Scotiabank Canadian Legislative Covered Bonds Presentation slide image

Scotiabank Canadian Legislative Covered Bonds Presentation

Why Invest in Scotiabank? • • A unique, stable, straightforward and successful bank model Diversified by business and geography providing long-term sustainable earnings Approximately 80% of earnings from stable retail, commercial and wealth management businesses Strong risk management culture in Canada, with the growth potential of International Clearly defined strategy and well positioned for growth • Focused on organic growth across business lines, with the potential for select tuck-in acquisitions across existing markets that make the Bank better Significant potential for synergies across a clearly defined restructuring program and digital initiatives, including Tangerine The Bank has significant history in Latin America which is expected to provide better and more attractive growth prospects over the long-term Attractive valuation on a P/E and P/B basis Strong track record of delivering consistent earnings and dividend growth Dividend yield in the mid-single digits and dividend has never been cut Mid-teens ROEs and strong capital levels 27 Scotiabank®
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