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Investor Presentaiton

Canadian Residential Mortgage Portfolio Total Portfolio: $197 billion (Spot Balances as at Q2/17, $ billions) $96.2 $10.5 Average LTV of Insured 54% Uninsured uninsured 46% mortgages is 51%¹ New originations² average LTV of 63% in Q2/17 $85.7 $33.4 $7.0 $30.5 $3.7 $15.7 $1.7 $11.8 $0.2 $9.2 $26.4 $26.8 $0.7 $14.0 $11.6 $8.5 Ontario B.C. & Alberta Quebec Territories Atlantic Provinces Manitoba & Saskatchewan ■Freehold - $173B ■Condos - $24B € LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data. New originations defined as newly originated uninsured residential mortgages and have equity lines of credit, which include mortgages for purchases, refinances with a request for additional funds and transfer from other financial institutions. (2) (3) Some figures on bar chart may not add due to rounding. 30 Scotiabank®
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