Investor Presentaiton

SUMMARY OF ADJUSTING ITEMS Adjusting items increased reported diluted EPS by $0.38 in Q3/19 Q3/18 Q2/19 Q3/19 Adjusting Items (Pre-Tax) ($MM) Acquisition-Related Costs Day 1 PCL on acquired performing financial instruments 404 151 - International Banking Integration Costs 26 Canadian Banking Canadian Banking ex. Wealth International Banking 1 Amortization of Intangibles Canadian Banking Canadian Banking ex. Wealth International Banking 2322257 - 28 12 11 5262076+ 19 39 30 14 14 2433756 14 16 Other Net Loss/(Gain) on Divestitures (173) 320 Total (Pre-Tax) 453 31 393 Q3/18 Q2/19 Q3/19 Tax NCI Adjusting Items (After-Tax and NCI) ($MM) Acquisition-Related Costs After-Tax and NCI Day 1 PCL on acquired performing financial instruments - International Banking Integration Costs 176 15 Canadian Banking Canadian Banking ex. Wealth International Banking Amortization of Intangibles² 16 Canadian Banking 9 Canadian Banking ex. Wealth International Banking 5236247 13 $ ཕྱs i⪜R༄+༄ 66 15 12 4 1 11 11 20 10 4 10 8315 23227F 55. 26 11 4 11 Other Net Loss/(Gain) on Divestitures (142) (98) 418 Total (After-Tax and NCI) 207 (41) (78) 5 466 1 Excludes amortization of intangibles related to software (pre-tax) 2 Excludes amortization of intangibles related to software (after-tax) Scotiabank. | 18

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