Canadian Economic and Housing Policy Overview slide image

Canadian Economic and Housing Policy Overview

Other Regions Strong contribution from leading Caribbean & Central American franchise. Reducing portfolio investments in Asia. • Caribbean & Central America 。 Operations in 16 countries contributing - CAD$0.7B in earnings in 2018 。 Well-established, diversified franchise that serves retail, commercial and corporate customers 。 Actively managing footprint to ensure scale in larger growth markets and reduce risk profile: ○ ○ Announced acquisition in Dominican Republic in August 2018 which doubles customer base and creates 4th largest bank Announced sale of operations in 9 smaller countries in Caribbean in November 2018 O Announced sale of pension and insurance operations in the Dominican Republic in December 2018 Announced sale of banking and insurance operations in El Salvador in February 2019 o Recognized by Global Finance Magazine as: • Asia "Best Bank Award 2017" in the Bahamas, Barbados, Costa Rica, Turks & Caicos and U.S. Virgin Islands; "World's Best Consumer Digital Bank 2017" in 24 countries across Latin America and the Caribbean; and "Best in Mobile Banking" in the Caribbean region 。 Thailand: 49% interest in Thanachart Bank (2007) Announced non-binding MOU in February 2019 to merge with Thai Military Bank and materially sell down interest CAD$3.0B carrying value as of October 31, 2018 CAD$590MM of net income for twelve months ended October 31, 2018 China: 19.9% interest in Bank of Xi'an (2009) CAD$772MM carrying value as of October 31, 2018 CAD$456MM of net income for twelve months ended October 31, 2018 Scotiabank® 46 46
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