Investor Presentaiton

Scotiabank Outlook Rick Waugh President & Chief Executive Officer 33 Scotiabank Outlook Stronger Second Half ■ Continuing to invest in growth initiatives . • organic expansion acquisitions ■ On track to meet three of four key targets ◉ unlikely to meet full year EPS growth target Expect stronger second half • benefit from recent asset growth • improving market conditions . • stable Canadian dollar 34

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