Investor Presentaiton

International Banking - Regional Growth Revenues (TEB) ($ millions) +9% Y/Y Average Loans & Acceptances ($ billions) +11% Y/Y 32 32 32 2,618 2,645 2,424 110 115 94 70 77 81 774 766 744 Q3/16 Q2/17 Q3/17 Latin America ■Caribbean & Central America Constant FX 1,586 1,734 1,764 Retail Commercial1 Total Loan Volumes Y/Y Latin America 15% 11% 12% Q3/16 Q2/17 Asia Q3/17 C&CA 0% -2% -1% ■Caribbean & Central America Latin America Total 9% 7% 8% (1) Excludes bankers acceptances 21 21 Commercial loans increased 6% Q/Q Scotiabank®

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