Global Wealth Management and Banking Overview

Liquidity Metrics Well funded Bank with strong liquidity • Liquidity Coverage Ratio (LCR) 。 Stable and sound management of liquidity 。 Net Stable Funding Ratio (NSFR) implementation date is January 2020 132% 127% Q4/16 128% 127% 126% 125% 125% 125% 124% Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 • High Quality Liquid Assets (HQLA) 。 Efficiently managing LCR and optimizing HQLA $144 $140 $136 $138 $132 $128 $125 $127 $123 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Scotiabank® 35 55

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