Canadian Banking Financial Analysis

INTERNATIONAL BANKING - REGIONAL LOAN GROWTH Strong loan growth in Latin America bolstered by acquisitions AVERAGE LOANS & ACCEPTANCES ($B)¹ CONSTANT DOLLAR LOAN VOLUMES, Y/Y +29% Y/Y2,3 Retail Commercial4 Total 149 144 32 -2% Y/Y Latin America 47% 36% 41% 31 113 C&CA 31 82 22 Q1/18 Latin America 113 117 +41% Y/Y3 Q4/18 Q1/19 Caribbean & Central America 1 Y/Y growth rates are on a constant dollar basis 2 Average loans & acceptances growth of 32% Y/Y on a reported basis 3 Includes the impact of acquisitions 4 Excludes bankers acceptances (4%) (2%) Total 31% 27% 29% Scotiabank® 27

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