Investor Day Summary

NET WRITE-OFFS Stable net write-off ratio and economic performance Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 (As a % of Average Net Loans & Acceptance) Canadian Banking 0.32% 0.34% 0.32% 0.29% 0.25% International Banking 1.34% 1.33% 1.43% 1.16% 1.38% Global Banking and Markets 0.04% 0.19% 0.18% 0.04% 0.05% All Bank 0.49% 0.53% 0.54% 0.44% 0.46% Scotiabank® 18

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