Investor Presentaiton

PCL Ratios (Total PCL as a % of Average Net Loans Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 & Acceptances) Canadian Banking Retail 0.30 0.31 0.32 0.34 0.31 Commercial 0.20 0.14 0.21 0.14 0.09 Total 0.29 0.28 0.30 0.31 0.28 Total-Excluding net acquisition benefit 0.31 0.29 0.31 0.32 0.29 International Banking Retail 2.13 2.01 2.10 2.19 2.08 Commercial 0.47 0.33 _ 0.35 0.51 0.31 Total 1.26 1.15 1.21 1.33 1.16 Total - Excluding net acquisition benefit 1.39 1.32 1.32 1.45 1.27 Global Banking and Markets 0.19 0.19 0.04 0.01 0.11 All Bank 0.47 0.45 0.45 0.49 0.45 14 Scotiabank®

View entire presentation