Investor Presentaiton

CANADIAN BANKING - REVENUE GROWTH AND NIM Good retail and commercial lending revenue growth REVENUE (TEB) ($MM) +3% Y/Y NIM (%) 2.38% 2.41% 2.41% 2.41% 2.43% 3,303 3,231 3,134 804 766 835 1.65% 1.68% 1.66% 1.63% 1.64% 579 558 528 1,920 1,771 1,907 Q2/17 1.05% 1.08% 0.97% 0.96% 0.99% Q1/18 Q2/18 Q2/17 Q3/17 Q4/17 Q1/18 Retail Commercial Wealth Total Canadian Banking Margin Total Earning Asset Margin Q2/18 Total Deposits Margin Scotiabank® | 20

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