2013 Outlook Presentation

International Retail Loans and Provisions (Spot Balances at Q2/13, $ billions) $13.6 $1.0 $2.8 Total Portfolio = $36 billion; 68% secured Credit Cards ($4.3B) Personal Loans ($10.4B) Mortgages ($20.7B) $6.4 $6.4 +0.6 < 0.2 $4.8 $9.8 $1.6 $2.1 $4.2 $0.8 $1.7 $2.6 $4.2 $4.1 $1.3 $1.4 $1.2 % of total C&CA 38% Mexico 18% Chile Peru Colombia¹ 18% 13% 12% PCL Q2/13 Q1/13 Q2/13 Q1/13 Q2/13 Q1/13 Q2/13 Q1/13 Q2/13 Q1/13 $ millions 33 42 27 20 24 25 60 58 27 18 % of avg. 100 127 194 148 159 171 527 501 277 176 loans (bps) Scotiabank Note: Excludes non-material portfolios (1) 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 Q2/13 $57 billion (Average Balances) • Well secured • • Asia 32% Latin America 46% Caribbean & Central America 22% Portfolios in Latin America, Asia and Central America performing well Closely managing Caribbean hospitality portfolio Scotiabank

View entire presentation