Credit Performance Review

Additional Information Scotiabank Listings: Toronto Stock Exchange (TSX: BNS) New York Stock Exchange (NYSE: BNS) Scotiabank Credit Ratings Scotiabank Common Share Issue Information: CUSIP: 064149107 . ISIN: CA0641491075 FIGI: BBG000BXSXH3 NAICS: 522110 Moody's Investors Services Dominion Bond Standard & Fitch Ratings Poor's Rating Service Ltd. Aa2 A+ AA- AA Legacy Senior Debt¹ Senior Debt² Subordinated Debt (NVCC) Short Term Deposits/Commercial Paper P-1 Covered Bond Program Outlook Stable A2 A- AA- AA (low) Baa1 BBB+ A (low) A-1 F1+ R-1 (high) Aaa Not Rated AAA AAA Stable Stable Stable 1 Includes: (a) Senior debt issued prior to September 23, 2018; and (b) Senior debt issued on or after September 23, 2018 which is excluded from the bank recapitalization "bail-in" regime Subject to conversion under the bank recapitalization "bail-in" regime For further information, please contact: www.scotiabank.com/investorrelations Scotiabank® 45

View entire presentation