Investor Presentaiton

Core Banking Margin 2.38% 2.38% 2.38% 2.40% 2.35% Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Year-over-year Higher margins in Canadian Banking, Global Banking and Markets, and International Banking were more than offset by lower contributions from asset/liability management activities, including the impact of higher volumes of lower yielding investment securities Scotiabank® 19

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