Canadian Banking Financial Analysis

RETAIL 90+ DAYS PAST DUE LOANS Favourable credit quality across all markets and products Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 CANADA Mortgages 0.20% 0.19% 0.20% 0.20% 0.21% Personal Loans 0.63% 0.57% 0.56% 0.56% 0.58% Credit Cards 1.18% 1.08% 0.89% 0.91% 0.95% Secured and Unsecured Lines of Credit 0.30% 0.30% 0.28% 0.29% 0.30% Total 0.29% 0.27% 0.27% 0.28% 0.29% INTERNATIONAL 1 Includes acquisitions in Chile and Colombia. Q1/18 Q2/18 Q3/181 Q4/181 Q1/191 Mortgages 3.82% 3.70% 3.28% 3.18% 3.24% Personal Loans 3.68% 3.64% 3.45% 3.56% 3.59% Credit Cards 3.02% 2.87% 3.03% 2.96% 3.01% TOTAL 3.66% 3.56% 3.31% 3.25% 3.30% Scotiabank® 40

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