Scotiabank Track Record

Personal Deposits DEPOSIT OVERVIEW • Important for both relationship purposes and regulatory value 5% CAGR over the last 3 years $190 83% of personal deposits are in Canada, growing at ~4% CAGR $170 17% of personal deposits are outside Canada and growing at ~11% CAGR $150 Business & Government share of deposits Leveraging relationships to increase $170 • 13% CAGR over the last 3 years $150 • Focusing on operational, regulatory $130 friendly deposits $110 $90 26 Personal Deposits (Spot, CDE, $Bn) $210 Q1/14 Q2/14 Q3/14 Q4/14 Q1/15 Q2/15 Q3/15 3Y CAGR - 5% Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Bus. & Gov't Deposits (Spot, CDE, $Bn)¹ Q1/14 Q2/14 Q3/14 Q4/14 Q1/15 Q2/15 1 Calculated as Bus& Gov't deposits less Wholesale Funding, adjusted for Sub Debt Q3/15 Q4/15 Q1/16 3Y CAGR 13% Q2/16 Q3/16 Q4/16 Q1/17

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