Fiscal 2018 Financial Performance

RETAIL 90+ DAYS PAST DUE LOANS Favourable credit quality across all markets and products Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Mortgages 0.21% 0.20% 0.19% 0.20% 0.20% Personal Loans 0.60% 0.63% 0.57% 0.56% 0.56% Credit Cards 1.13% 1.18% 1.08% 0.89% 0.91% Secured and Unsecured Lines of Credit 0.28% 0.30% 0.30% 0.28% 0.29% CANADA 0.29% 0.29% 0.27% 0.27% 0.28% Q4/17 Q1/18 Q2/18 Q3/181 Q4/181 Mortgages 3.83% 3.82% 3.70% 3.28% 3.18% Personal Loans 3.52% 3.68% 3.64% 3.45% 3.56% Credit Cards 3.09% 3.02% 2.87% 3.03% 2.96% TOTAL INTERNATIONAL 3.62% 3.66% 3.56% 3.31% 3.25% 1 Includes acquisitions in Chile and Colombia. Excluding these acquisitions, Total International ratio would have been 3.72% in Q3/18 and 3.67% in Q4/18. Scotiabank® 38

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