Investor Presentaiton

Canadian Banking - Revenue & Volume Growth Revenues (TEB) ($ millions) Average Loans & Acceptances ($ billions) +5%1 Y/Y +7% Y/Y 42 44 46 74 75 77 -7 5 4 3,043 3,134 3,266 180 188 191 831 808 835 Q3/16 Business 546 504 528 Q2/17 Q3/17 ■Personal & credit cards Tangerine mortgage run-off Residential mortgages Average Deposits ($ billions) +5% Y/Y 1,889 1,731 1,771 66 69 73 158 162 162 Q3/16 Q2/17 Q3/17 Retail ■Commercial Wealth (1) Adjusting for Tangerine run-off portfolio, loans & acceptances increased 6% year over year 18 Q3/16 Q2/17 Q3/17 Personal Non-personal Scotiabank®

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