2016 Year-End Financial Results

Canadian Banking - Net Interest Margin 2.35% 2.38% 2.38% 2.39% 2.26% 1.60% 1.66% 1.66% 1.66% 1.67% 0.89% 0.92% 0.94% 0.96% 0.94% Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Total Canadian Banking Margin Total Earning Assets Margin -Total Deposits Margin Year-over-year Net Interest Margin was up 13 bps, driven primarily from higher earning assets and improved deposit margin. The positive impact from acquisitions was 5 bps. Scotiabank® 21

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