2018 Financial Performance

Progress in Digital Banking Progressing well against 2018 Investor Day digital targets Digital Retail Sales +11% Digital Adoption +7% In-Branch Financial Transactions -6% 33 26 29 26 23 20 22 15 11 F2016 F2017 F2018 F2016 F2017 F2018 F2016 F2017 F2018 Goal >50% Goal >70% Goal <10% • Solid progress made in all five key markets across various product suites including deposits, personal loans, insurance, etc. Digitally-active users up over 30% in Mexico, Colombia and Peru. High single. digit growth in Canada and Chile • Mobile transactions up over 30% in Canadian Banking, while in-branch transactions declined 6% Scotiabank® 12 12

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