Scotiabank Strategic Priorities and Track Record

Total Loss Absorbing Capital (TLAC) 28.0% - TLAC today if senior debt maturing to Q2/2021 was refinanced to bail-in 21.5% estimated TLAC requirement $49B of senior debt 13.2% maturing to Q2/2021 $ CDE, BN $30 $20 $57B of total capital 14.8% $10 Q2/2017 TLAC Stack Senior Debt Maturity Table (at Q2/17) $49 billion $ < 1 Year 2 Years 3 Years 4 Years 5 Years 5 Years > • $49B of senior debt maturing over the next four years to Q2/2021 Will exceed estimated 21.5% TLAC requirement well before the Q1/2022 deadline based on maintaining current capital levels and refinancing upcoming senior maturities with bail-in 40 Scotiabank®

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