Scotiabank Financial Review Q2 2019

INTERNATIONAL BANKING - VOLUME GROWTH Strong loan and deposit growth AVERAGE LOANS & ACCEPTANCES ($B)1 AVERAGE DEPOSITS ($B)¹ 1, 2 +29% Y/Y3,4 154 149 +33% +16% Y/Y4,5 117 118 10 10 Y/Y4 24 101 24 +25% Y/Y4 41 43 +16% Y/Y4 24 119 8 19 31 36 42 40 0 +34% Y/Y4 75 78 +27% Y/Y4 61 Q2/18 Q1/19 Business Q2/19 Residential mortgages Personal loans Credit cards 1 Y/Y growth rates are on a constant dollar basis 2 Includes deposits from banks 3 Average loans & acceptances growth of 30% Y/Y on a reported basis 4 Includes the impact of acquisitions 5 Average deposits growth of 17% Y/Y on a reported basis 76 75 65 559 +16% Y/Y4 Q2/18 Q1/19 Non- Personal Personal Q2/19 Scotiabank® 29

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