PCL Ratios and Provision for Credit Losses Review

OTHER SEGMENT NET INCOME² ($MM) -55 -48 56 1 -32 -107 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 1 Represents smaller operating segments including Group Treasury and corporate adjustments 2 Attributable to equity holders of the Bank • . YEAR-OVER-YEAR HIGHLIGHTS Lower gains on sale of investment securities and asset-liability management activities Partly offset by lower non-interest expenses Scotiabank® | 12

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