Investor Presentaiton

INTERNATIONAL BANKING - PACIFIC ALLIANCE Continue to deliver strong results across the Pacific Alliance countries 1, 2, 3 FINANCIAL PERFORMANCE AND METRICS ($MM) Q3/19 Q2/19 Q3/18 Q/Q Y/Y Revenue ($MM) 2,230 2,179 1,783 +5% +26% Expenses ($MM) 1,039 1,010 818 +5% +29% Net Income ($MM) 513 496 495 +7% +2% NIM 4.50% 4.65% 4.92% (16bps) (43bps) Productivity Ratio 46.6% 46.4% 45.9% 24bps 71bps 18% Colombia 28% Chile REVENUE $2.2B GEOGRAPHIC DISTRIBUTION4 7% 27% Colombia Mexico 27% 29% Chile Peru NET INCOME $513MM 10% 26% Colombia Mexico 38% 39% Chile Peru AVG EARNING ASSETS $132B 29% Mexico 22% Peru 1 Attributable to equity holders of the Bank 2 Y/Y and Q/Q growth rates (%) are on a constant dollars basis, while metrics and change in bps are on a reported basis 3 Adjusted for Acquisition-related costs, including Day 1 PCL impact on acquired performing loans, integration and amortization costs related to current acquisitions, and amortization of intangibles related to current and past acquisitions 4 For the 3 months ended July 31, 2019 Scotiabank. | 30

View entire presentation