Investor Presentaiton

Canadian Banking Retail: Loans and Provisions (Spot Balances as at Q1/16, $ billions) $190.0 Total Portfolio = $260 billion¹; 93% secured² $31.0 $32.2 $6.8 Mortgages Lines of Credit Personal Loans Credit Cards³ % secured 100% 60% 99% 4% PCL Q1/16 Q4/15 Q1/16 Q4/15 Q1/16 Q4/15 Q1/16 Q4/15 $ millions 3 4 45 47 79 67 54 48 % of avg. net loans (bps) 1 1 57 60 99 86 334 376 (1) Includes Tangerine balances of $13 billion (2) 82% secured by real estate; 11% secured by automotive (3) Includes JP Morgan Chase acquisition of $1.5 billion 31 A Scotiabank®

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