International Banking Revenue and Loan Growth

CANADIAN BANKING - VOLUME GROWTH Strong business loan growth, and continue to grow retail deposits AVERAGE LOANS & ACCEPTANCES ($B)1 +5% Y/Y AVERAGE DEPOSITS ($B)¹ +6% Y/Y 337 340 249 325 241 53 53 47 +13% Y/Y 235 7 7 79 7 75 72 73 73 74 +3% 71 Y/Y +7% Y/Y 199 205 206 +3% Y/Y 162 166 170 +5% Y/Y Q4/17 Q3/18 Residential mortgages Personal loans 1 May not add due to rounding Credit cards Q4/18 Business Q4/17 Personal Q3/18 Q4/18 Non-personal Scotiabank® 25 25

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