Investor Presentation March 2017

Data as at December 31, 2016 unless otherwise noted

Forward Looking Statements

The statements made in this presentation that are not historical facts contain forward-looking
information that involves risks and uncertainties. All statements, other than statements of historical facts,
which address Street Capital Group Inc.s expectations, should be considered as forward-looking
statements and therefore subject to various risks and uncertainties.
Such statements are based on knowledge of the environment in which Street Capital Group Inc. currently
operates, but because of the factors listed herein, as well as other factors beyond Street Capital Group
Inc.s control, actual results may differ materially from the expectations expressed in the forward-looking
statements. Factors that could cause results to vary include those identified in Street Capital Group Inc.s
Annual Information Form and other regulatory filings and all forward-looking statements included herein
should be considered in conjunction with such filings. Such factors include, but are not limited to,
changes to the business environment that may impact Street Capital Group Inc., its investments and
capital expenditures; and competitive factors which may impact revenue and operating costs. Street
Capital Group Inc. undertakes no obligation, and does not intend, to update or revise any revisions to
these forward-looking statements to reflect events or circumstances after the date hereof, or to reflect
the occurrence of any unanticipated events.

STREET CAPITAL GROUP INC. 2

Right Team. Right Strategy. Ready to Go.

Competitive monoline plus Schedule I bank platform

Shareholder-aligned management team with
expertise in all retail lending products
Near-term growth:
STREET CAPITAL
- #4* player in key broker channel maintain IS A PROVEN LENDER,
market share
POSITIONED FOR
- Predictable, high margin renewal stream SUSTAINABLE LONG-
- Launch of new bank products growth TERM GROWTH
becomes more significant in 2018
Committed to driving solid returns on capital and
shareholder value

* #4 in mortgage broker channel in Q4 2016 and fiscal 2016

STREET CAPITAL GROUP INC. 3
 Measured Approach to Growth

BANK
Institutional funding
VISION
Gain on sale model
BANK Maintain #4 market share
Gap in market for a
YESTERDAY WITHIN FIRST compelling full suite
3 YEARS Raise deposits using GICs
virtual retail banking offer
Insured mortgages Insured mortgages Multiple channels
Net interest margin model
Uninsured mortgages Build balance sheet broker and direct to
(early 2017) Control cost consumer
Credit card (2018) Drive strong ROE Enabled by technology

Bank licence enables diversification of our funding base and the ability to introduce new
products to our existing customers, as well as through complementary channels

STREET CAPITAL GROUP INC. 4

 FOUNDATION
INSURED LENDING

STREET CAPITAL GROUP INC. 5

 Canadian Broker Channel

Broker market share for all

Mortgage Broker Market Share %1
segments is 34%1 (by mortgage consumer)
60%

Brokers still capturing more than 50%

55% 51%
50% of first time homebuyers and 48% 49% 48%
42%
42% of repeat buyers2 40%
40%
42% 38%
34%
30% 32% 32% 33%
Broker focus on new originations 27% 26% 26%

enables Street Capital to generate 20%

21%
23% 21%
17%
predictable, highly profitable 10%

renewal stream
0%
2012 2013 2014 2015 2016
Brokers seeking additional lenders First Time Homebuyer Repeat Buyers Refinance Renewals
for growing uninsured segment
1 Source: CAAMP A Profile of Home Buying in Canada
2 Source: CMHC 2016 Mortgage Consumer Survey STREET CAPITAL GROUP INC. 6
 (by funded volume)
Street Capitals
Broker Market Share %

2
4
6
8
10
12
14

-
2008 - Q1
2008 - Q2
2008 - Q3
2008 - Q4
2009 - Q1
2009 - Q2
2009 - Q3

Source: Davis + Henderson Lender Insights Market Share Report as at December 31, 2016
2009 - Q4
2010 - Q1
2010 - Q2
2010 - Q3
Strong Market Position in Broker Channel

2010 - Q4
2011 - Q1
2011 - Q2
2011 - Q3
2011 - Q4
2012 - Q1
2012 - Q2
2012 - Q3
2012 - Q4
#4 broker market share in Q4-2016: 9.1%* & YTD: 8.8%*

2013 - Q1
2013 - Q2
2013 - Q3
2013 - Q4
2014 - Q1
2014 - Q2
2014 - Q3
2014 - Q4
2015 - Q1
2015 - Q2
2015 - Q3
2015 - Q4
2016 - Q1
2016 - Q2
STREET CAPITAL GROUP INC.

2016 - Q3
2016 - Q4
7
 Lenders First High Quality Insured Mortgage Portfolio

Industry-Leading credit quality on a seasoned portfolio of over $27 billion*

Culture of credit quality

0.11%*
Arrears Rate of
vs. 0.26%**
Canadian Banking
Pre-fund QA ~50% of mortgages
Portfolio Association Average underwritten

QA 100% of deals with new

0.04%*
Early Default
vs. 0.11%*** relationships

CMHC Average Separation of Sales/Underwriting

roles and compensation

Street Capital sells the insured mortgages it originates and does not bear credit risk
*As at Dec 31, 2016
**As at October 31, 2016, based on % of total number of mortgages; mortgage arrears is three or more months
STREET CAPITAL GROUP INC. 8
***As at June 30, 2016
Growth Driver Highly Profitable Renewal Opportunity

Streets historical growth will drive a solid, predictable stream of future renewals

Mortgages Sold 9.0 9.4 ~2.0x to 2.5x more profitable

($Billions) 7.7 7.8
than new originations
6.0 Per mortgage on renewals made directly
due to minimal acquisition costs no payment to broker

2.8
3.7
75-80%
1.7 Street Capitals targeted capture of
mortgages available for renewal
0.5
(those not paid off or refinanced prior to maturity)
2008 2009 2010 2011 2012 2013 2014 2015 2016
2017 renewals
A >60% increase in mortgages sold from 2011 to 2012 will drive strong
renewals in 2017, estimated to be $1.8B to $1.9B vs. 2016s $1.4B

2018 renewals are expected to be $2.4 to $2.6B

STREET CAPITAL GROUP INC. 9

Our Strategy has Driven Consistent Performance

Mortgages Under Mortgage Sales Net Gain on Sale of

($Billions)
Administration Mortgages
($Billions) ($Millions)
76.1
27.7 9.4
9.0
68.4
24.8
7.7 7.8
21.6 56.5
51.1
17.5 6.0 46.4

12.0
3.7 28.4
2.8 24.6
7.5
4.6 1.7 14.0
2.1

2009 2010 2011 2012 2013 2014 2015 2016 2009 2010 2011 2012 2013 2014 2015 2016 2009 2010 2011 2012 2013 2014 2015 2016

All numbers as at December 31st

STREET CAPITAL GROUP INC. 10
DRIVING SUSTAINABLE LONG-TERM GROWTH
SCHEDULE I BANK

STREET CAPITAL GROUP INC. 11

Our Target Mortgage Market is Large Schedule I bank licence opens the
uninsured, high-margin segment of that market
Street Capital has a foundation of >80,000 mortgages and ~130,000 borrowers

Residential mortgage credit outstanding*

~$1.4 trillion $Billions

Residential mortgage credit 1,600,000 25%

outstanding in Canada* 1,400,000
20%
1,200,000

5.7% 1,000,000
800,000
15%

10%
Average YoY growth (monthly) of residential 600,000
mortgage credit in Canada in 2015* 5%
400,000
0%
200,000

20% 0
Jan-69 Jan-74 Jan-79 Jan-84 Jan-89 Jan-94 Jan-99 Jan-04 Jan-09 Jan-14
-5%

Growth in uninsured** Total outstanding % Year-over-year monthly change

*Source: Statistics Canada CANSIM table 176-0069. Average at month-end up to January 31, 2016; unadjusted data.
The most recent data for some series are estimated and subject to revision STREET CAPITAL GROUP INC. 12
**Broker Channel Industry Report YTD Q3-2016
 Uninsured Mortgages a Growing Opportunity

8 mortgage rule changes during last five years uninsured is the fastest growing segment of the mortgage
market

TARGET HIGH QUALITY SEGMENTS

New immigrants

Self-employed

Rentals

Slightly bruised credit

Steady 2.0% to 2.5% net interest margin compared to 80bp net profit

Credit solutions for very good credits not addressed by Canadas large banks
STREET CAPITAL GROUP INC. 13
 Robust Pipeline and Prudent Underwriting Drive Uninsured Growth

SALES
Existing broker relationships
Robust pipeline of insured
turn-downs currently turn
down ~35% of the files
presented
New broker relationships
SUSTAINABLE
GROWTH
As we build our balance
FUNDING sheet, our revenue will
become more recurring in
GIC products nature. Revenue from the
distributed through UNDERWRITING bank platform will be
registered deposit recurring, as net interest
dealers Dedicated underwriters with margin business vs. the
experience in the segment current gain on sale
Match funded with model employed on the
insured side.
assets Additional diligence on
property attributes

Credit solutions for very good credits not addressed by Canadas large banks
STREET CAPITAL GROUP INC. 14
Vision: Potential Products, Services & Distribution Channels

CORE PRODUCTS & SERVICES

Chequing account
Savings account
THERE IS A GAP IN THE High interest transaction account
CANADIAN MARKET FOR A
COMPELLING, FULL SUITE LENDING
VIRTUAL RETAIL BANKING Equity-based lending
OFFER. STREET CAPITAL Non-equity & unsecured lending
PLANS TO MEET THIS NEED BY
PRUDENTLY ADDING TO ITS INVESTING & INSURANCE
PRODUCT AND SERVICE SUITE GICs
Registered Accounts
IN THE COMING YEARS.
Distributed offers:
Creditor life/disability
Home/auto insurance
Mutual funds/ETFs
Investment Management services

STREET CAPITAL GROUP INC. 15

Positioned for Sustainable Growth

Bank-experienced management team with a strong track record

Target to remain #4 market share in core broker channel

On the cusp of large renewal volumes highly predictable + stronger profitability/ROE

Bank platform to drive substantial revenue and earnings growth introducing uninsured product in 2017

Committed to driving solid returns on capital and shareholder value

STREET CAPITAL GROUP INC. 16

WITH OUR CRITICAL MASS ANCHORING OUR STABILITY, WERE LOOKING TO GROW WITH NEW PRODUCTS AND
NEW CHANNELS. WERE EXCITED ABOUT HOW TECHNOLOGY IS CHANGING WHAT IS POSSIBLE IN OUR INDUSTRY.
BUILDING ON OUR STRENGTHS, WERE READY FOR MORE, POISED TO BEGIN A NEW AND INNOVATIVE CHAPTER.

READY? CHECK.
SET? CHECK.
GO.

STREET CAPITAL BANK OF CANADA

February 1, 2017
APPENDIX
Key Performance Metrics Insured Business

Credit Metrics Financial Performance

As of December 31 For the year ended December 31
2016 2015 2016 2015

Serious arrears1 11bps 14bps Adj. ROE 12.9% 20.5%

Gain as % of
Avg. beacon2 746 742 1.78% 1.82%
mortgages sold

Operating expenses as
LTV2 80.8% 81.7% 0.50% 0.48%
% of mortgages sold

Acquisition expenses
TDSR2 36.2% 36.2% as % of mortgages 1.05% 0.98%
sold

1 Based on % of total number of mortgages outstanding; mortgage arrears is three or more months.
2 Portfolio weighted average at origination STREET CAPITAL GROUP INC. 19
Capital Street Capital Bank

Basel III Regulatory Capital

As of December 31 (pro-forma)
All-in basis 2016 2015
(000s, except %)

Common equity tier 1 capital (CET1) 95,323 82,004

Tier 2 capital n.a. n.a.

Total regulatory capital 95,323 82,004

Total risk-weighted assets 289,672 249,582

CET1 ratio 32.91% 32.86%

Tier 1 capital ratio 32.91% 32.86%
Total regulatory capital ratio 32.91% 32.86%
Leverage ratio 21.06% 24.95%

Based only on the consolidated subsidiary, Street Capital Bank

STREET CAPITAL GROUP INC. 20
Outlook
Adjusted EPS Growth (38%) +0% to +5% +30% to +35% +40% to +45%

Revenue Source 2016 Actual 2017 Estimate 2018 Estimate 2019 Estimate

Insured new originations $7.94 billion Up to 10% lower than Maintain market share Maintain market share
2016

Insured renewals $1.43 billion $1.8 to $1.9 billion $2.4 to $2.6 billion $2.6 to $2.7 billion

Gain on sale rates 1.78% 1.75% to 1.80% 1.75% to 1.80% 1.75% to 1.80%

Uninsured originations n.a. $150 to $200 million $600 to $700 million $850 to $950 million

Uninsured NIM (net of PCL) n.a. 2.0% to 2.5% 2.0% to 2.5% 2.0% to 2.5%

Expense ratio (% of originations 0.50% 0.54% to 0.56% Positive operating Positive operating
and renewals) leverage* leverage*

Adjusted return on tangible 17.0% 14.5% to 16% 16% to 18% 18% to 22%
equity

We are on the cusp of significant, sustainable

diversified revenue and earnings growth, as we execute
on our renewal pipeline and lever the bank platform.
*Positive operating leverage is defined as: percentage growth in revenue, minus percentage growth in expenses, is greater than zero
STREET CAPITAL GROUP INC. 21
 Proven, Capable Management Team
Management
Chief Executive Officer
President
Vice Chair
Chief Financial Officer
EVP & Chief Operating Officer
SVP and Chief Risk Officer
SVP Treasury
SVP Sales
VP Mortgage Credit
VP Internal Audit
VP Strategy and Operations
VP Human Resources
Ed Gettings Previously EVP, Mortgages, Lending & Insurance at CIBC
Lazaro DaRocha Previously VP, CIBC Mortgage and Lending, Product Management
Paul Grewal Previously President of FirstLine Mortgages, past Chairman of CAAMP
Marissa Lauder Previously SVP, Finance, Home Capital Group
Adam Levy Previously EVP & Chief Compliance Officer at Street Capital, previously SVP, Risk Management
and Corporate Counsel at Street Capital, previously SVP Corporate Development at Counsel
Corporation, and prior to that held positions as associate at Torys LLP and Goodwin Procter LLP
in Toronto and Boston, respectively
Gary Taylor Previously VP of Taxation and Asset Management at Counsel Corporation
Martin Frenette Previously VP, Mortgage Trading at Bank of America Merrill Lynch
Alfonso Casciato Previously VP, Credit Operations at Street Capital and VP, Credit Operations at FirstLine
Mortgages
Stephen Kissuk Previously Senior Credit Manager at Street Capital, and was a Risk Analyst with a private lender
based in Alberta
Janne Farias Previously AVP, Internal Audit with Home Trust
Michael Dressler Previously VP, Finance at Street Capital
Sonia Aggelakis Previously Director, HR at Louis Berger and Director, HR at Aon Risk Solutions
STREET CAPITAL GROUP INC. 22
Street Capital: Board of Directors

Board of Directors
Allan Silber The current Executive Chairman and former Chairman & CEO of the Corporation, which he founded in 1979.
Chairman
Ed Gettings CEO of the Corporation and Street Capital Bank.
CEO
Lea Ray A Chartered Professional Accountant, Ms. Ray has chaired several Audit, Finance and Governance Board Committees and
Chair Audit currently serves as Vice Chair of the Tarion Warranty Corporation and a Director of the Workplace Safety and Insurance Board
(Ontario). Her financial career began with PricewaterhouseCoopers and she is a former EVP, Corporate Finance, of Warner
Bros. Entertainment Canada Inc.
Paul Vessey Formerly EVP of TD Bank Groups US Product Management, Personal and Commercial Banking. Previously served as TD
Chair Governance, Conduct Canada Trusts SVP of Card Products and Personal Lending. Prior to TD, he was the COO of Visa USA Inc. He is a former
Review & Compensation Chairman of CIBC Mortgage Corp. and Vice Chairman of Visa International.

Ron Lalonde Served in a number of financial, operational, technological, risk management and human resources roles prior to his
Chair ERM retirement from his position as Senior Executive Vice-President, Technology and Operations at CIBC.
Ronald Appleby, Q.C. Partner at Robins, Appleby LLP since 1973 and appointed Queens Counsel in 1982.
Tom Bermingham Consultant to financial institutions in the areas of governance, risk, compliance, treasury, finance and accounting. He has
served as the Chief Risk Officer at Continental Bank of Canada and as Treasurer and Vice President of Finance at Bank of
Montreal.
Morris Perlis Served as President of the Corporation from 1992 until 2001. He rejoined the Corporation as Executive Vice Chairman in July
2009. He spent 13 years with American Express Inc., including five years as President of American Express Canada. During that
time he obtained approval for, and directed the launch of, the AMEX Bank of Canada, for which he also served as CEO.

STREET CAPITAL GROUP INC. 23

Geographic Distribution - Mortgages

Mortgages Under Administration Distribution Origination Distribution

2016 2016
2% 2%
2% 3%

Ontario
16%
16% Alberta Ontario

BC 10% Alberta
16%
63% Atlantic BC
70%
Prairies Atlantic

Prairies

2015 2015

2% 3% 2% 2%

Ontario Ontario
15%
16% Alberta Alberta

BC 14% BC
18% 61% Atlantic
Atlantic 67%
Prairies Prairies

STREET CAPITAL GROUP INC. 24

Geographic Footprint

250
employees

Vancouver
Calgary

Toronto (head office)

Toronto

STREET CAPITAL GROUP INC. 25

Capital Structure

TSX: SCB
As at Mar. 3, 2017

Market Cap $214 million

Share Price $1.76

Common Shares Outstanding 121.5 million

Ownership by Directors/Management >25%

STREET CAPITAL GROUP INC. 26

26
Contacts

ANALYST COVERAGE SHAREHOLDER / INVESTOR CONTACTS

National Bank Financial
Jaeme Gloyn
Jonathan Ross
(416) 869-8042 Investor Relations
(416) 283-0178
Cormark Securities jon.ross@loderockadvisors.com
Jeff Fenwick
(416) 943-6739 Ed Gettings
CEO
Industrial Alliance Securities
Dylan Steuart (647) 259-7873 x321
(416) 203-5824 ed.gettings@streetcapital.ca

Laurentian Bank Securities

Marc Charbin TRANSFER AGENT & REGISTRAR
(416) 865-5941

Computershare Investor Services Inc.

1(800) 564-6253

Please note that any opinions, estimates or forecasts regarding Street Capitals performance made by analysts covering
Street Capital are theirs alone and do not represent the opinions, forecasts, or predictions of Street Capital or its
management. Street Capital does not by its reference above imply any endorsement of or concurrence with such
information, conclusions or recommendations.

STREET CAPITAL GROUP INC. 27