Why Invest in Scotiabank?

Well-Diversified and Profitable Business Diversified by business and by geography, creating stability and lowering risk Earnings by Business 1,2,3 Earnings by Geography1,2,3 * Caribbean and Central America Canadian Wealth Management 10% Global Banking and Markets Canadian Banking P&C 15% EARNINGS MIX 39% $2.2B International Banking 36% Adjusted Return on Equity¹ by Division Canadian Banking 49% Colombia 2% C&CA* 9% Other 7% Chile 6% Peru 10% EARNINGS MIX $2.2B Mexico 8% U.S. 8% 18.4% 14.9% 13.7% 11.5% Canadian Banking International Banking Global Banking and Markets All Bank Canada 50% 1 For the three months ended January 31, 2019; 2 Adjusted for Acquisition-related costs, including integration and amortization costs related to current acquisitions, and amortization of intangibles related to current and past acquisitions 3 Excluding Corporate adjustments GREATER SCALE, GREATER FOCUS 6 Scotiabank®

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