Investor Presentation Second Quarter 2018

LIQUIDITY METRICS Well funded Bank with strong liquidity ⚫ Liquidity Coverage Ratio (LCR) ○ Consistently strong performance ○ Net Stable Funding Ratio (NSFR) implementation date postponed to January 2020 132% 128% 127% 127% 126% 125% 125% 125% 121% Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 High Quality Liquid Assets (HQLA) 。 Efficiently managing LCR and optimizing HQLA $145 $140 $137 $136 $132 $128 $127 $125 $123 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Scotiabank 33

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