International Banking Revenue and Loan Growth

INTERNATIONAL BANKING - VOLUME GROWTH Solid loan and deposit growth AVERAGE LOANS & ACCEPTANCES ($B)1 AVERAGE DEPOSITS ($B)¹ 1, 2 +29% Y/Y3,4 144 +34% +17% Y/Y4,5 9 Y/Y4 115 122 23 23 +27% 8 110 Y/Y4 102 7 96 19 41 +17% Y/Y4 18 39 +34% Y/Y4 36 34 32 32 - 9 29 73 +26% Y/Y4 63 56 Q4/17 Business Q3/18 Q4/18 Residential mortgages Personal loans Credit cards 1 Y/Y growth rates are on a constant dollar basis 2 Includes deposits from banks 3 Average loans & acceptances growth of 31% Y/Y on a reported basis 4 Includes the impact of acquisitions 5 Average deposits growth of 20% Y/Y on a reported basis 62 62 99 66 Q4/17 Q3/18 Non- Personal Personal 74 +18% Y/Y4 Q4/18 Scotiabank® 27

View entire presentation