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Q2 Fiscal 2018

Investor Presentation

September 12, 2018

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Caution Regarding Forward-Looking Statements

From time to time Concentra Bank (“Concentra”) makes written and verbal forward-looking statements. These

are included in the MD&A, periodic reports to shareholders, regulatory filings, press releases, Concentra

presentations and other Concentra communications. Forward-looking statements are made in connection with

business objectives and targets, Concentra strategies, operations, anticipated financial results and the outlook

for Concentra, its industry, and the Canadian economy. Forward-looking statements are subject to known and

unknown risks, uncertainties and other factors that may cause the actual results, level of activity, closing of

transactions, performance or achievements of Concentra to be materially different from those expressed or

implied by such forward-looking statements, including but not limited to risks related to capital markets and

additional funding requirements, fluctuating interest rates and general economic conditions, legislative and

regulatory developments, changes in accounting standards, the nature of our customers and rates of default,

competition, and other.

All material assumptions used in making forward-looking statements are based on management’s knowledge of

current business conditions and expectations of future business conditions and trends, including their

knowledge of the current credit, interest rate and liquidity conditions affecting Concentra and the Canadian

economy. Although Concentra believes the assumptions used to make such statements are reasonable at this

time there may be other factors that cause results not to be as anticipated, estimated or intended. Certain

material assumptions are applied by Concentra in making forward-looking statements, including without

limitation, assumptions regarding its continued ability to fund its lending business, a continuation of the current

level of economic uncertainty that affects market conditions, continued acceptance of its products in the

marketplace, and the current tax regime. There can be no assurance that such statements will prove to be

accurate, as actual results and future events could differ materially from those anticipated in such statements.

Accordingly, readers should not place undue reliance on forward-looking statements. Concentra does not

undertake to update any forward-looking statements that are contained herein.

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Speakers

Don Coulter, Bsc, Msc, CPA, CAPresident and CEO

Paul Masterson, CPA, CA, MBAEVP, CFO

Update from the President & CEO

Don Coulter

President & CEO

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CEO Update:Continued Franchise Strength

1. Executive Changes

2. Corporate Performance

3. Strategy Update

Q2 Fiscal 2018

Franchise Earnings

Paul Masterson

EVP, CFO

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Improved results in Q2

• Very strong ROE% in Q2

• Revenues up slightly from Q1

• PCL remain low; Q2 is reflective of the change for IFRS 9

• Expenses up from Q1

• Net Income slightly down from Q1

Business Highlights in Q2

• Total Assets modest growth from Q1

• Strong results in our Commercial Lending business

• Residential Mortgage & Securitization business continues to be impacted by slower market conditions, market opportunities emerging in Alt A

• Steady results in our Consumer Lending business

• Consistent results for our Trust and Leasing businesses

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Residential Loans

Lower Insured Mortgages available due to market headwindsShift to conventional and Alt A growth

Loans Originated ($M)Assets on Balance Sheet ($B)

6.1 6.1 6.1 6.1 6.4

Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018

537

319

231189

482

Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018

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Commercial Lending

Loans Originated ($M)Assets on Balance Sheet ($B)

1.2 1.2 1.21.2

1.3

Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018

45

92103

54

230

Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018

Very strong growth of originations in Q2

1010

Consumer Loans

Loans Originated ($M)Assets on Balance Sheet ($M)

370 369 365 364 379

Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018

36

52

42 44

69

Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018

Continued growth from consumer lending sources

1111

Funding and Liquidity

29% 28% 30% 31% 35%

15% 14% 12% 13% 13%

50% 52% 50% 49% 47%

Q22017

Q32017

Q42017

Q12018

Q22018

Securitized

Capital Markets

Commerical

Credit Union

Retail

1.5 1.51.4

1.3 1.3

Q2 2017

Q3 2017

Q4 2017

Q1 2018

Q2 2018

Stable diversification of funding

Total Deposit by Source (%) Total Liquid Assets ($B)

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Strong Capital Ratios

(1) As per OSFI’s capital adequacy requirements

Capital Ratios remain stable

11.8%

13.0% 13.1% 13.1%12.1%

Q2 2017 Q3 2017 Q4 2017 Q1 2018 Q2 2018

CET1 RATIO

Questions?

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Get in touch!

Investor Relations Contact:

Paul Masterson, CPA, CA, MBAEVP, Chief Financial Officer

paul.masterson@concentra.ca306.523.5026

Bruce Klassen, CFACorporate Treasurer

bruce.klassen@concentra.ca 306.566.1956

concentra.ca/investor

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© Concentra Bank, 2018

concentra.ca