Fiscal 2018 Financial Performance

CANADIAN BANKING - REVENUE GROWTH AND NIM Good retail and commercial lending revenue growth REVENUE (TEB) ($MM) +5% Y/Y NIM (%) 2.41% 2.41% 2.43% 2.46% 2.45% 3,443 3,373 3,265 5% 854 821 815 Y/Y 1.66% 1.63% 1.64% 1.65% 1.64% 606 614 +6% 581 Y/Y +6% 1,869 1,946 1,975 Y/Y Q4/17 1.05% 1.08% 1.10% 1.07% 0.99% Q3/18 Q4/18 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Retail Commercial Wealth Total Canadian Banking Margin Total Earning Asset Margin Total Deposits Margin 6 Scotiabank® | 24

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