2016 Year-End Financial Results

(1) (2) (3) Other Segment' 117 2,3 Net Income ($MM) 19 12 1 Year-over-Year Highlights 3 Lower contributions from asset/liability management activities, higher expenses and higher taxes. Net gains on sale of real estate were more than offset by lower investment securities gains. (23) Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Includes Group Treasury, smaller operating segments, and other corporate items which are not allocated to a business line. The results primarily reflect the net impact of asset/liability management activities Attributable to equity holders of the Bank Excluding restructuring charge of $278 million after-tax ($378 million before-tax) in Q2/16 11 Scotiabank®

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