CorporateProfileScotiabankisaleadingmultinationalfinancialservicesproviderandCanada'smostinternationalbank.SincewelcomingourfirstcustomersinHalifax,NovaScotia,in1832,Scotiabankhascontinuedtoexpanditsglobalreach.Today,throughourteamofmorethan81,000employees,Scotiabankanditsaffiliatesofferabroadrangeofproductsandservices,includingpersonal,commercial,corporateandinvestmentbanking,toover19millioncustomersinmorethan55countriesaroundtheworld.Ourcorepurposeistobethebestathelpingcustomersbecomefinanciallybetteroffbyprovidingpracticaladviceandrelevantsolutions.Scotiabank'scontinuedgrowthandsuccessisfoundedonseveralkeyfactors:•Acommittedteamthatlivesoursharedvaluesandworkstogethertoprovidecustomerswithexpertadviceandservice•Asolidfoundationofkeystrengthsandpriorities,includingastrongcapitalbase,andexcellentriskandexpensemanagementskills•Astraightforwardbusinessmodelanchoredindiversificationbybusiness,geography,risk,andpeople,aswellasaclearfocusonafive-pointstrategyOurCoreBusinessesOurstrategyofdiversificationunderpinsourpotentialforsustainableearningsgrowthineachofourfourbusinesslines;CanadianBanking,InternationalBanking,GlobalBankingandMarketsandGlobalWealthManagement;overthelongterm.CanadianBankingCanadianBankingprovidesafullsuiteoffinancialadviceandsolutions,supportedbyanexcellentcustomerexperience,toover7millionpersonalandbusinesscustomersacrossCanadathrough1,030branches,over3,000automatedbankingmachines,aswellasinternet,mobileandtelephonebanking,specializedsalesteams,andthirdpartychannels.CanadianBankingiscomprisedoftwomainbusinesses:•Retail&SmallBusinessBankingprovidesfinancialadviceandsolutions,suchasday-to-daybankingproducts,includingdebitcards,depositaccounts,creditcards,investments,mortgages,loans,andrelatedcreditorinsuranceproductstoindividualsandsmallbusinesses•CommercialBankingdeliversadvisoryservicesandafullsolutionssuitetomediumandlargebusinessesincludingabroadarrayoflending,depositandcashmanagementsolutionsInternationalBankingInternationalBankingencompassesScotiabank’sretailandcommercialbankingoperationsacrosstheCaribbean&CentralAmerica,LatinAmericaandAsia/Pacific–aninternationalpresenceunmatchedbyotherCanadianbanks.Withover67,000employees(includingsubsidiariesandaffiliates),InternationalBankingprovidesafullrangeofPersonalandCommercialfinancialservicestomorethan12millioncustomersthroughanetworkofapproximately3,000branchesandoffices,6,000automatedbankingmachines,aswellastelephone,internetandmobilebanking,in-storebankingkiosks,andspecializedsalesforces.GlobalBankingandMarketsScotiabank'sGlobalBankingandMarketsdivisionprovidescorporateandinvestmentbankingandcapitalmarketsproductsandservicestocorporate,institutionalandgovernmentclientsaroundtheglobe.TheBankhasover30GlobalBankingandMarketsofficesaroundtheworldandmorethan300relationshipmanagers,organizedaroundindustryspecialties.GlobalBankingandMarketsprovidescorporatelending,equityanddebtunderwriting,andmergers&acquisitionsadvisoryservices,aswellascapitalmarketsproductsandservices,suchasfixedincome,derivatives,primefinance,securitization,foreignexchange,equitysales,tradingandresearch,andthroughScotiaMocatta,preciousandbasemetals.GlobalWealthManagementGlobalWealthManagementcombinesScotiabank’swealthmanagementandinsurancebusinessesinCanadaandinternationally,alongwithourGlobalTransactionBankinggroup,providingdiver...