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Investor Presentaiton

International Banking - Revenue & Volume Growth Revenues (TEB) ($ millions) Average Loans & Acceptances² ($ billions) +13% Y/Y +16% Y/Y 20 2,4501 2,469 25 225 23 27 27 2,131 48 55 55 892 879 751 1,558 1,590 1,380 Q2/15 Q1/16 Q2/16 Business ■Residential mortgages Personal & credit cards Average Deposits³ ($ billions) +19% Y/Y 33 34 29 Q2/15 Q1/16 Q2/16 53 44 53 Net interest income Non-interest revenue (1) Includes $30 million of negative goodwill related to the acquisition of Discount Bank in Uruguay which was entirely offset by integration charges Q2/15 (2) Colombia small business portfolio reclassed to Retail from Commercial commencing in Q1/16 - prior periods have been restated (3) Includes deposits from banks 23 23 Q1/16 Q2/16 Scotiabank® ■Non-personal ■ Personal
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