International Banking Volume Growth and Sector Highlights

PCL RATIOS Improvement across all three business lines (Total PCL as a % of Average Net Loans & Acceptance) Canadian Banking Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Retail 0.31 0.32 0.34 0.31 0.30 Commercial 0.14 0.21 0.14 0.09 0.07 Total 0.28 0.30 0.31 0.28 0.27 Total - Excluding Net Acquisition Benefit 0.29 0.31 0.32 0.29 0.28 International Banking Retail 2.01 2.10 2.19 2.08 2.00 Commercial 0.33 0.35 0.51 0.31 0.32 Total 1.15 1.21 1.33 1.16 1.14 Total - Excluding Net Acquisition Benefit 1.32 1.32 1.45 1.27 1.34 Global Banking & Markets 0.19 0.04 0.01 0.11 0.04 All Bank 0.45 0.45 0.49 0.45 0.42 Scotiabank® | 16

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