Investor Presentaiton

CORE BANKING MARGIN 2.54% 2.46% 2.46% 2.44% 2.47% YEAR-OVER-YEAR HIGHLIGHTS Lower margins in International Banking and higher volumes of low margin Treasury assets Partly offset by higher margins in Canadian Banking given impact of recent rate increases by the Bank of Canada Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Scotiabank® | 19

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