Q3 2016 Trading Results and Provisions for Credit Losses

International Banking – Revenue & Volume Growth Revenues (TEB) ($ millions) - - Average Loans & Acceptances1 ($ billions) +9% Y/Y +6% 23 23 Y/Y 21 27 26 24 2,469 2,424 2,280 48 55 53 879 828 813 1,590 1,596 1,467 Q3/15 Q3/15 Q2/16 Q3/16 Business ■Residential mortgages Personal & credit cards Average Deposits² ($ billions) +15% Y/Y 34 33 30 Q3/16 Q2/16 Non-interest revenue Net interest income (1) Colombia small business portfolio reclassed to Retail from Commercial commencing in Q1/16 - prior periods have been restated (2) Includes deposits from banks 46 53 53 54 Q3/15 Q2/16 Q3/16 ■Non-personal ■ Personal Scotiabank® 21

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