Scotiabank Asset Growth and Business Line Outlook

Scotiabank Overview Rick Waugh President & Chief Executive Officer 3 Scotiabank Earning Through Challenging Environment Net income: $872MM, EPS: $0.81, ROE 17.6% • Record top-line revenue growth, up 12% • Solid profitability in all businesses Proactive risk management Solid capital - maintained dividend at $0.49/share 4

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