Investor Presentaiton

Consistent Loan Growth $166 $143 $140 $149 $154 $159 $160 $162 $171 $160 $86 $86 $90 $91 $95 $96 $98 $100 $98 $101 $215 $214 $216 $217 $219 $217 $219 $223 $224 $228 Q1/15 Q2/15 Q3/15 Q4/15 Q1/16 Q2/16 I Business and Government Loans Q3/16 Personal Loans and Credit Cards Q4/16 Q1/17 Q2/17 Residential Mortgages Core P&C loan growth has ben steady over the last 10 quarters . Loans constitute 52% of the balance sheet 31 Scotiabank®

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