2016 Year-End Financial Results

Fiscal 2016 Overview • • • • Strong performance in 20161 • • • Net income of $7.6 billion Diluted EPS of $6.00 per share ROE of 14.3% Revenue growth of 10% year-over-year Positive operating leverage of 1.0%1 Capital position remains strong at 11.0% Quarterly dividend raised twice in fiscal 2016 (1) Adjusting for Q2/16 restructuring charge of $278 million after-tax ($378 million before-tax) 4 Scotiabank®

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