Investor Presentaiton

INTERNATIONAL BANKING - REGIONAL LOAN GROWTH Strong loan growth in Latin America AVERAGE LOANS & ACCEPTANCES ($B)1 CONSTANT DOLLAR LOAN VOLUMES, Y/Y +11% Y/Y2 119 113 109 31 -1% Y/Y 31 32 32 77 Q2/17 Latin America Retail Commercial³ Total Latin America 14% 17% 16% C&CA 1% (3%) (1%) +16% Y/Y 62 88 Total 10% 12% 11% 82 Q1/18 Q2/18 Caribbean & Central America 1 Y/Y growth rates are on a constant dollar basis 2 Average loans & acceptances growth of 9% Y/Y on a reported basis 3 Excludes bankers acceptances 6 Scotiabank® | 24

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