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Investor Presentaiton

Stable Economic Fundamentals Canada Economy has moderated in 2015 due to persistently weak commodity prices Household spending remains reasonably buoyant underpinned by relatively low and stable unemployment as well as low borrowing costs Population and labour force growth supported by strong immigration Stable inflation expectations within Bank of Canada target Band Non-resource exports are improving supported by competitive Canadian dollar, improving US demand Inflation 6 y/y % change 5 4 3 2 1 0 -1 -2 00 02 04 90 06 08 80 Bank of Canada Target Inflation Band A 10 12 14 14 % 12 10 Unemployment Rate Canada 8 6 4 2 0 U.S. 90 92 94 96 98 00 02 04 06 08 10 12 14 Source: Statistics Canada, BLS, Scotiabank Economics. Data through January 2016. Labour Force Participation Rate 2228 2222222 61 60 90 70 % 69 68 67 66 Canada 65 64 63 62 U.S. Source: Statistics Canada, BLS, Scotiabank Economics. Data through January 2016. 160 12 92 92 94 96 98 g 00 02 U.S. Canada 10 04 06 08 10 12 14 16 Source: Statistics Canada, BLS, Scotiabank Economics. Data through January 2016. Scotiabank® 16
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