Investor Presentaiton

STABLE CORE BANKING MARGIN Core Banking Margin (%) 2.47% 2.46% 2.45% 2.45% 2.45% Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 YEAR-OVER-YEAR HIGHLIGHTS • • Lower margins in Global Banking and Markets and lower contribution from asset/liability management activities Partially offset by change in business mix from the impact of International Banking acquisitions and higher margins in Canadian Banking Scotiabank. 20

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