Investor Presentaiton

CANADIAN RETAIL: LOANS AND PROVISION (Spot Balances as at Q2/18, $B) $209.9 Total Portfolio: $288 billion1; 93% secured² $33.3 $37.5 $7.0 Mortgages Lines of Credit Personal Loans4 Credit Cards % secured PCL3 100% 62% 99% 3% Q2/18 Q1/18 Q2/18 Q1/18 Q2/18 Q1/18 Q2/18 Q1/18 PCLs on Impaired Loans $ millions 4 0 59 % of avg. net loans (bps) 1 0 78 28 89 55 39 62 85 68 66 72 64 93 431 402 PCLS $ millions 9 2 59 68 66 77 59 59 53 % of avg. net loans (bps) 2 0 77 90 69 84 370 326 1 Includes Tangerine balances of $7 billion 2 81% secured by real estate; 12% secured by automotive 3 2018 amounts are based on IFRS 9 4 99% are automotive loans ⑤Scotiabank® | 30

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