Automotive Finance and ESG Strategies

Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 BUSINESS & GOVERNMENT DEPOSITS 1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Deposit Overview Stable trend in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) $211 $215 $222 $223 $225 $199 $201 $196 $198 $204 $202 $199 $200 3Y CAGR 4.4% - PERSONAL DEPOSITS • Important for both relationship purposes and regulatory value • Good momentum with 4.4% CAGR over the last 3 years Q1/18 Q2/18 Q3/18 Q4/18 $197 $179 $211 $172 $170 $197 $161 $156 $169 $174 $168 $155 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 1 Calculated as Bus& Gov't deposits less Wholesale Funding, adjusted for Sub Debt 3Y CAGR 11.2% Q1/19 Q2/19 Q3/19 $221 Q1/19 Q2/19 Q3/19 · . • BUSINESS & GOVERNMENT Gaining share of deposits through leveraging of relationships 11.2% CAGR over the last 3 years Focusing on operational, regulatory friendly deposits Scotiabank. 38

View entire presentation