Canadian Banking Financial Analysis

INTERNATIONAL BANKING - PACIFIC ALLIANCE Continue to deliver strong results across the Pacific Alliance countries 1, 2, 3 FINANCIAL PERFORMANCE AND METRICS ($MM) Q1/19 Q4/18 Q1/18 Q/Q Y/Y Revenue ($MM) 2,192 2,046 1,668 +8% +31% Expenses ($MM) 1,006 1,003 792 +1% +28% Net Income ($MM) 567 462 454 +23% +23% NIM 4.61% 4.62% 4.84% (1bps) (23bps) Productivity Ratio 45.9% 49.0% 47.5% (310bps) (160bps) 20% Colombia 28% Chile REVENUE $2.2B GEOGRAPHIC DISTRIBUTION4 7% 26% Colombia Mexico 26% 24% Chile Peru NET INCOME $567MM 11% 32% Colombia Mexico 40% 37% Chile Peru AVG EARNING ASSETS $124B 28% Mexico 21% Peru 1 Attributable to equity holders of the Bank 2 Y/Y and Q/Q growth rates (%) are on a constant dollars basis, while metrics and change in bps are on a reported basis 3 Adjusted for Acquisition-related costs, including integration and amortization costs related to current acquisitions, and amortization of intangibles related to current and past acquisitions 4 For the 3 months ended January 31, 2019 Scotiabank® 28

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