Q3 2014 Financial Performance

Canadian Residential Mortgage Portfolio ($ billions, as at July 31, 2014) $94 $9 32 (1) (2) Total Portfolio: $189 billion Insured Uninsured 52% 48% Average LTV of uninsured mortgages is 55%¹ $84 $30 $5 $29 -$3 $16 $25 $26 -$1 $12 -$0 $8 $14 $12 -$0 $8 Ontario B.C. & Territories Alberta Quebec Atlantic Provinces Manitoba & Saskatchewan Condos $20B Freehold - $169B LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet and CREA datal Some figures on bar chart may not add due to rounding Appendix Scoti You' 17 Scotiabank Scotiabank 9

View entire presentation