Medium-Term Financial Objectives

International Retail: Loans and Provisions Credit fundamentals remain strong TOTAL RETAIL² MEXICO PERU 216 233 231 208 545 517 443 169 218 432 248 206 203 402 238 199 236 236 235 491 421 154 400 364 372 233 236 225 228 221 1 1 1 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 CARIBBEAN & CENTRAL AMERICA CHILE COLOMBIA 182 170 159 582 151 147 157 141 145 155 155 554 549 531 165 452 156 148 150 532 138 138 134 485 126 120 425 455 377 101 1 1 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 PCL as a % of avg. net loans (bps) Loan Balances Q3/19 Spot ($B) Mexico $13 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 PCLs on Impaired Loans as a % of avg. net loans (bps) Peru Chile Colombia C&CA Total $10 $26 $7 $19 $76 1Adjusted for acquisition-related costs, including Day 1 PCL impact on acquired performing loans 2Total includes other smaller portfolios Scotiabank® 32

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