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Scotiabank is Canada’s international bank and a leading financial services provider in North America, Latin America, the Caribbean and Central America, and parts of Asia. We are dedicated to helping our 21 million customers become better off through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking. With a team of more than 86,000 employees and assets of $852 billion (as at January 31, 2015), Scotiabank trades on the Toronto (TSX: BNS) and New York Exchanges (NYSE: BNS).

Scotiabank's continued growth and success is founded on several key factors:

• A committed team that shares the same values and works together to provide customers with expert advice, insights and financial solutions.

• A highly diversified and well-balanced business operating within a clearly defined global footprint.

• A strategy with a clear focus on three priorities that will help us build an even better Bank: being more focused on our customers; enhancing leadership depth, diversity and deployment; and being better organized to serve customers and reduce costs.

Our Core Businesses
Our strategy of diversification underpins our potential for sustainable earnings’ growth in each of our business lines: Canadian Banking, International Banking and Global Banking & Markets, over the long term.

International Banking
Scotiabank has an international presence unmatched by other Canadian Banks and provides a full range of financial products, solutions and advice to retail and commercial customers in select regions outside of Canada. International Banking also includes international wealth management and insurance.

International Banking operates in three regions outside of Canada, including Latin America, the Caribbean and Central America, and parts of Asia. In partnership with our associated corporations in China, Curacao, Thailand and Venezuela, a full range of personal and commercial financial services is provided to over 14 million customers through a network of close to 3,000 branches and offices, over 7,700 ABMs, mobile, internet and telephone banking, in-store banking kiosks and specialized sales forces.