Earnings & Dividend Growth Presentation

STRONG CAPITAL POSITION Capital levels are significantly higher than the minimum regulatory requirements CET1 RATIO 12.0% +47 bps -108 bps +26 bps 11.4% -29 bps +3 bps Q2/18 Net Issuance of Capital Impact of Acquisitions Internal Capital Generation RWA Growth (ex. FX) Other Including FX Q3/18 STRONG CAPITAL LEVELS 14.8% 14.9% 14.6% 15.3% 14.5% 2.2% 1.8% 1.8% 1.9% 1.7% 1.3% 1.6% 1.5% 1.5% 1.4% 11.3% 11.5% 12.0% 11.2% 11.4% Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 CET1 Tier 1 Tier 2 Scotiabank® 9

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