Scotiabank Financial Review Q2 2019

INTEGRATION UPDATE - MATERIAL ACQUISITIONS On track to exceed -$0.15 adjusted diluted EPS accretion in 2020 • Customer retention rates continue to be very high and key integration metrics are strong • Realization of synergies are on track and as expected BBVA Chile • Increase in combined market share for loans year-over-year (~+20 bps) · Successfully migrated BBVA credit card portfolio in Q2/19 • Integration execution on track and expected to be completed by Q4/19 Wealth Management Acquisitions (MD Financial, JFL) • Positive AUM/AUA growth in Q2/19 and since acquisition • MD surpassed $50B in assets for the first time in its history • Customer retention rates are higher quarter-over-quarter and above pre-acquisition levels Acquisition-related synergies are on track Scotia Private Banking now co-located in all major MD offices Scotiabank®

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