Investor Presentaiton

Canadian Banking - Revenue & Volume Growth Revenues (TEB) ($ millions) +9% Average Loans & Acceptances ($ billions) +4%1 Y/Y 35 39 40 Y/Y 66 70 72 -14 10 - 9 2,977 2,732 2,872 174 178 179 803 788 771 Q1/15 473 503 450 Business Q4/15 Q1/16 ■Personal & credit cards 1,511 1,611 1,671 Tangerine mortgage run-off Residential mortgages Average Deposits ($ billions) +7% Q1/15 Q4/15 Q1/16 Y/Y 60 62 66 ■Retail ■Commercial Wealth 146 154 155 (1) Excluding Tangerine run-off portfolio, loans & acceptances increased 6% year-over-year 21 Q1/15 Q4/15 Q1/16 Personal Non-personal Scotiabank®

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