International Banking - Annual Overview

PORTFOLIO DETAILS: SCOTIABANK GLOBAL REGISTERED COVERED BOND PROGRAM1 LOAN-TO-VALUE RATIOS2 CREDIT SCORES 44% 57% 27% 23% 5% 6% 20% 1% 1% 2% 13% 0-20% 20-40% 40-60% 60-80% 80+% <599 600-650 651-700 701-750 751-800 800< REMAINING TERM DISTRIBUTION (MONTHS) 25% 12% 13% 23% 16% 12% <12 12-23.99 24-35.99 36-41.99 42-47.99 48< 13.7% PROVINCIAL DISTRIBUTION Alberta 0.2% Yukon 2.8% Saskatchewan 8.0% Quebec 0.3% P.E.I. 1 As at October 31,2017 2 Uses indexation methodology as outlined in Footnote 1 of the Scotiabank Global Registered Covered Bond Monthly Investor Report 50.5% Ontario 17.5% British Columbia 1.3% Manitoba 1.3% New Brunswick 1.9% Newfoundland 2.5% Nova Scotia Scotiabank® | 64

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