Investor Presentaiton

Q2 2018 OVERVIEW • Solid operating performance in Q2 。 Net income of $2.2 billion 。 Diluted EPS of $1.70 per share o ROE of 14.9% 。 YTD operating leverage of 3.3%1 Strong performance across Personal & Commercial banking businesses Capital position remains strong 。 CET1 ratio of 12.0% 1 Excludes the employee benefits re-measurement credit of $150 million after-tax ($203 million pre-tax) and $0.12 per share reported in Q1/18 Scotiabank® | 4

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