Investor Presentaiton

Canadian Banking - Revenue & Volume Growth Adjusted Revenues¹ (TEB) ($ millions) Average Loans & Acceptances ($ billions) +3%2 Y/Y +8% Y/Y 34 37 39 63 67 68 -17 13 -12 2,643 2,784 2,859 171 174 176 797 797 741 Q3/14 435 455 481 Business Q2/15 Q3/15 ■Personal & credit cards 1,467 1,532 1,581 Tangerine mortgage run-off Residential mortgages Average Deposits ($ billions) +3% Q3/14 Q2/15 Q3/15 Y/Y 58 60 60 ■Retail ■Commercial Wealth 145 149 150 (1) Adjusted for Cl contribution €2 (2) Excluding Tangerine run-off portfolio, loans & acceptances increased 6% year-over-year 20 20 Q3/14 Q2/15 Q3/15 Personal Non-personal Scotiabank®

View entire presentation