2013 Outlook Presentation

PCL Ratios (Total PCL as % of average loans & BAs) Q2/12 Q3/12 Q4/12 Q1/13 Q2/13 Canadian Banking Retail 0.22 0.21 0.20 0.18 0.18 Commercial 0.22 0.22 0.46 0.14 0.42 Total 0.22 0.21 0.23 0.18 0.21 International Banking Retail 1.79 1.99 2.03 2.12 2.15 Commercial 0.09 0.13 0.13 0.12 0.10 Total 0.71 0.81 0.841 0.87 0.87 Global Wealth Management (0.01) 0.09 0.08 0.04 0.10 Global Banking and Markets Corporate Banking (0.01) 0.16 0.12 0.05 0.13 All Bank (ex. collective allowance 0.31 0.34 0.36 0.32 0.35 on performing loans) All Bank 0.31 0.46 0.36 0.32 0.35 Scotiabank (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 10 of the Second Quarter Report to Shareholders. 33 Lower Net Impaired Loan Formations ($ millions) 500 400 299 300 200 100 394 374 355 349 326 295 241 216 0 Q2/11 Q3/11 Q4/11 Q1/12 Q2/12 Q3/12 Q4/12 Q1/13 Q2/13 (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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