Investor Presentaiton

Q1 2016 Overview ● Strong start to the year . Net income of $1.8 billion • Diluted EPS of $1.43 per share ROE of 13.8% Revenue growth of 9% year-over-year Capital position remains strong at 10.1% Quarterly dividend increased by 2 cents to $0.72 per share Scotiabank® 4

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