Investor Presentaiton

INTERNATIONAL RETAIL: LOANS AND PROVISIONS TOTAL RETAIL² MEXICO PERU 216 233 231 545 208 517 443 169 432 218 248 206 203 402 238 199 236 236 491 235 421 154 400 364 372 236 233 228 225 221 1 1 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 CARIBBEAN & CENTRAL AMERICA CHILE COLOMBIA 182 170 159 582 151 147 157 141 145 155 155 554 549 531 156 165 452 148 150 532 138 138 134 485 126 120 425 455 377 101 1 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 PCLs on Impaired Loans as a % of avg. net loans (bps) 1 1 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 PCL as a % of avg. net loans (bps) Loan Balances Q3/19 Spot ($B) Mexico Peru Chile Colombia C&CA Total $13 $10 $26 $7 $19 $76 ¹Adjusted for acquisition-related costs, including Day 1 PCL impact on acquired performing loans 2Total includes other smaller portfolios Scotiabank. 32 32

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