Fiscal 2018 Financial Performance

PROVISION FOR CREDIT LOSSES IAS 39 ! IFRS 9 (SMM) Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 PCLs on PCLs on PCLs on PCLs on Total PCLs on Total Total Total Impaired Impaired Impaired Impaired PCLs Impaired PCLs PCLS PCLS Loans Loans Loans Loans (adj.) Loans Canadian Banking Canadian Retail 210 206 200 193 193 179 174 181 179 Canadian Commercial 8 14 10 11 12 (5) 7 7 19 Total Canadian Banking 218 220 210 204 205 174 181 188 198 - Total Excluding Credit Mark Benefits 224 N/A N/A N/A N/A N/A N/A International Banking International Retail 265 306 320 308 294 337 3204 412 384 International Commercial 45 40 241 80 461 60 471,4 13 (12) Total 310 3462 3441,2 3882 3401,2 3972 3671,2,4 425 372 Total Excluding Credit Mark Benefits 365 N/A N/A N/A N/A N/A N/A N/A N/A Global Banking and Markets 8 (2) (9) 3 (11) (12) (10) (17) (21) Other - (1)1 - 11 411 411 All Bank 536 564 544 595 534 559 539 637 590 1 Includes provision for credit losses on debt securities and deposit with banks of $41 million (Q1/18: -$5 million, Q2/18: -$4 million, Q3/18: $Nil) in International Banking and $1 million (Q1/18: -$1 million, Q2/18: $Nil, Q3/18: $1 million) in Other 2 Not comparable to periods prior to Q1/18, which were net of acquisition benefits 3 Figures on an reported basis; includes impact of Day 1 PCLS from acquisitions 4 Figures on an adjusted basis; adjusted for Day 1 PCLs from acquisitions Scotiabank® | 32

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