PCL Ratios and Provision for Credit Losses Review

INTERNATIONAL BANKING - REVENUE GROWTH Latin America, driven by the Pacific Alliance, continues to deliver strong revenue growth BY TYPE (TEB) ($MM) BY REGION (TEB) ($MM)1 +9% Y/Y2 2,853 2,742 2,645 +9% Y/Y2 2,853 2,742 2,645 134 +12% 140 Y/Y 115 779 1,026 729 984 +12% 766 910 +3% Y/Y Y/Y 1,735 1,758 1,827 +8% Y/Y 1,873 1,940 1,764 +12% Y/Y Q3/17 Net interest income Q2/18 Q3/18 Q3/17 Q2/18 Non-interest revenue Latin America Caribbean & Central America 1 Y/Y growth rates are on a constant dollar basis 2 Revenue growth of 8% Y/Y on a reported basis Q3/18 Asia Scotiabank® | 24

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