Canadian Bail-in Regulations and Economic Fundamentals

Q2/16 41.5% Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING Wholesale Funding Utilization Managing reliance on wholesale funding and growing deposits WHOLESALE FUNDING / TOTAL ASSETS 26.1% 25.1% 23.8% 22.9% REDUCED RELIANCE ON WHOLESALE FUNDING Operating in line with peers o Reduced reliance on wholesale funding ○ Sustained focus on deposits as an alternate to wholesale funding 38.3% 37.5% 36.6% Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 Q4/18 Q1/19 Q2/19 FOCUS ON TERM FUNDING Reduced reliance on money market funding Scotiabank® 35

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