Investor Presentaiton

Canadian Retail: Loans and Provisions (Spot Balances as at Q3/17, $ billions) $201.8 Total Portfolio = $278 billion¹; 93% secured² $32.8 $36.7 $6.8 Mortgages Lines of Credit Personal Loans Credit Cards % secured 100% 61% 99% 4% PCL2 Q3/17 Q2/17 Q3/17 Q2/17 Q3/17 Q2/17 Q3/17 Q2/17 $ millions 3 3 61 63 83 83 67 71 % of avg. net 1 1 77 81 94 101 409 452 loans (bps) (1) Includes Tangerine balances of $8 billion (2) 81% secured by real estate; 12% secured by automotive 30 30 Scotiabank®

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