International Banking Volume Growth and Sector Highlights

INTERNATIONAL BANKING - VOLUME GROWTH Balanced loan and deposit growth AVERAGE LOANS & ACCEPTANCES ($B) AVERAGE DEPOSITS¹ ($B) +7%2 Y/Y +7%3 Y/Y 98 113 110 96 90 104 24 25 25 25 30 29 27 9 7 36 34 34 62 56 62 58 56 53 Q4/16 Q3/17 Q4/17 Q4/16 Business Residential mortgages Personal & credit cards 1 Includes deposits from banks 2 Average loans & acceptances growth of 10% Y/Y on a constant currency basis 3 Average deposits growth of 11% Y/Y on a constant currency basis Q3/17 Non- Personal Personal 62 62 Q4/17 ⑤Scotiabank® | 23

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