Investor Day Summary

STRONG CAPITAL GENERATION AND POSITION Capital levels are significantly higher than the minimum regulatory requirements CET1 RATIO 11.2% +50 bps -9 bps +4 bps 12.0 % +28 bps Q1/18 Impact of moving to Basel II floor Internal Capital Generation RWA Growth (ex. FX) Other including FX Q2/18 STRONG CAPITAL LEVELS 14.7% 2.2% 1.2% 15.3% 14.8% 14.9% 14.6% 1.8% 1.8% 2.2% 1.9% 1.5% 1.6% 1.3% 1.5% 12.0% 11.3% 11.3% 11.5% 11.2% Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 CET1 Tier 1 Tier 2 Scotiabank® | 9

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