International Banking - Annual Overview

CONSISTENT LOAN GROWTH Continued growth in core earning assets Core P&C loan growth has remained steady over 2 years • Loans constitute 56% of the balance sheet (CANADIAN DOLLAR EQUIVALENT, $B) $462 $480 $500 $503 $509 $472 $477 $485 $482 $171 $169 $168 $162 $166 $159 $160 $160 $154 $103 $91 $95 $96 $98 $100 $98 $101 $102 $217 $219 $217 $219 $223 $224 $228 $232 $237 Q4/15 Q1/16 Q2/16 Residential Mortgages Q3/16 Q4/16 Personal and Credit Cards Q1/17 Q2/17 Q3/17 Q4/17 Business and Government Scotiabank® 35 55

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