International Retail Loans and Provisions

International Banking - Regional Growth Revenues2 (TEB) ($ millions) +12% Y/Y Average Loans & Acceptances ($ billions) +17% Y/Y 2,357 2,280 90 27 30 31 2,1062 -124 -81 712 57 63 68 664 584 Q4/14 Q3/15 Q4/15 Latin America ■Caribbean & Central America 1,441 1,492 1,555 Constant FX Retail Commercial³ Total Loan Volumes Y/Y Latin America¹ 16% 14% 15% Q4/14 Q3/15 Asia ■Caribbean & Central America Latin America Q4/15 C&CA 2% -5% -1% Total 11% 9% 10% (1) Excluding impact of Cencosud acquisition and at constant FX, retail and total bank volumes were up 12% and 14% respectively (2) Excluding $47 million pre-tax write-down related to Venezuela in Q4/14 -(See Appendix - Notable Items) (3) Excludes bankers acceptances 24 Scotiabank®

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