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Investor Presentaiton

Digital Focus Digital Transformation Strategy Aspire to become a digital leader in the financial services industry ALIGNMENT CUSTOMER EXPERIENCE CULTURE & TALENT TECHNOLOGY MODERNIZATION OPERATIONAL EFFICIENCY Medium Term Digital Objectives DIGITAL ADOPTION CUSTOMER EXPERIENCE BY OUR CUSTOMERS A leader in our five key markets (measured by NPS) DIGITAL RETAIL SALES IN-BRANCH FINANCIAL TRANSACTIONS At least At least Less than 50% 70% 10% Priority: One of the Bank's key strategic priorities is digital transformation, which we believe is a key enabler of the Bank's overall strategy Digital Strategy: Become a digital leader in the financial services industry by focusing on the customer experience, operational efficiency, modernization of our technology and platforms, top-to- bottom organizational alignment, and developing a performance oriented culture with strong talent. Digital Banking Update: On February 2, 2017 the Bank hosted a Digital Banking Update, a first of its kind among the Canadian Banks, to update the investment community on the plans to digitize the Bank and provided directional digital objectives. These efforts will help improve the all-bank productivity ratio to less than 50% by 2021. WILL IMPROVE ALL-BANK PRODUCTIVITY RATIO 19 Scotiabank®
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