International Banking Revenue and Loan Growth

CANADIAN RETAIL: LOANS AND PROVISION (Spot Balances as at Q4/18, $B) $213.1 Total Portfolio: $293 billion1; 93% secured² $39.1 $33.8 $7.4 Mortgages Personal Loans4 Lines of Credit Credit Cards % secured 100% 99% 62% 3% PCL3 Q4/18 Q3/18 Q4/18 Q3/18 Q4/18 Q3/18 Q4/18 Q3/18 PCLs on Impaired Loans $ millions 6 3 71 99 % of avg. net loans (bps) 1 1 69 69 61 64 55 56 49 56 63 68 70 283 330 PCLS $ millions 0 1 73 % of avg. net loans (bps) 0 0 70 999 67 55 66 68 61 60 51 46 75 292 269 1 Includes Tangerine balances of $6 billion 2 81% secured by real estate; 12% secured by automotive 3 2018 amounts are based on IFRS 9 4 99% are automotive loans Scotiabank® 34

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