Fiscal 2018 Financial Performance

INTERNATIONAL RETAIL: LOANS AND PROVISION (Spot Balances as at Q4/18, $B¹) Total Portfolio1: $71 billion; 67% secured $23.9 $2.6 $18.4 $1.9 Mortgages ($40.0B) $4.6 $11.7 Personal loans ($20.9B) $0.7 $3.3 Credit cards ($9.1B) $11.9 $7.7 $6.0 $8.4 $7.6 $15.3 $1.6 $2.3 $3.9 $3.1 $2.9 $2.2 PCL2 C&CA Mexico Chile Peru Colombia Q4/18 Q3/18 Q4/18 Q3/18 Q4/18 Q3/18 Q4/18 Q3/18 Q4/18 Q3/18 PCLs on Impaired Loans $ millions 65 68 % of avg. net loans (bps) 147 151 85 60 42 86 63 78 85 110 67 206 154 145 182 400 443 582 452 PCLS 63 63 46 126 216 169 16. 79 573 84 81 101 633 134 1653 432 421 532 4253 $ millions 45 % of avg. net loans (bps) 101 55 56 620 1 Total Portfolio includes other smaller portfolios 2 2018 amounts are based on IFRS 9 3 Adjusted for acquisition-related costs, including Day 1 PCL impact on acquired performing loans Scotiabank® | 37

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