Strategy in Action Investor Presentation

International Retail Loans and Provisions (Spot Balances) $13.4 $0.8 $3.0 Total Portfolio = $34 billion 68% secured Credit Cards ($3.4B) Personal Loans ($10.4B) Mortgages ($19.8B) $6.0 $5.5 <<$0.1 <-$0.3 $9.6 $2.1 $4.6 $4.1 $1.3 $0.8 $1.4 $2.5 $3.9 $3.8 $1.5 $1.3 $1.2 % of total C&CA 39% Mexico 16% Chile Peru¹ Colombia2 18% 13% 12% PCL Q1/13 Q4/12 Q1/13 Q4/12 Q1/13 Q4/12 Q1/13 Q4/12 Q1/13 Q4/12 $ millions 42 35 20 21 % of avg. loans (bps) 127 105 148 169 27 25 16 171 111 560 58 55 18 16 501 483 176 163 Note: Excludes non-material portfolios (1) Excludes $150MM loans reclassified O commercial (2) Scotiabank 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. 37 38 International Banking Commercial Lending Portfolio Q1/13 = $54 billion (Average Balances) • Well secured • • Latin America 47% Asia 31% Caribbean & Central America 22% Portfolios in Asia, Mexico, Chile, Peru and Central America performing well Closely managing Caribbean hospitality portfolio Scotiabank

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