Increasing Scale, Improving Focus

Canadian Retail: Loans and Provisions Credit fundamentals remain strong TOTAL RETAIL MORTGAGES 10 10 12 2 1 1 1 35 33 28 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 25 25 31 30 28 24 25 LINES OF CREDIT² PERSONAL LOANS1 95 85 80 70 66 88 78 69 69 63 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 CREDIT CARDS 96 458 86 81 349 75 68 330 402 292 415 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 75 70 68 70 73 339 269 283 241 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 PCL as a % of avg. net loans (bps) PCLs on Impaired Loans as a % of avg. net loans (bps) Loan Balances Q3/19 Mortgages Personal Loans1 Lines of Credit² Credit Cards Total Spot ($B) $222 $40 $34 $8 $3043 % Secured 100% 99% 62% 3% 93%4 1 96% are automotive loans 2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit 3 Includes Tangerine balances of $6 billion 4 80% secured by real estate; 13% secured by automotive Scotiabank. 33

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