International Banking Revenue and Loan Growth

NET WRITE-OFFS Stable net write-off ratio 1 Annualized (As a % of Average Net Loans & Acceptances) 1, 2 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Canadian Banking 0.29% 0.25% 0.26% 0.23% 0.23% International Banking 1.16% 1.38% 1.26% 1.14% 1.24% Global Banking and Markets 0.04% 0.05% 0.08% 2 Net write-offs are net of recoveries (0.03)% All Bank 0.44% 0.46% 0.45% 0.39% 0.45% Scotiabank® 18

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