PCL Ratios and Provision for Credit Losses Review

SUMMARY OF ADJUSTING ITEMS1 Adjusting Items (Pre-Tax) ($MM) Acquisition-Related Costs Day 1 PCL on acquired performing financial instruments - International Banking Integration Costs Canadian Banking International Banking Amortization of Intangibles² Canadian Banking International Banking Total (Pre-Tax) Adjusting Items (After-Tax and NCI) ($MM) Acquisition-Related Costs Day 1 PCL on acquired performing financial instruments - International Banking Integration Costs Canadian Banking International Banking Amortization of Intangibles³ Canadian Banking International Banking Total (After-Tax and NCI) 1 May not add due to rounding 2 Excludes amortization of intangibles related to software (pre-tax) 3 Excludes amortization of intangibles related to software (after-tax) Q3/17 Q2/18 Q3/18 404 26 3 23 19 18 23 7 7 12 12 11 11 19 18 453 Q3/17 Q2/18 Q3/18 After-Tax and Tax NCI NCI 119 109 176 8 4 15 1 2 7 4 14 58 450 13 6 3 16 9 9 7 14 13 133 113 207 16 13 Scotiabank® | 20

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