International Banking - Annual Overview

CANADA'S INTERNATIONAL BANK High quality and well-balanced business operating within a clearly defined global footprint HISTORY Established on East Coast of Canada in 1832 In U.S. and Caribbean 125+ years Representative offices in Asia and Latin America since 1960's Began expanding Caribbean presence into Central and South America in 1990's. Focused on the Pacific Alliance countries of Mexico, Peru, Colombia and Chile Q4 2017 (C$) SCOTIABANK CREDIT RATINGS1 SCOTIABANK Moody's S&P Fitch DBRS Net Income $2.1B Senior Rating A1 A+ AA- AA ROE 14.5% Outlook Negative Stable Stable Negative Productivity Ratio 53.8% Covered Bonds Aaa Not Rated AAA AAA CET1 Risk Weighted Assets $376B CET 1 Capital Ratio² 11.5% Total Assets $915B STRONG PRESENCE IN ATTRACTIVE MARKETS Market Capitalization $100B # of Employees 88,645 1 A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revisions or withdrawals at any time. 2 Basel III "all-in" basis Scotiabank® | 5

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