Investor Day Summary

INTERNATIONAL BANKING - VOLUME GROWTH Solid loan and deposits growth AVERAGE LOANS & ACCEPTANCES ($B)1 AVERAGE DEPOSITS ($B) 1,2 +11% Y/Y3 +8% Y/Y4 113 96 96 96 110 104 91 26 25 +11% Y/Y 5 34 24 35 34 29 9 28 52 52 Q1/17 Business 56 Q4/17 0 30 57 +9% Y/Y +12% Y/Y 57 57 Q1/18 Q1/17 Residential mortgages Personal & credit cards 1 Y/Y growth rates are on a constant dollar basis 2 Includes deposits from banks 3 Average loans & acceptances growth of 8% Y/Y on a reported basis 4 Average deposits growth of 6% Y/Y on a reported basis 62 62 Q4/17 Non- Personal Personal +5% Y/Y 199 61 +10% Y/Y Q1/18 Scotiabank® 25 25

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