Canadian Bail-in Regulations and Economic Fundamentals

Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Deposit Overview Stable trend in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) $225 $215 $222 $202 $204 $199 $200 $211 $193 $199 $201 $196 $198 3Y CAGR 5.3% • PERSONAL DEPOSITS Important for both relationship purposes and regulatory value Good momentum with 5.3% CAGR over the last 3 years Q3/17 Q4/17 Q1/18 Q2/18 BUSINESS & GOVERNMENT DEPOSITS 1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) $169 $149 $155 $172 $161 $156 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q3/18 Q4/18 Q1/19 Q2/19 $211 $197 $174 $168 $197 $179 $170 • 3Y CAGR 12.3% 1 Calculated as Bus& Gov't deposits less Wholesale Funding, adjusted for Sub Debt Q2/19 · BUSINESS & GOVERNMENT Gaining share of deposits through leveraging of relationships • 12.3% CAGR over the last 3 years Focusing on operational, regulatory friendly deposits Scotiabank® 34

View entire presentation