Scotiabank Financial Overview

Scotiabank Scotiabank Outlook Rick Waugh President & Chief Executive Officer 35 Outlook 1. Reached important milestones in Q2 - another record quarter ☐ ப " #3 in market share in mortgages, personal deposits finalized three acquisitions pickup in corporate loan demand 2. Some challenges remain ■ ☐ stronger Canadian dollar pressure on interest margins, but good leverage from recent asset growth when margins do widen 3. Continue to use capital for acquisitions 4. Credit quality expected to remain stable 5. Expect to meet performance objectives 36

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