Annual MeetingMay 16, 2012

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Dr. Kevin P.D. SmithChairman

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Gerald M. SolowayCEO

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Disclaimer

“This presentation provides management with the opportunity to discuss the financial performance and condition of Home Capital 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 the forward-looking statements. Forward-looking statements are made in connection with business objectives and targets, Company operations, anticipated financial results and the outlook for the Company, its industry, and the Canadian economy. Accordingly, the audience is cautioned against undue reliance on these remarks.”

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DELIVERING

OUTSTANDINGSHAREHOLDER VALUEFOR 25 YEARS

Recession 1990-1994

25 Years of Outstanding Performance

6

1986

Employees

Equity

Assets

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$3M

$50M

1986 1990 1994

Weatheredthe storm

20011998

25 Years of Outstanding Performance

7

Assets > $500M

1999

Opened branches in Vancouver, Calgary

Assets > $1B

1986 1998 1999 20011990 1994

First quarterly dividend

2002

25 Years of Outstanding Performance

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Opened office in Halifax

2004

Market cap > $1B

2007

20042002

L I S T E D O NHCG

Office in Montreal

1986 1998 1999 20011990 1994 2007

2008 2011

25 Years of Outstanding Performance

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Employees

Equity

Assets

> 550

$775M

$17.7B

Today2008

Accelerator Program

• Insured mortgage products

200420021986 1998 1999 20011990 1994 2007

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OUTSTANDINGPERFORMANCE

Record 2011 Results

Results Target

30.4%Adjusted net income

30.4%Adjusted diluted EPS

14.0%Total assets

27.4%Return on equity

11.1%Quarterly dividends

15-20%

15-20%

13-18%

20%

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Results Versus Q1, 2011

Continued Strong Momentum – Q1, 2012

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$52.5MNet income

$1.52Diluted EPS

$18BTotal assets

26.2%Return on equity

$0.22Quarterly dividends

21.7%

22.6%

12.4%

10.0%

All business lines had solid growth

Successful Performance to Continue

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Recessions

Recessions

Global turmoil

Global turmoil

Challengingm

arketsC

hallengingm

arkets

Resilient Housing Market

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Canada remains in an enviable position

Balanced supply and

demand

Low unemployment

Consumers servicing

debts

Solid real estate

fundamentals

Portfolio Well-Positioned for Current Economy

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Insured

40%Loan to

value ratio<70%

60%

Non-performing loans and losses low

2012 Market Forecast

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No housingbubble

Real estate Flat

Interest rates Modestincreases

Economy Improving

Unemployment Lower

Solid Performance Going Forward

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CreditLosses

Low

ProductDemand

Strong

MortgageApplicant

Quality

Improving

Martin ReidPresident

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Value Enhancing Strategies

Businessexecution

Strongbalance sheet

Prudent riskmanagement

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Solidshareholder

returns

2011 MinimumGoalQ1, 2012

Solid Capital Ratios and Credit Performance

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17.3%Tier 1

20.5%Total Capital

13%

14%

17.5%

21.6%

Net Impaired Loans 0.25% 0.28%

Strengthened Capital Base

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• $150M 5.2% long-termsenior debentures

Proceeds used to support:

• Regulatory capital requirements

• Growth objectives

Raised Capital Advantages

Solid Credit Ratings

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BBB

Home Capital Group

BBB

BBB

BBB+

Home Trust

BBB

BBBH I G H

Meeting New Global Financial Requirements

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Home Capital is well positioned to adopt all benchmarks

Basel III Reforms

2013

T I M I N G

• Capital• Liquidity

P R O P O S A L STo increase:

• Risk management

• Regulation• Supervision

M E A S U R E SMore stringent:

Positioned for the FutureStrengthened Operating Team

• Enhanced :– risk management– internal audit– compliance

• Appointed Robert Blowes as CFO of Home Capital and Home Trust– several other key appointments

• Strengthened senior team:– internal audit– compliance– marketing– human resources

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Positioned for the FutureSAP Banking Platform

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Efficient

Competitive

Responsive

Internet portals for brokers

Increased productivity

Improved information

Real-time tracking

Improved compliance

Enhanced customer service

Key Benefits

Positioned for the FutureImprove Operational Efficiency

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Enhancedprofitability

OrganizationalEffectiveness Group

Positioned for the FutureGrowth Management

Completed expansion of Toronto Head Office:

Accommodate a growing team

Attract and retain the best people

Ongoing training and succession programs

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Theright people

Theright position

Continuing to Enhance Value

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Newtechnologies

Evolvingsolutions

Highest levels of execution

Businessexecution

Strongbalance sheet

Prudent riskmanagement

Solidshareholder

returns

Pino Decina

Senior VP, Mortgage Lending

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Successful Positioning of Mortgage Business

Focus on Traditional Alternative Mortgage Segment

• Do not meet all lending requirements of traditional lenders

• Require additional documentation

• High quality customers

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Leader in Alternative Mortgages

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• Deep knowledge of target customer

• Know and understand the sector

Strong Non-Insured Mortgage Growth

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$2.85B

$3.51B

2010 2011

Non-Insured Mortgage Originations

23.2%

Up 22.2% Q1, 2012

• Strengthened credit performance

• Our core, highly profitable business

Large Addressable Market

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Total Canadian Mortgage Market

$1 trillion Target Market

Lots of room for growth

Home TrustShare

$6B or 3%

$200B

Growing the Insured Mortgage Business

• Reinvigorating Accelerator Program

• Mortgages insured against loss as long as underwriting criteria met

• In the event of a default, Home Capital is made whole by:

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Will offer Accelerator Program while evaluating new opportunities

Strong Performance of Consumer and Commercial Lending

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Equityline Visa Program

7,700new accounts

Solid profitability going forward

CommercialLending

Modestgrowth

Focus on profitabilityand performance

RetailCredit

Continuedgrowth

Generating positive returns

Focused On Growing Our Share

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• Build on leading position

• Meet the needs of underserved niches

• Offer full “One-stop shop”

• Expand geographically

• Maintain industry-leading service

Canada’s leading alternativefinancial institution

Gerald M. Soloway

CEO

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Building On Growth and Progress

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Proven Business Model

Businessexecution

Strongbalance sheet

Prudent riskmanagement

Solidshareholder

returns

Key to our successis our people

On-Track to Meet 2012 Goals

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Objective

Total Earnings 13-18%

Total Loans 13-18%

Return on Equity 20%

Minimum Tier 1 Ratio 13%

Provision for Credit Losses 0.05%-0.15%

Total Capital Ratio 14%

Diluted EPS 13-18%

Efficiency Ratio (TEB) 28-34%

Q1, 2012

21.7%

7.8%

26.2%

17.5%

0.11%

21.6%

22.6%

27.7%

Home Capital – Excellent 25 Year Return

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5,000%

621%

1986 2011

$0

$200

$400

$600

$800

$1,000

$1,200

2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011

Home Capital – Excellent 10 Year Return

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Value of $100 Investment

S&P/TSX Composite Index

$983

$197$154

S&P/TSX Financials Index

Home Capital

Annual MeetingMay 16, 2012

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