Investor Presentaiton

Four Diversified and Growing Platforms Business Line Diversification of earnings International Banking Focus on Lower Risk P&C Target: 70/30 Global Banking & 22% Markets 24% 34% 20% Global Wealth & Insurance 78% Personal & Commercial Wholesale 22% Canadian Banking Diversification creates stability and lowers risk Strong Canadian Base Target: 50/50 Presence in High Growth Markets International 44% 56% Canada Central America Asia * All figures based on 2014 net income (excludes Cl gain in Q3/14 and restructuring/accounting charges in Q4/14) Scotiabank Latin America Amin nd indicate a full range of corporate, comdal, trade face and tal services Areas with a red dot indicate global corporate and investment banking, or capital markets businesses, Scotiabank or attate bank presentative offices, or westment management or retail operations with len thin 10 branches 00 8

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