Investor Presentaiton

RETAIL 90+ DAYS PAST DUE LOANS Favourable credit quality across all markets and products Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Mortgages 0.23% 0.22% 0.21% 0.20% 0.19% Personal Loans 0.70% 0.61% 0.60% 0.63% 0.57% Credit Cards 1.30% 1.05% 1.13% 1.18% 1.08% Secured and Unsecured Lines of Credit 0.37% 0.30% 0.28% 0.30% 0.30% CANADA 0.33% 0.30% 0.29% 0.29% 0.27% Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Mortgages 3.78% 3.69% 3.83% 3.82% 3.70% Personal Loans 3.68% 3.65% 3.52% 3.68% 3.64% Credit Cards 3.05% 3.24% 3.09% 3.02% 2.87% TOTAL INTERNATIONAL 3.64% 3.61% 3.62% 3.66% 3.56% Scotiabank® 33 33

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