ millions) 500 1 394 400 374 355 349 326 295 300 241 216 200 100 0 Q3/11 Q4/11 Q1/12 Q2/12 Q3/12 Q4/12 Q1/13 Q2/13 478 Q3/13 (1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico Scotiabank 34

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