Scotiabank Financial Review Q2 2019

INTERNATIONAL BANKING - REGIONAL LOAN GROWTH Strong loan growth in Latin America bolstered by acquisitions AVERAGE LOANS & ACCEPTANCES ($B)¹ CONSTANT DOLLAR LOAN VOLUMES, Y/Y +29% Y/Y2,3 Retail Commercial4 Total 154 149 +1% Latin America 45% 34% 39% 32 Y/Y 32 119 C&CA 1% 0% 1% 31 +39% 122 117 Y/Y3 88 Q2/18 Latin America Q1/19 Q2/19 Caribbean & Central America 1 Y/Y growth rates are on a constant dollar basis 2 Average loans & acceptances growth of 30% Y/Y on a reported basis 3 Includes the impact of acquisitions 4 Excludes bankers acceptances Total 31% 27% 29% Scotiabank® 30

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