Strategic Economic and Financial Overview

43 44 International Retail Loans and Provisions $13.5 $0.8 $3.0 Total Portfolio = $32.8B 69% secured (Balances at Q3/12, $ billions) Credit Cards ($3.3B) Personal Loans ($10.1B) Mortgages ($18.9B) $5.6 $4.9 $0.1 $9.7 $0.3 $4.4 $2.1 $3.9 $1.0 $0.8 $1.3 $2.5 $3.6 $3.4 $1.5 $1.1 $1.1 % of total C&CA 41% Mexico Chile Peru Colombia¹ 15% 18% 13% 11% PCL Q3/12 Q2/12 Q3/12 Q2/12 Q3/12 Q2/12 Q3/12 Q2/12 Q3/12 Q2/12 $ millions 28 34 19 25 17 16 60 43 18 4 % of avg. loans (bps) 85 102 156 209 125 131 564 432 197 45 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. International Banking Commercial Lending Portfolio Q3/12 $53 billion • Well secured • . Asia/Pacific 34% Latin America 43% Caribbean & Central America 23% Portfolios in Asia/Pacific, Mexico, Chile, Peru and Central America performing well Closely managing Caribbean hospitality portfolio Note: Slide updated to report International Banking's average reported balances by region. Scotiabank

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