Q1 2017 Financial Performance

Canadian Banking - Net Interest Margin 2.35% 2.38% 2.38% 2.39% 2.39% 1.66% 1.66% 1.66% 1.67% 1.64% 0.92% 0.94% 0.96% 0.94% 0.97% Year-over-Year Net Interest Margin was up 4 bps, driven by margin expansion in deposits, higher yields on unsecured lending and the run-off of Tangerine mortgages Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Total Canadian Banking Margin Total Earning Assets Margin -Total Deposits Margin Scotiabank® 20 20

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