Investor Presentaiton

Canadian Retail: Loans and Provisions $196.8 (Spot Balances as at Q2/17, $ billions) Total Portfolio = $271 billion¹; 93% secured² $32.3 $35.2 $6.8 Mortgages Lines of Credit Personal Loans Credit Cards % secured 100% 59% 99% 4% PCL2 Q2/17 Q1/17 Q2/17 Q1/17 Q2/17 Q1/17 Q2/17 Q1/17 $ millions 3 3 63 57 83 80 71 73 % of avg. net 1 1 81 72 101 96 452 437 loans (bps) (1) Includes Tangerine balances of $8 billion (2) 81% secured by real estate; 12% secured by automotive 29 29 Scotiabank®

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