Investor Presentaiton

RETAIL 90+ DAYS PAST DUE LOANS Favourable credit quality across all markets and products Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Mortgages 0.22% 0.21% 0.20% 0.19% 0.20% Personal Loans 0.61% 0.60% 0.63% 0.57% 0.56% Credit Cards 1.05% 1.13% 1.18% 1.08% 0.89% Secured and Unsecured Lines of Credit 0.30% 0.28% 0.30% 0.30% 0.28% CANADA 0.30% 0.29% 0.29% 0.27% 0.27% Q3/17 Q4/17 Q1/18 Q2/18 Q3/181 Mortgages 3.69% 3.83% 3.82% 3.70% 3.28% Personal Loans 3.65% 3.52% 3.68% 3.64% 3.45% Credit Cards 3.24% 3.09% 3.02% 2.87% 3.03% TOTAL INTERNATIONAL 3.61% 3.62% 3.66% 3.56% 3.31% 1 Includes acquisitions in Chile and Colombia. Excluding these acquisitions, Total International ratio would be 3.72%. Scotiabank® 35

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