Investor Day Summary

CANADIAN BANKING - REVENUE GROWTH AND NIM Good retail and commercial revenue growth REVENUE (TEB) ($MM) +4% Y/Y NIM (%) 2.39% 2.38% 2.41% 2.41% 2.41% 3,265 3,303 3,186 815 804 846 1.64% 1.65% 1.68% 1.66% 1.63% 581 579 520 1,820 1,869 1,920 Q1/17 1.05% 0.97% 0.97% 0.96% 0.99% Q1/18 Total Deposits Margin Q1/18 Q1/17 Q2/17 Q3/17 Q4/17 Total Canadian Banking Margin Total Earning Asset Margin Q4/17 Retail Commercial Wealth Scotiabank® 22 22

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