Scotiabank Financial Review Q2 2019

CANADIAN RETAIL: LOANS AND PROVISION (Spot Balances as at Q2/19, $B) % secured PCL PCLs on Impaired Loans $ millions % of avg. net loans (bps) PCLS $217.1 Total Portfolio: $298 billion1; 93% secured² $38.9 $34.0 $7.5 Mortgages 100% Personal Loans³ Lines of Credit Credit Cards 99% 62% 3% Q2/19 Q1/19 Q2/19 Q1/19 Q2/19 Q1/19 Q2/19 Q1/19 6 6 85 71 55 61 71 63 2 1 88 69 70 75 415 349 $ millions 12 94 82 % of avg. net loans (bps) 1 2 50 95 80 28 67 86 88 65 78 43 81 458 241 1 Includes Tangerine balances of $6 billion 2 80% secured by real estate; 13% secured by automotive 3 96% are automotive loans Scotiabank® 25 25

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