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Scotiabank Financial Review Q2 2019

RETAIL 90+ DAYS PAST DUE LOANS Favourable credit quality across all markets and products Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 CANADA Mortgages 0.19% 0.20% 0.20% 0.21% 0.21% Personal Loans 0.57% 0.56% 0.56% 0.58% 0.56% Credit Cards 1.08% 0.89% 0.91% 0.95% 0.92% Secured and Unsecured Lines of Credit 0.30% 0.28% 0.29% 0.30% 0.30% Total 0.27% 0.27% 0.28% 0.29% 0.28% INTERNATIONAL Q2/18 Q3/181 Q4/181 Q1/191 Q2/191,2 Mortgages 3.70% 3.28% 3.18% 3.24% 3.16% Personal Loans 3.64% 3.45% 3.56% 3.59% 3.52% Credit Cards 2.87% 3.03% 2.96% 3.01% 3.01% TOTAL 3.56% 3.31% 3.25% 3.30% 3.23% 1 Includes acquisitions in Chile, Colombia. 2 Includes acquisitions in Peru and Dominican Republic. Scotiabank® 41

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