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Investor Presentaiton

International Banking - Regional Growth Revenues (TEB) ($ millions) +16% Y/Y Average Loans & Acceptances ($ billions) +13% Y/Y 33 33 30 2,4501 2,469 108 102 2,131 63 71 72 106 724 761 623 Q2/15 Q1/16 Latin America ■Caribbean & Central America Q2/16 Constant FX 1,618 1,606 Retail Commercial³ Total 1,402 Loan Volumes 2 Y/Y Latin America4 19% 19% 19% Q2/16 C&CA 8% 1% 5% Q2/15 Q1/16 Asia ■Caribbean & Central America ■Latin America Total 15% 14% 15% (1) Includes $30 million of negative goodwill related to the acquisition of Discount Bank in Uruguay which was entirely offset by integration charges (2) Colombia small business portfolio reclassed to Retail from Commercial commencing in Q1/16 - prior periods have been restated (3) Excludes bankers acceptances (4) Excluding impact of acquisitions - Discount (Uruguay), Cencosud (Chile), Peru Citi, Costa Rica and Panama - and at constant FX, retail volumes were up 13% in Latin America and 3% in C&CA 24 Scotiabank®
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