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Investor Presentaiton

TABLE OF CONTENTS Scotiabank Overview • • • • • . • • . • • Leading Bank in the Americas Economic Outlook in Core Markets Well-Diversified Business with Strong Returns Why Invest in Scotiabank? Banking ROE by Market Medium-Term Financial Objectives Q4 2019 Financial Performance Fiscal 2019 Financial Performance Repositioning is Substantially Complete Acquisition & Divestiture Activity Earnings and Dividend Growth Strong Capital Generation Growth in Digital Banking Environmental, Social & Governance (ESG) Business Line Overview: Canadian Banking Business Line Overview: International Banking Business Line Overview: Global Banking and Markets Business Line Overview: Global Wealth Management Risk Overview • • • • Risk Snapshot Credit Performance by Business Lines Historical PCL Ratios on Impaired Loans Canadian Retail: Loans and Provisions International Retail: Loans and Provisions Energy Exposure Treasury and Funding • • Funding Strategy Wholesale Funding Deposit Overview Wholesale Funding Utilization Liquidity Metrics Appendix 1: Key Market Profiles Appendix 2: Canadian Housing Market Appendix 3: Bail-in and TLAC Appendix 4: Covered Bonds Appendix 5: Additional Information Contact Information 4567890 10 11 12 13 14 15 16 17 18 20 31 43 47 51 52 53 54 55 56 57 58 59 60 61 62 63 64 73 76 80 84 3 87
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