International Banking Volume Growth and Sector Highlights

CANADIAN BANKING - VOLUME GROWTH Strong business and residential mortgage growth, and continue to grow retail deposits AVERAGE LOANS & ACCEPTANCES ($B) +6%1 Y/Y AVERAGE DEPOSITS ($B) +3% Y/Y 325 318 306 235 235 228 42 46 47 46 75 77 74 75 73 73 68 78 160 162 162 191 196 183 Q4/16 Q3/17 Tangerine Residential mortgages mortgage run-off Q4/17 Personal & credit cards 1 Adjusting for Tangerine run-off portfolio, loans & acceptances increased 7% year over year Business Q4/16 Personal Q3/17 Q4/17 Non-personal Scotiabank 21

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