Investor Presentation Second Quarter 2018
TANGERINE OVERVIEW
Canada's #1 Digital Bank and the official and exclusive Bank to the Toronto Raptors¹
~95%
-97%
55
Industry Leading NPS2 Digital Onboarding Digital Transactions
KEY STRATEGIC FOCUS:
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Simplicity
-91%
Digital Sales
Simple market-leading products that appeal to value-conscious
Canadians
Deliver a seamless Client Experience through digital innovations
Great rates, simple products, and no unfair fees
Velocity
Enhanced self-service options, adding speed and agility (eg. New
client multi-product enrollment up 6 times)
Nimble modern platform supporting rapid development cycles
A low cost, scalable, digital approach
Partnerships
Accelerating momentum through the Toronto Raptors
Deepening client relationships by introducing SCENE Loyalty
Collaboration opportunities with Scotiabank (eg. Procurement)
Modern Platform
90
Scalable:
Nimble, low cost systems
provide a holistic client view
without legacy issues.
1 Effective July 1, 2018
2 FY2017
Speed & Agility
Agile-Like:
Rapid Development Cycles
enable new product & feature
delivery quickly and efficiently.
Value-Conscious
Self-Directed
Tech-Friendly
Higher Client Growth from Cross-buy
~50% Clients Own Multiple Products
Primary Clients = Stickier Relationships
# Primary Clients +30% Y/Y
Strong Client Advocacy
50% New Clients via Referrals
Strategy offers superior growth opportunities:
Accelerating momentum on collaboration opportunities between
Tangerine and Scotiabank
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Everyday Banking product suite offers diversified NIAT profile in
the face of intensified competition and low rates
Strong growth in new client and Primary Banking customers
Focus on multi-product client relationships
Tangerine Investments among fastest growing index funds
Line of Credit Offering to be launched in 2018
93% of Tangerine's clients are linked to competitors: Big 5 (ex-
Scotiabank) and Credit Unions
Client-Driven Innovation
Incubator:
Identify, explore, and pilot new
technologies and solutions to
meet evolving Client needs.
Unique 'Orange' Culture
>
Team Tangerine:
Our unique culture and
lean team are an essential
part of how we deliver.
Award Winning Approach
Consistently Recognized:
J.D. Power Customer Satisfaction
seven years in a row, IPSOS, and
Digital Brokerage Awards
Scotiabank
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