International Banking Volume Growth and Sector Highlights

INTERNATIONAL BANKING - REGIONAL LOAN GROWTH Strong loan and deposit growth partially offset by negative FX translation AVERAGE LOANS & ACCEPTANCES ($B) +7%1 Y/Y CONSTANT FX LOAN VOLUMES, Y/Y 104 32 32 113 110 Retail Commercial² Total 32 30 Latin America 13% 16% 15% C&CA -1% -1% Total 8% 12% 10% 81 72 Q4/16 Latin America Q3/17 80 88 Q4/17 Caribbean & Central America 1 Average loans & acceptances growth of 10% on a constant currency basis 2 Excludes bankers acceptances 6 Scotiabank® | 24

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