Scotiabank Financial Review Q2 2019

GILS & NET WRITE-OFF RATIOS Stable GILs and net write-off ratios Gross impaired loans Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 (As a % of Period End Loans & Acceptances)² Canadian Banking 0.30% 0.30% 0.29% 0.31% 0.31% International Banking 3.08% 3.10% 2.70% 2.58% 2.54% Net write-offs Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 (As a % of Average Net Loans & Acceptances) 1, 3 Canadian Banking 0.26% 0.23% 0.23% 0.28% 0.28% International Banking 1.26% 1.14% 1.24% 1.34% 1.26% Global Banking and Markets 0.49% 0.43% 0.30% 0.33% 0.28% Global Banking and Markets 0.08% (0.03)% 0.09% All Bank 0.95% 0.95% 0.89% 0.90% 0.89% 1 Annualized 2 Excludes impact of acquisitions in Q2/19 of $18 million (Q3/18: $233 million) 3 Net write-offs are net of recoveries All Bank 0.45% 0.39% 0.45% 0.50% 0.50% Scotiabank® 40

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