Increasing Scale, Improving Focus

Wholesale Funding Wholesale funding diversity by instrument and maturity 1,6,7 30% Senior Notes 3% Bail-inable Notes MATURITY TABLE (EX-SUB DEBT) Asset-Backed Commercial Paper³ 2% (CANADIAN DOLLAR EQUIVALENT, $B) 3% Asset-Backed Securities $25 $25 $3 $6 11% T $4 $19 $1 Covered Bonds $246B $16 $16 $7 $2 $4 $12 -10% $1 $4 Mortgage Securitization4 $18 $18 $14 $11 $12 4% $8 35% Bearer Deposit Notes, Commercial Paper & Short-Term Certificate of Deposits 2% Deposits from Banks2 Subordinated Debt5 < 1 Year 2 Years 3 Years 4 Years 5 Years 5 Years > Senior Debt ABS Covered Bonds 1 Excludes repo transactions and bankers acceptances, which are disclosed in the contractual maturities table in the MD&A of the Interim Consolidated Financial Statements. Amounts are based on remaining term to maturity.. 2 Only includes commercial bank deposits raised by Group Treasury. 3 Excludes asset-backed commercial paper (ABCP) issued by certain ABCP conduits that are not consolidated for financial reporting purposes. 4 Represents residential mortgages funded through Canadian Federal Government agency sponsored programs. Funding accessed through such programs does not impact the funding capacity of the Bank in its own name. 5 Although subordinated debentures are a component of regulatory capital, they are included in this table in accordance with ED TF recommended disclosures. 6 As per Wholesale Funding Sources Table in MD&A, as of Q3/19. 7 May not add to 100% due to rounding.. Scotiabank. 35

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