International Banking and Growth

Canadian Banking - Revenue & Volume Growth Revenues1 (TEB) ($ millions) +6% Average loans & acceptances ($ billions) +4%2 Y/Y Y/Y 32 35 35 60 65 19 16 66 14 2,582 2,679 2,732 169 173 174 Q1/14 Q4/14 Q1/15 721 767 771 ■Business 422 436 450 1,439 1,476 1,511 ■ Personal & credit cards ■Tangerine mortgage run-off Residential mortgages Average deposits ($ billions) +3% Q1/14 Q4/14 Q1/15 Y/Y 56 59 60 ■Retail ■Commercial Wealth 145 145 146 €2 (1) Adjusted for Cl contribution (2) Excluding Tangerine run-off portfolio, loans & acceptances increased 6% year-over-year 18 Q1/14 Q4/14 Q1/15 Personal Non-personal Scotiabank®

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