2016 Year-End Financial Results

Canadian Retail: Loans and Provisions (Spot Balances as at Q4/16, $ billions) $193.3 Total Portfolio = $266 billion¹; 93% secured² $33.9 $32.0 $6.8 3 % secured Mortgages 100% Lines of Credit Personal Loans Credit Cards 61% 99% 4% PCL Q4/16 Q3/16 Q4/16 Q3/16 Q4/16 Q3/16 Q4/16 Q3/16 $ millions 3 3 56 56 79 78 65 59 % of avg. net loans (bps) 1 70 70 94 95 380 346 Includes Tangerine balances of $9 billion (2) 81% secured by real estate; 12% secured by automotive (3) Includes JP Morgan Chase acquisition of $1.1 billion 30 50 Scotiabank®

View entire presentation