Global Banking and Markets Overview

Progress in Digital Banking Progressing well against 2018 Investor Day digital targets Digital Retail Sales1 +1,400bps 25 22 26 26 15 11 Digital Adoption² +900bps In-Branch Financial Transactions³ -900bps 35 26 33 23 29 20 17 F2016 F2017 F2018 Q2/19 F2016 F2017 F2018 Q2/19 F2016 F2017 F2018 Q2/19 Goal >50% Goal >70% Goal <10% Strong progress made in across key markets, especially in Colombia and Chile Adoption grew 400bps against Q2 of last year • In-branch transactions continued to decline at a steady pace 1 Canada: F2017 22%, F2018 26%, Q2/19 25% PACS: F2017 13%, F2018 19%, Q2/19 25% 2 Canada: F2017 36%, F2018 38%, Q2/19 40% PACS: F2017 20%, F2018 26%, Q2/19 28% 3 Canada: F2017 17%, F2018 15%, Q2/19 13% PACS: F2017 29%, F2018 24%, Q2/19 21% Scotiabank® 12 12

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