Strategic Economic and Financial Overview

39 40 PCL Ratios (Total PCL as % of average loans & BAs) Q3/11 Q4/11 Q1/12 Q2/12 Q3/12 Canadian Banking Retail 0.22 0.22 0.23 0.22 0.21 Commercial 0.66 0.45 0.36 0.22 0.22 Total 0.27 0.25 0.25 0.22 0.21 International Banking Retail 1.83 1.98 1.90 1.79 1.99 Commercial 0.09 0.25 0.00 0.09 0.13 Total 0.73 0.87 0.65 0.71 0.81 Global Wealth Management 0.01 0.06 0.03 (0.01) 0.09 Global Banking and Markets Corporate Banking 0.12 0.21 0.06 (0.01) 0.16 All Bank (ex. collective allowance 0.35 0.38 0.32 0.30 0.33 on performing loans) All Bank 0.32 0.34 0.32 0.30 0.44 Scotiabank Net Impaired Loan Formations ($ millions) 500 419 400 372 300 200 100 276 254 228 405 365 0 Q1/11 Q2/11 Q3/11 Q4/11 Q1/12 Q2/12 Q3/12 Scotiabank

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