Investor Presentaiton

Canadian Banking - Net Interest Margin 2.38% 2.38% 2.39% 2.39% 2.38% Year-over-Year 1.66% 1.66% 1.67% 1.64% 1.65% 0.94% 0.96% 0.94% 0.97% 0.97% Net Interest Margin was stable at 2.38%, as increased spreads in retail deposits and higher yields on unsecured lending were offset by lower spreads on commercial loans and residential mortgages Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Total Canadian Banking Margin Total Earning Assets Margin -Total Deposits Margin 19 Scotiabank®

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