Investor Presentaiton

Deposit Overview Stable trend in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) $193 $190 $195 $196 $204 $211 $215 $202 $199 $200 $201 $199 $198 3Y CAGR -4.1% PERSONAL DEPOSITS • Important for both relationship purposes and regulatory value . Good momentum with 4.1% CAGR over the last 3 years • BUSINESS & GOVERNMENT Gaining share of deposits through leveraging of relationships • 12.3% CAGR over the last 3 years Focusing on operational, regulatory friendly deposits Q4/15 Q1/16 Q2/16 Q4/15 Q1/16 Q2/16 1 Calculated as Bus& Gov't deposits less Wholesale Funding, adjusted for Sub Debt Q3/16 Q4/16 Q1/17 $174 $169 $168 $155 $149 $179 $172 $139 $170 $161 $156 $156 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 • 3Y CAGR -12.3% BUSINESS & GOVERNMENT DEPOSITS1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 $197 Scotiabank® 32 32

View entire presentation