Scotiabank Financial Review Q2 2019

CANADIAN RESIDENTIAL MORTGAGE PORTFOLIO $110.2 42% Insured $12.9 Total Portfolio: $217 billion (Spot Balances as at Q2/19, $B) $97.3 $39.6 $9.7 $30.6 - $3.6 $16.0 $29.9 $1.8 $11.2 $27.0 $14.2 $11.0 $0.2 $9.5 $8.8 $0.7 58% Ontario BC & Territories Alberta Quebec Atlantic Provinces Manitoba & Saskatchewan Uninsured Freehold $188B Condos $29B Average LTV of uninsured mortgages is 55%¹ | New originations² average LTV of 64% in Q2/19 1 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data. 2 New originations defined as newly originated uninsured residential mortgages and have equity lines of credit, which include mortgages for purchases refinances with a request for additional funds and transfer from other financial institutions. Scotiabank® 26

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