Investor Presentaiton

Canadian Banking - Revenue & Volume Growth Revenues (TEB) ($ millions) +10% Average Loans & Acceptances ($ billions) +3%1 Y/Y 37 40 41 Y/Y 67 72 73 -13 9 8 2,977 3,056 2,784 174 179 179 803 788 797 Q2/15 489 503 455 -116 Business Q1/16 Q2/16 ■Personal & credit cards Tangerine mortgage run-off Residential mortgages Average Deposits ($ billions) 1,532 1,671 1,663 +7% Y/Y Q2/15 Q1/16 Q2/16 60 66 65 Wealth ■Commercial 149 155 158 ■Gain on sale of a non-core lease financing business ■Retail Q2/15 (1) Excluding Tangerine run-off portfolio, loans & acceptances increased 5% year-over-year Personal Non-personal Q1/16 Q2/16 Scotiabank® 21

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