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Canadian Banking – Net Interest Margin - 2.38% 2.39% 2.39% 2.38% 2.41% 2.45% 2.20% 1.95% 1.70% 1.45% 1.66% 1.67% 1.64% 1.65% 1.68% 1.20% 0.95% 0.70% 0.96% 0.94% 0.97% 0.97% 0.96% Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Total Canadian Banking Margin -Total Earning Assets Margin -Total Deposits Margin Year-over-Year Net Interest Margin was up 3 bps to 2.41%, from higher yields in unsecured lending, the impact of the run-off of lower spread Tangerine mortgages, and higher deposit volumes 19 Scotiabank®

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