Q3 2016 Trading Results and Provisions for Credit Losses

Canadian Banking - Revenue & Volume Growth Revenues (TEB) ($ millions) +6% Average Loans & Acceptances ($ billions) +3%1 Y/Y 39 41 42 Y/Y 68 73 74 -12 8 7 3,056 3,043 2,859 176 179 180 788 808 797 Q3/15 489 504 481 Business Q2/16 Q3/16 ■Personal & credit cards 116 1,581 1,663 1,731 Tangerine mortgage run-off Residential mortgages Average Deposits ($ billions) +7% Y/Y Q3/15 Q2/16 Q3/16 60 65 66 Wealth ■Commercial 150 158 158 ■Gain on sale of a non-core lease financing business ■Retail Q3/15 Q2/16 Q3/16 (1) Excluding Tangerine run-off portfolio, loans & acceptances increased 5% year over year Personal Non-personal Scotiabank® 19

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