Scotiabank Investor Day Summary

DEPOSIT OVERVIEW Stable trend in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) $199 $201 $195 $196 $198 $202 $204 $199 $200 $186 $193 $190 $211 PERSONAL DEPOSITS Important for both relationship purposes and regulatory value 4.2% CAGR over the last 3 years Q3/15 1 Calculated as Bus& Gov't deposits less Wholesale Funding, adjusted for Sub Debt Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 • 3Y CAGR 12.6% $179 . $172 $170 $161 $156 $156 $174 $169 $168 $155 $126 $149 $139 Q3/15 Q4/15 Q1/16 BUSINESS & GOVERNMENT DEPOSITS1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 3Y CAGR 4.2% - Q3/18 BUSINESS & GOVERNMENT Leveraging relationships to increase share of deposits • 12.6% CAGR over the last 3 years Focusing on operational, regulatory friendly deposits Scotiabank | 32

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