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Scotiabank Financial Analysis Q2/17

PCL Ratios (Total PCL as a % of Average Net Loans Q2/16 Q 3/16 Q4/16 Q1/17 Q2/17 & Acceptances) Canadian Banking Retail 0.30 0.30 0.31 0.32 0.34 Commercial 0.14 0.20 0.14 0.21 0.14 Total 0.28 0.29 0.28 0.30 0.31 Total Excluding net acquisition benefit 0.30 0.31 0.29 0.31 0.32 International Banking Retail 2.09 2.13 2.01 2.10 2.19 Commercial 0.97 0.47 0.33 0.35 0.51 Total 1.50 1.26 1.15 1.21 1.33 Total - Excluding net acquisition benefit 1.63 1.39 1.32 1.32 1.45 Global Banking and Markets 0.57 0.19 0.19 0.04 0.01 All Bank 0.59 (1) 0.47 0.45 0.45 0.49 (1) Adjusting for collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.64 14 Scotiabank®

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