International Banking - Annual Overview

STRONG CAPITAL GENERATION AND POSITION Capital levels are significantly higher than the minimum regulatory requirements CET1 RATIO +30 bps -16 bps 11.5% +2 bps +4 bps 11.3% Q3/17 Internal Capital Generation Business Growth RWA (ex. FX) Foreign Exchange Translation Other Q4/17 STRONG CAPITAL LEVELS 13.4% 1.9% 1.2% 14.6% 14.7% 14.9% 13.4% 1.8% 2.2% 2.2% 2.2% 1.4% 1.2% 1.6% 1.1% 11.0% 11.3% 11.5% 10.3% 10.1% Q4/15 Q2/16 Q4/16 Q2/17 Q4/17 CET1 AT1 Tier 2 Scotiabank® | 9

View entire presentation