Scotiabank Investment Presentation

Wholesale Funding Composition Wholesale funding diversity by instrument and maturity1,6,7 34% Senior Notes 1% Bail-inable Notes Asset-Backed Commercial Paper³ 3% 34% Bearer Deposit Notes, Commercial Paper & Short-Term Certificate of Deposits MATURITY TABLE (EX-SUB DEBT) (CANADIAN DOLLAR EQUIVALENT, $B) 2% Asset-Backed Securities $26 $24 $23 $4 12% $4 $19 $3 $11 $17 $3 $2 Covered Bonds $247B 9% $1 $11 $21 Mortgage Securitization4 4% $17 $6 $15 $15 $12 $5 1% Subordinated Debt5 Deposits from Banks2 < 1 Year 2 Years 3 Years 4 Years 5 Years 5 Years > Senior Debt ABS Covered Bonds 1 Excludes repo transactions and bankers acceptances, which are disclosed in the contractual maturities table in the MD&A of the Interim Consolidated Financial Statements. Amounts are based on remaining term to maturity. 2 Only includes commercial bank deposits raised by Group Treasury. 3 Excludes asset-backed commercial paper (ABCP) issued by certain ABCP conduits that are not consolidated for financial reporting purposes. 4 Represents residential mortgages funded through Canadian Federal Government agency sponsored programs. Funding accessed through such programs does not impact the funding capacity of the Bank in its own name. 5 Although subordinated debentures are a component of regulatory capital, they are included in this table in accordance with EDTF recommended disclosures. 6 As per Wholesale Funding Sources Table in MD&A, as of Q1/19. 7 May not add to 100% due to rounding. Scotiabank® 29 29

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