Canadian Banking Financial Overview

Core Banking Margin (TEB)1 2.41% 2.39% 2.41% 2.41% 2.40% Q3/14 Q4/14 Q1/15 Q2/15 Q3/15 (1) Year-over-Year Higher margin in Canadian Banking was offset by impact of higher volumes of lower yielding deposits with financial institutions and lower ALM income Represents net interest income (TEB) as a % of average earning assets excluding bankers acceptances and total average assets relating to the Global Capital Markets business within Global Banking & Markets 19 Scotiabank®

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