Investor Presentaiton

Wholesale Funding Utilization Managing reliance on wholesale funding and growing deposits WHOLESALE FUNDING / TOTAL ASSETS 28.0% 27.7% 25.2% 23.8% 23.4% REDUCING RELIANCE ON WHOLESALE FUNDING • Targeting to be in line with peers o Reduced reliance on wholesale funding over the last two years 。 Sustained focus on deposits as an alternate to wholesale funding Q4/14 Q4/15 Q4/16 Q4/17 Q4/18 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 39.9% 38.7% 38.3% 37.7% 37.5% 37.4% 36.8% 35.6% 36.0% Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 FOCUS ON TERM FUNDING Reduced reliance on money market funding and termed out funding book Scotiabank® 33 33

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