Scotiabank Risk Overview

TABLE OF CONTENTS Scotiabank Overview Business Line Overview: Canadian Banking Business Line Overview: International Banking 20 20 26 Business Line Overview: Global Wealth Management Business Line Overview: Global Banking and Markets Risk Overview Treasury and Funding Appendix 1: Core Markets: Economic Profiles Appendix 2: Canadian Economic Fundamentals Appendix 3: Bail-in and TLAC Appendix 4: Covered Bonds Appendix 5: Reconciliation for non-GAAP Financial Measures Appendix 6: Additional Information Contact Information 34 39 42 49 49 56 40 67 73 77 30. 81 90 92 92 3

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