Investor Presentaiton

Q2 2016 Overview ● Good Q2 results¹ . Net income of $1.9 billion • Diluted EPS of $1.46 per share ROE of 14.4% Revenue growth of 10% year-over-year Capital position remains strong at 10.1% Quarterly dividend unchanged at $0.72 per share (1) Excluding restructuring charge of $278 million after-tax ($378 million before-tax) Scotiabank® 4

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