Investor Day Summary

CORE BANKING MARGIN 2.40% 2.54% YEAR-OVER-YEAR HIGHLIGHTS • Higher margins in Global Banking and Markets and Canadian Banking Partly offset by lower margins in International Banking given asset mix • 2.46% 2.46% 2.44% Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Scotiabank® 21

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