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Investor Presentaiton

Canada: COVID-19 Major Drag on Growth Substantial policy support should enable a rebound post-virus Fiscal Response Across Major Economies Loan, equity and guarantee measures* 35 Rev. & exp. measures 30 40 INN W w A 25 20 15 10 10 G7 avg., total G7 avg., direct 5 KP * Tax deferrals not included. ES Sources: Scotiabank Economics, IMF. As of mid-April 4,000 CAD monthly 3,000 2,000 1,000 US AU AU Core Expenses Across Households JP IT DE . COVID-19 leading to sharp drop in economic activity in 1H20 • Massive government support is setting the stage for a sharp rebound in the economy in 2H20 if the virus remains contained. Population growth remains a key differentiator in Canada relative to other countries The Lasting Impact of COVID-19 on Canadian GDP 110 total core expenses Index, 2019Q4 = 100 core expenses with mortgage deferral 105 100 unemployment benefit 95 95 90 90 85 January 13 forecast Current forecast 80 80 0 Bottom Middle Top Bottom Middle Top 75 Mortgage holder Renter 70 19Q4 20Q1 20Q2 20Q3 20Q4 21Q1 21Q2 21Q3 21Q4 Sources: Scotiabank Economics, Bank of Canada. Source: Scotiabank Economics. 71
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