Financial Performance and Funding Strategy
Progress in Digital Banking
Progressing well against 2018 Investor Day digital targets
Digital Retail Sales¹
+1,400 bps
Digital Adoption2
+900 bps
In-Branch Financial Transactions³
-900 bps
25
35
26
33
22
23
29
20
26
17
15
11
F2016
F2017 F2018 Q2/19
F2016 F2017 F2018 Q2/19
F2016
F2017 F2018
Q2/19
Goal
>50%
Goal
>70%
Strong progress made
in across key markets,
especially in Colombia
and Chile
Adoption grew 400
bps since Q2/18
1 Canada: F2017 22%, F2018 26%, Q2/19 25% PACS: F2017 13%, F2018 19%, Q2/19 25%
2 Canada: F2017 36%, F2018 38%, Q2/19 40% PACS: F2017 20%, F2018 26%, Q2/19 28%
3 Canada: F2017 17%, F2018 15%, Q2/19 13% PACS: F2017 29%, F2018 24%, Q2/19 21%
Goal
<10%
• In-branch
transactions
continued to decline
at a steady pace
Scotiabank®
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