Investor Presentaiton

GILS & NET WRITE-OFF RATIOS Improving GILs ratio and stable write-off ratio GILS ($B) and GILS RATIO1, 2 95 bps 89 bps 90 bps 89 bps 86 bps 5.3 5.3 5.4 5.2 5.1 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 GILS GILs ratio NET WRITE-OFFS ($MM) AND NET WRITE-OFFS RATIO³, 4 YEAR-OVER-YEAR HIGHLIGHTS GILS1 were down 3% Q/Q and 5% Y/Y primarily due to the impact of foreign currency translation o Improving GIL ratio trend Net write-offs³ were up 4% Q/Q and up 40% Y/Y ○ Higher net write-offs in International Banking and Canadian Banking compared to last year ○ Stable net write-off ratio 50 bps 50 bps 50 bps 45 bps 39 bps 732 716 745 635 534 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Net write-offs ratio Net write-offs 1 Excludes impact of acquisitions (Q3/18: $233 million, Q2/19: $18 million) 2 As a percentage of period end loans and acceptances 3 Net write-offs are net of recoveries 4 As a percentage of average loans and acceptances Scotiabank. 15

View entire presentation