Investor Presentaiton

Canadian Banking: Residential Mortgage Portfolio ($ billions, as at July 31, 2013) $95 $9 Total Portfolio: $189 billion Average LTV of Insured Uninsured 56% uninsured mortgages is 44% 56%¹ $86 $30 $28 $5 -$3 $16 $25 $25 -$1 $12 -$0 $8 $15 $12 -$0 $7 Ontario B.C. & Territories Alberta Quebec Atlantic Provinces Manitoba & Saskatchewan Scotiabank 19 20 Freehold $170B Condos $19B (1) LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet and CREA data (2) Some figures on bar chart may not add due to rounding Risk Outlook Remains Stable • Asset quality remains high - Retail and commercial portfolios performing as expected Corporate portfolios continue to demonstrate strength Increase in provisions resulting from growth in portfolios and changes in product mix should start to moderate Canadian Retail provisions stable - International Retail provisions as expected - Corporate and Commercial provisions remain in good shape Scotiabank

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