Scotiabank Strategy & Financial Objectives

Table of Contents Scotiabank Overview........... Scotiabank Strategy & Financial Objectives Key Strategic Priorities Medium-Term Financial Objectives Scotiabank Business Line Overview - - Canadian Banking........... International Banking...... Wholesale Banking.. Scotiabank Key Issues - - Energy Exposure.... Digital Focus.... 4 9 10 12 231 13 14 - Domestic Retail Exposure......... Canadian Household Debt. Scotiabank Track Record..... Funding ..... Canadian Covered Bonds Appendix 1: Canada & Select International Economies.... Appendix 2: Canadian Housing Market................ Appendix 3: Tangerine Overview Appendix 4: Latin America Overview 16 17 18 19 20 23 27 32 37 41 43 3 Scotiabank®

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