Investor Presentaiton

CANADIAN BANKING - VOLUME GROWTH Strong business and residential mortgage growth, and continue to grow retail deposits AVERAGE LOANS & ACCEPTANCES ($B)1 AVERAGE DEPOSITS ($B)1 +7% Y/Y 329 333 312 44 68 88 +3% Y/Y 236 237 231 49 50 7 7 73 73 69 7 72 71 74 162 163 192 202 204 164 Q2/17 Q1/18 Residential mortgages Personal Loans Credit Cards 1 May not add due to rounding Q2/18 Business Q2/17 Personal Q1/18 Q2/18 Non-personal Scotiabank® | 21

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