Investor Presentaiton

Canadian Banking Retail: Loans and Provisions (Spot Balances as at Q3/15, $ billions) 189.0 Total Portfolio = $256 billion 1, 93% secured² 31.3 30.3 5.0 Mortgages Lines of Credit Personal Loans Credit Cards PCL Q3/15 Q2/15 Q3/15 Q2/15 Q3/15 Q2/15 Q3/15 Q2/15 $ millions 4 3 46 47 71 63 44 44 % of avg. loans (bps) 1 1 58 62 96 90 358 383 (1) Includes Tangerine run-off balances of $15 billion (2) 82% secured by real estate; 11% secured by automotive 30 30 Scotiabank®

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