Investor Presentaiton

Strong Focus on Risk Management • • Strengths Business model is to originate and hold assets Minimal off-balance sheet assets High proportion of on-balance sheet assets are "low risk" Loans & Acceptances by Borrower as at October 31, 2014 Business & Government Residential Mortgages 32% 49% 19% Personal & Credit Cards residential mortgages • Corporate loan book is diversified with a focus on PCL Ratio as a % of Average Loans & BAS Investment Grade clients 0.60% 0.54% 0.48% Scotiabank 0.45% 0.30% 0.15% 0.39% 0.36% 0.34% 0.32% 0.00% 2009 2010 2011 2012 2013 2014 12

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