International Banking Revenue and Loan Growth

CAPITAL POSITION REMAINS STRONG Expect CET 1 ratio to remain above 11% in 2019 +14 bps +33 bps -65 bps 11.4% -10 bps +1 bp 11.1% +10 bps 11.2% Q3/18 Internal Capital Generation RWA Impact (ex. FX) Impact of Acquisitions Share issuance / Other Q4/18 (buybacks) (net) Including FX Impact of Announced Q4/18 Pro- Forma Dispositions • Strong internal capital generation • Reduction mainly due to completed acquisitions in Q4/18 • Decline in market risk RWA and impact of FX • • Repurchased 5 million shares in Q4/18, 8.3 million shares in Fiscal 2018 Expect further 10 bps increase from announced dispositions Scotiabank® 10

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