Investor Presentaiton

INTERNATIONAL RETAIL: LOANS AND PROVISION Total Portfolio1: $59 billion; 67% secured (Spot Balances as at Q2/18, $B1) $18.1 $1.8 $14.1 $4.5 $2.1 $11.4 -$0.6 $3.8 Mortgages ($32.8B) $3.2 $8.1 Personal loans ($17.5B) $1.5 $6.4 Credit cards ($7.8B) $11.8 $1.8 $3.8 $8.2 $7.6 $2.2 $2.8 $2.4 PCL2 PCLs on Impaired Loans C&CA Mexico Chile Peru Colombia Q2/18 Q1/18 Q2/18 Q1/18 Q2/18 Q1/18 Q2/18 Q1/18 Q2/18 Q1/18 $ millions 43 61 50 44 48 50 84 ळ 67 70 72 % of avg. net loans (bps) 101 140 188 171 145 160 470 374 491 533 PCLS $ millions 27 65 % of avg. net loans (bps) 64 150 1555 49 49 49 57 40 51 82 88 73 68 71 184 191 170 162 462 405 478 527 1 Total Portfolio includes other smaller portfolios 2 2018 amounts are based on IFRS 9 Scotiabank | 31

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