Investor Update Second Quarter 2015

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1 Investor Update Second Quarter 2015

2 Caution re: Forward-looking Statements This presentation provides management with the opportunity to discuss the financial performance and condition of Home Capital Financial Group Inc. and Home Trust Company and, as such may contain forward-looking information about strategies and expected financial results. Various factors, many difficult to predict and to control, could cause actual results to differ materially from results projected in forward-looking statements. Accordingly, the audience is cautioned against undue reliance on these remarks. 2

3 Financial Performance Second Quarter

4 Q Results Q Results Increase (Decrease) vs. Q Q YTD Results Increase (Decrease) vs. Q YTD Net Income $72.3M -1.9% $144.6M 0.8% Diluted EPS $ % $ % Return on Equity 19.1% 19.4% Total Loans Under Administration $22.9B 7.9% $22.9B 7.9% 4

5 Mid-term Objectives (3-5 Years) Average pay out 19% - 26% of earnings as dividends Average annualized growth in diluted earnings per share (adjusted) of 8% - 13% Maintain strong capital ratios Average annualized return on equity in excess of 20% 5

6 Growing Our Core Business 6

7 Earnings Sustainable earnings growth year after year *Q earnings have been presented on an adjusted basis. 7

8 Diluted EPS Diluted EPS adjusted for the stock dividend of one common share for each issued and outstanding common share that was paid on March 10, 2014 Solid diluted earnings per share 390% growth in quarterly EPS over 10 years *Q EPS has been presented on adjusted basis. 8

9 Net Interest Income 1.8% increase in Q compared to Q Stable net interest margin in the quarter of 2.29% 9

10 Total Assets Under Administration Focus on higher margin traditional mortgage portfolio and off balance sheet opportunities 10

11 Focusing on Operational Excellence 11

12 Efficiency Ratio Home s efficiency ratio continues to be significantly better than the Big Banks Low efficiency ratio demonstrates a cost effective business model Continued prudent investment related to the longer-term growth of the business *Q efficiency ratio is presented on an adjusted basis. 12

13 Non-Performing vs. Net Write Offs as a % of Gross Loans Prudent strategies to maintain a high credit quality Close monitoring of non performing loans and proactive measures to minimize losses 13

14 Strong Shareholder Returns, Strong and Conservative Financial Position 14

15 Return on Shareholders Equity Continued solid return on shareholders equity *Q Return on Shareholders Equity has been presented on an adjusted basis. 15

16 Shareholders Equity Shareholder Equity is strong, no preferred shares outstanding or hybrid capital Strong return on Shareholders Equity 17 consecutive years over 20% Home Capital added $270M in 2014 and $87.5 M YTD. 16

17 Capital Management Home leads its peers in capital levels with CET 1 and Total Capital at 18.03% and 20.53% at the end of Q Well positioned for future regulatory changes or market opportunities 17

18 Historical Share Price Performance Q dividend of $0.22 per share or 21.36% of net income Share price and dividend yield has been adjusted for the stock dividend of one common share for each issued and outstanding common share that was paid on March 10,

19 P/E Ratios *Annualized Earnings 19

20 Outlook for 2015 Supply and demand in the Company s key established real estate market will remain balanced in 2015, with relatively stable prices and sales volumes in some markets, as demand for new homes and resale activity experiences some growth. The Company believes that the current and expected levels of housing activity indicate a healthy real estate market overall. The Company expects to see the impact of certain positive forces on its established markets through the second half of 2015, including a generally positive outlook for the US economy, the comparatively weaker Canadian dollar, the continued low interest rate environment and the beneficial impact of lower oil prices on economic growth both in Central Canada and globally. The Company will remain cautious in geographic and product expansion outside its established regions in Ontario. The Company remains committed to offering a range of mortgage products to support its one-stop initiative. The Company expects to see a strengthening of its origination volumes through the second half of 2015, with improved demand for its traditional mortgages within its established regions. The Company has seen an increase in originations near the end of the reporting period and the Company is confident its pipeline of mortgage originations will support improved volumes through the second half of 2015, relative to the first half of The Company will continue to originate and securitize prime insured single-family and multi-unit residential mortgages and will generally sell these off-balance sheet, generating gains on sale. The market for both of these products remains very competitive. The traditional mortgage business will maintain relatively stable net interest margin and net interest income levels, consistent on average to the experience of Q2 2015, while net interest margins on securitized assets continue to decline as older securitization programs reach maturity. The Company will continue to strengthen its funding capability through agreements with additional deposit brokers, growth of its high interest savings accounts and by enhancing its direct to consumer channel sales and service capabilities. The cost of deposits will remain relatively consistent with Q

21 Appendices 21

22 Home Capital Group Inc. Home Trust Company - Federally regulated deposit taking institution Member of Canada Deposit Insurance Corporation offering: Term deposit products High Interest Savings Account (HISA) Direct to consumer savings products via Oaken Financial Canada s one-stop mortgage lender offering Classic non-prime mortgages Accelerator Prime insured mortgages Equityline Visa Secured Visa product Preferred Visa product ecommerce solutions (via PSiGate) Retail Credit Commercial lending Investment grade ratings: HCG BBB-/A3 (Standard & Poor s), BBB/R-2 (middle) (DBRS) HTC BBB/A2 (Standard & Poor s), BBB(high)/R-2 (high) (DBRS) Listed on the Toronto Stock Exchange (Symbol: HCG) 22

23 Business Profile Home Capital Group Inc., together with its operating subsidiary Home Trust Company, has developed a track record of success as Canada's leading alternative lender. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products. MORTGAGE LENDING Home Trust is one of Canada's leading mortgage lenders, focusing on homeowners who typically do not meet all the lending criteria of traditional financial institutions. In addition, Home Trust offers a full range of insured mortgage products through the Accelerator program to individuals customarily served by larger financial institutions. With a proprietary lending approach, comprehensive borrower profiling and flexible alternative solutions, Home Trust is a one-stop shop for borrowers and mortgage brokers. Home Trust is also a provider of commercial first mortgages to high-quality borrowers in selected markets across Canada. CONSUMER LENDING Home Trust's Equityline Visa program brings the advantages to cardholders of accessing the equity they have built in their homes together with the features and convenience of a Gold Visa card. The Company also offers depositsecured credit cards for individuals who wish to build or re-establish a positive credit history. PSiGate, a wholly owned subsidiary, offers electronic card-based payment services to merchants who conduct business primarily on the Internet. Home Trust's Retail Credit Services provides installment financing for customers making purchases from established businesses. DEPOSIT INVESTMENTS Home Trust provides a broad range of deposit investment services including Certificates of Deposit, Guaranteed Investment Certificates, Registered Retirement Savings Plans, Registered Retirement Income Funds, Tax-free Savings Accounts and High Interest Savings Accounts. The Company has developed an extensive client base through its branch offices, and strong relationships with hundreds of deposit brokers and investment dealers across the country. DIRECT TO CONSUMER SAVINGS Oaken Financial offers a line of consumer deposit products, including Guaranteed Investment Certificates (GICs) and a new Oaken Savings Account providing consumers with a secure alternative to managing their savings independently. 23

24 Home Trust Branches Home Capital Group Inc. is a public company, traded on the Toronto Stock Exchange (HCG), operating through its principal subsidiary, Home Trust Company. Home Trust is a federally regulated trust company offering deposits, residential and non-residential mortgage lending, securitization of insured residential first mortgage products, consumer lending and credit card services. In addition, Home Trust offers deposits via brokers and financial planners, and through its direct to consumer deposit brand, Oaken Financial. Licensed to conduct business across Canada, Home Trust has branch offices in Ontario, Alberta, British Columbia, Nova Scotia, Quebec and Manitoba. Across Canada: 6 branches 789 employees (as of June 30, 2015) VANCOUVER CALGARY WINNIPEG HALIFAX MONTREAL TORONTO

25 Media/Investor Relations Contacts Investor Relations Home Capital Group Inc. Attention: Investor Relations 145 King St. West, Suite 2300 Toronto, ON, M5H 1J8 Canada Phone: (416) Toll Free Phone: (800) Inquiries: Upcoming Events July 29, 2015 Q Earnings Release Media Relations Gerald M. Soloway, Chief Executive Officer or Martin Reid, President To arrange an interview: Margaret Kingerski Phone: (416) Toll Free Phone: (800) November 4, 2015 Q Earnings Release July 30, 2015, 10:30 a.m. Q2 Conference Call 25

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