Investor Presentaiton

CANADIAN BANKING - VOLUME GROWTH Strong deposit and business loan growth AVERAGE LOANS & ACCEPTANCES ($B)¹ +4% Y/Y AVERAGE DEPOSITS ($B)¹ +10% Y/Y 344 351 262 265 337 241 58 53 73 73 55 7 7 73 +10% Y/Y 84 87 8 75 +17% Y/Y 74 +3% Y/Y 205 208 211 +3% Y/Y 178 178 +7% Y/Y 166 Q3/18 Q2/19 Residential mortgages Personal loans 1 May not add due to rounding Credit cards Q3/19 Business Q3/18 Personal Q2/19 Q3/19 Non-personal Scotiabank. | 23

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