Strategy in action

43 44 Canadian Banking: Retail Loans and Provisions $149 (Spot balances at Q2/12, $ billions) Total = $197B; 93% secured $24 $15 $9 % secured Mortgages 100% Lines of Credit Personal Loans Credit Cards¹ 66% 98% 36% PCL Q2/12 Q1/12 Q2/12 Q1/12 Q2/12 Q1/12 Q2/12 Q1/12 $ millions 4 5 29 31 33 33 39 43 % of avg. 1 1 50 49 102 94 182 181 loans (bps) Scotiabank (1) Includes $6 billion of Scotialine VISA Note: Includes Wealth Management balances of -$3 billion International Retail Loans and Provisions $13.1 $0.8 $2.8 Total Portfolio = $31.6B 69% secured (Balances at Q2/12, $ billions) Credit Cards ($3.2B) Personal Loans ($9.4B) ■Mortgages ($18.5B) $5.3 $4.9 $0.1 $9.5 << $0.3 $4.2 $1.0 $1.9 $0.7 $3.6 $1.3 $2.4 $3.6 $3.3 $1.3 $1.1 $1.0 % of total C&CA 41% Mexico 16% Chile Peru Colombia¹ 17% 13% 11% PCL Q2/12 Q1/12 Q2/12 Q1/12 Q2/12 Q1/12 Q2/12 Q1/12 Q2/12 $ millions 33.6 29.5 24.6 27.1 16.4 21.4 43.4 38.8 4.0 % of avg. 102 86 209 233 131 175 432 417 45 loans (bps) Scotiabank (1) Recent acquisition in Colombia is reported for the first time in Q2/12 Note: Excludes balances of non-material portfolios of -$0.5 billion

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