Investor Presentaiton

PROVISION FOR CREDIT LOSSES | IAS 39 IFRS 9 ($MM) Q2/17 Q3/17 Q4/17 Q1/18 PCLs on Q1/18 Q2/18 Q2/18 PCLs on Total Total PCLs on Impaired Loans Impaired Loans Impaired PCLs PCLs Loans Canadian Banking Canadian Retail 220 214 210 206 200 193 193 Canadian Commercial 16 10 8 14 10 11 12 Total Canadian Banking 236 224 218 220 210 204 205 - Total Excluding net acquisition benefit 247 232 224 N/A N/A N/A N/A International Banking International Retail 280 280 265 306 320 308 294 International Commercial 69 45 45 40 241 80 461 Total 349 325 310 3462 3441,2 3882 3401,2 Total - Excluding net acquisition benefit 380 355 365 N/A N/A N/A N/A Global Banking and Markets 2 24 8 (2) (9) 3 (11) Other (1)1 All Bank 587 573 536 564 544 595 534 1 Includes provision for credit losses on debt securities and deposit with banks of -$4 million (Q1/18: -$5 million) in International Banking and $Nil (Q1/18: -$1 million) in Other 2 Not comparable to periods prior to Q1/18, which were net of acquisition benefits Scotiabank® | 27

View entire presentation