Scotiabank Financial Review Q2 2019

INTERNATIONAL RETAIL: LOANS AND PROVISION Total Portfolio1: $77 billion; 67% secured (Spot Balances as at Q2/19, $B¹) $19.1 $2.0 $4.9 Mortgages ($43.1B) $13.3 $0.8 Personal loans ($22.8B) $3.8 Credit cards ($10.1B) $12.2 $8.7 $26.4 $3.0 $6.3 $9.6 $17.1 $2.1 $7.6 $2.2 $4.7 $3.1 $2.8 $2.3 PCL C&CA Mexico Chile Peru Colombia Q2/19 Q1/19 Q2/19 Q1/19 Q2/19 Q1/19 Q2/19 Q1/19 Q2/19 Q1/19 PCLs on Impaired Loans $ millions 70 63 64 59 94 75 78 106 99 101 % of avg. net loans (bps) 156 138 218 199 148 120 372 517 549 554 PCLS $ millions 702 78 88 68 69 69 101 96 96 842 74 82 89 % of avg. net loans (bps) 1572 170 231 233 159 155 4022 364 455 485 1Total Portfolio includes other smaller portfolios 2Adjusted for acquisition-related costs, including Day 1 PCL impact on acquired performing loans Scotiabank® 33

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