International Banking Revenue and Loan Growth

OTHER SEGMENT NET INCOME² ($MM) -48 56 56 -32 -64 -107 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 1 Represents smaller operating segments including Group Treasury and corporate adjustments 2 Attributable to equity holders of the Bank YEAR-OVER-YEAR HIGHLIGHTS • Lower net gain on the sale of investment securities, lower net interest income from asset-liability management activities Partly offset by lower expenses Scotiabank® 14

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