International Banking and Canadian Economic Insights

Strong Capital Generation Clear path to higher capital ratio CET1 Ratio ~50 bps 11.7% +3 bps 11.2% 11.1% +33 bps -17 bps -4 bps -9 bps -2 bps Q2/19 Earnings Less Dividends RWA Impact (ex. FX) Share Buybacks (Net of Issuances) Pension Re-Measurement Puerto Rico Q3 Impact Other Including FX Q3/19 Reported Impact of Announced Divestitures Q3/19 Pro-Forma Internal Generation Strong Capital Levels 14.5% 1.7% 1.4% 14.7% 14.8% 14.3% 14.6% 1.8% 2.1% 2.2% 1.4% 1.4% 1.4% 2.5% 1.1% 11.4% 11.1% 11.1% 11.1% 11.2% Q3/18 Q4/18 Q1/19 Q2/19 CET1 Tier 1 Tier 2 Q3/19 Scotiabank® 13

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