Fiscal 2018 Financial Performance

INTERNATIONAL BANKING - VOLUME GROWTH Solid loan and deposit growth AVERAGE LOANS & ACCEPTANCES ($B)¹ 1, 2 AVERAGE DEPOSITS ($B) 1.2 +29% Y/Y3,4 144 +34% +17% Y/Y4,5 9 Y/Y4 122 115 23 +27% 8 110 Y/Y4 102 7 96 19 41 18 +17% Y/Y4 39 +34% 36 36 Y/Y4 34 32 29 56 Q4/17 Business 63 Q3/18 13 73 +26% Y/Y4 Q4/18 Residential mortgages Personal loans Credit cards 1 Y/Y growth rates are on a constant dollar basis 2 Includes deposits from banks 3 Average loans & acceptances growth of 31% Y/Y on a reported basis 4 Includes the impact of acquisitions 5 Average deposits growth of 20% Y/Y on a reported basis 62 66 62 99 Q4/17 Q3/18 Non- Personal Personal 74 Q4/18 +18% Y/Y4 Scotiabank® | 27

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