Investor Presentation

Strong Cost and Risk Culture Productivity Ratio (%) bps 75% 90 80 70% 70 65% 60 Provisions for Credit Losses as % of Average Loans & BAs 60% 55% 50% 40 IN WO 30 20 50 10 45% 0 2009 2010 2011 2012 2013 2014 2009 2010 2011 2012 2013 2014 YTD YTD Scotiabank 4 Canadian bank peers 12

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