Canadian Banking Financial Analysis

Q1 2019 CANADIAN RESIDENTIAL MORTGAGES Credit fundamentals remain strong NEW ORIGINATIONS UNINSURED LTV* DISTRIBUTION GVA 59% Q1/18 Q4/18 Q1/19 Canada Total Originations ($B) 10.3 10.5 9.3 Uninsured LTV 64% 63% 64% GTA 63% BC & Territories GTA Total Originations ($B) Uninsured LTV 3.4 3.2 3.2 63% 62% 63% 61% GVA Atlantic Prairies 67% ON QC Provinces 64% 66% 68% Total Originations ($B) Uninsured LTV 1.5 1.1 1.0 62% 59% 59% *Average LTV ratios for our uninsured residential mortgages originated during the quarter FICO® DISTRIBUTION - CANADIAN UNINSURED PORTFOLIO1 Average FICO Score Canada 787 GTA 789 GVA 791 56% 16% 12% 12% 4% < 635 636-706 707-747 748-788 > 788 FICO is a registered trademark of Fair Isaac Corporation 1 FICO® distribution for Canadian uninsured portfolio based on score ranges at origination <0.70% of uninsured portfolio has a FICO® score of <620 and an LTV >65% Canadian uninsured mortgage portfolio is $124 billion as at Q1/2019 Scotiabank® 38

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