Investor Presentaiton

Canadian Banking Retail: Loans and Provisions (Spot Balances as at Q4/15, $ billions) $190.1 Total Portfolio = $258 billion¹; 93% secured² $31.2 $31.8 $5.1 Mortgages Lines of Credit Personal Loans Credit Cards % secured 100% 61% 99% 6% PCL Q4/15 Q3/15 Q4/15 Q3/15 Q4/15 Q3/15 Q4/15 Q3/15 $ millions 4 4 47 46 67 71 48 44 % of avg. net 1 1 60 58 86 96 376 358 loans (bps) (1) Total portfolio includes Tangerine balances of $14 billion and excludes other smaller balances (2) Of total exposure, 82% secured by real estate; 11% secured by automotive 31 Scotiabank®

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