Investor Presentaiton

Canadian Banking Retail: Loans and Provisions (Spot Balances as at Q2/16, $ billions) $189.2 Total Portfolio = $260 billion¹; 93% secured² $31.5 $32.6 $6.7 3 Mortgages Lines of Credit Personal Loans Credit Cards % secured 100% 61% 99% 4% PCL Q2/16 Q1/16 Q2/16 Q1/16 Q2/16 Q1/16 Q2/16 Q1/16 $ millions 3 3 48 45 84 79 55 54 % of avg. net loans (bps) 1 1 63 57 106 99 338 334 (1) Includes Tangerine balances of $12 billion (2) 81% secured by real estate; 12% secured by automotive (3) Includes JP Morgan Chase acquisition of $1.3 billion 30 30 Scotiabank®

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