Investor Day Summary

INTERNATIONAL BANKING - VOLUME GROWTH Solid loan and deposits growth AVERAGE LOANS & ACCEPTANCES ($B) 1 AVERAGE DEPOSITS ($B) 1,2 +11% Y/Y3 +8% Y/Y4 113 96 96 110 104 91 +11% 26 +5% 25 Y/Y 24 34 35 Y/Y 34 +9% 29 30 Y/Y 28 52 56 57 52 40 Q1/17 Business Q4/17 +12% Y/Y +10% Y/Y 62 61 52 57 Q1/18 Q1/17 Residential mortgages Personal & credit cards 1 Y/Y growth rates are on a constant dollar basis 2 Includes deposits from banks 3 Average loans & acceptances growth of 8% Y/Y on a reported basis 4 Average deposits growth of 6% Y/Y on a reported basis Q4/17 Non- Personal Personal Q1/18 Scotiabank® 25 25

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