Investor Day Summary

INTERNATIONAL RETAIL: LOANS AND PROVISIONS Total Portfolio1: $56 billion; 67% secured (Spot Balances as at Q1/18, $ B1) $17.4 $1.8 $13.3 $4.3 $2.0 $10.7 -$0.5 Mortgages ($31.0B) $3.6 $3.1 $7.6 Personal loans ($16.5B) $1.4 $5.9 Credit cards ($7.4B) $11.3 $1.7 $3.5 $7.7 $7.1 $2.0 $2.7 $2.2 PCL2 PCLs on Impaired Loans C&CA Mexico Chile Peru Colombia Q1/18 Q4/173 Q1/18 Q4/17 Q1/18 IFRS 9 IAS 39 IFRS 9 IAS 39 Q4/173 IFRS 9 IAS 39 Q1/18 Q4/17 Q1/18 Q4/17 IFRS 9 IAS 39 IFRS 9 IAS 39 $ millions 61 30 % of avg. net loans (bps) 140 280 44 43 50 70 171 168 160 29 29 67 74 72 76 96 374 405 533 571 PCLs $ millions 65 30 49 43 5.55 51 29 73 74 71 % of avg. net loans (bps) 150 70 191 168 162 96 405 405 527 167 76 571 1 Total Portfolio includes other smaller portfolios 2 2018 amounts are based on IFRS 9. Prior period amounts were based on IAS 39 3 Includes the benefits from Cencosud and Citibank net acquisition benefits. Excluding the net acquisition benefits, C&CA's ratio would be 148 bps for Q4/17 and Chile's ratio would be 136 bps for Q4/17. Scotiabank® 34

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