Investor Presentaiton

Canadian Banking - Net Interest Margin 2.35% 2.38% 2.26% 2.25% 2.26% Year-over-Year 1.59% 1.59% 1.60% 1.66% 1.66% 0.92% 0.90% 0.89% 0.92% 0.94% Net Interest Margin was up 12bps, driven primarily from higher earning asset and deposit margin. The positive impact from acquisitions was 6bps. Q2/15 Q3/15 Q4/15 Q1/16 Q2/16 Total Canadian Banking Margin -Total Earning Assets Margin Total Deposits Margin Scotiabank® 22 22

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