Investor Presentaiton

Core Banking Margin 2.54% 2.46% 2.38% 2.40% 2.40% Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 17 Year-over-year Higher margins driven by growth in higher margin assets in International Banking, a reduction of lower yielding deposits with banks, as well as wider margins in Canadian Banking Scotiabank®

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