Investor Presentaiton

Global Wealth & Insurance Significant Growth in GWI As at Q4 2014 AUM In C$ Global Banking & Markets Niche Focus in GBM $165B As at Q4 2014 Total Assets (avg.) AUA $368B Q4/14 Net Income 1, 2 $321MM Productivity Ratio² 62.3% Total Deposits (avg.) Q4/14 Net Income 1, 2 Productivity Ratio² # of Employees 7,570 # of Employees In C$ $292B $51B $370MM 43.7% 1,996 Total Revenue² (2014) Total Revenue² (2014) Global Wealth Management 83% 17% Insurance Capital Markets 49% 51% Global Corporate & Investment Banking Net Income 1, 2 C$ millions $1,305 C$ millions $1,443 Net Income 1, 2 $1,455 $1,481 $1,207 $1,095 Scotiabank (1) Attributable to equity holders 2012 2013 2014 (2) Excludes Cl gain in Q3/14 and restructuring/accounting charges in Q4/14 2012 2013 2014 10 10

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