Investor Presentaiton

PROVISION FOR CREDIT LOSSES ($MM) Q3/18 PCLs on Total Impaired Loans Q4/18 Q1/19 Q2/19 Q3/19 PCLs on PCLS Impaired (adj.) Loans PCLs on Total Total Impaired PCLS PCLS Loans PCLs on Total PCLs on Impaired PCLs Impaired Loans (adj.) Loans Total PCLS Canadian Banking Canadian Retail 179 174 181 179 201 202 220 245 242 218 Canadian Commercial (5) 7 7 19 28 311 13 71 14 221 Total Canadian Banking 174 181 188 198 229 233 233 2521 256 240 International Banking International Retail 337 3203 412 384 416 421 421 4193 462 425 International Commercial 60 471,3 541 281 35 491 51 581,3 60 511 Total 3972 3671,2,3 4661,2 4121,2 451 470 472 4771,3 522 476 Global Banking and Markets (12) (10) (17) (20)1 (1) (16) (5) (6) (2) (4) Other 11 - - 11 - (1)1 - 1 All Bank 559 539 637 590 679 688 700 722 776 713 1 Includes provision for credit losses on debt securities and deposit with banks of -$1 million in Canadian Banking (Q1/19: $2 million, Q2/19: -$1 million), $1 million (Q2/18: -$4 million, Q3/18: $Nil, Q4/18: $41 million (impaired) and $40 million (total), Q1/19: $2 million, Q2/19: -$1 million) in International Banking, Snil in Global Banking and Markets (Q4/18: $1 million) and $nil million (Q2/18: $Nil, Q3/18: $1 Million, Q4/18: $1 million, Q1/19: -$1 million, Q2/19: $1 million) in Other 2 Not comparable to periods prior to Q1/18, which were net of acquisition benefits 3 Figures on an adjusted basis; adjusted for Day 1 PCLs from acquisitions Scotiabank. | 36

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