Global Banking and Markets & Canadian Retail Financial Insights

PCL Ratios (Total PCL as a % of Average Net Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Loans & Acceptances) Canadian Banking Retail 0.28 0.30 0.30 0.31 0.32 Commercial 0.14 0.14 0.20 0.14 0.21 Total 0.26 0.28 0.29 0.28 0.30 Total - Excluding net acquisition benefit 0.28 0.30 0.31 0.29 0.31 International Banking Retail 2.09 2.09 2.13 2.01 2.10 Commercial 0.28 0.97 0.47 0.33 0.35 Total 1.14 1.50 1.26 1.15 1.21 Total - Excluding net acquisition benefit 1.23 1.63 1.39 1.32 1.32 Global Banking and Markets 0.27 0.57 0.19 0.19 0.04 All Bank 0.45 0.59 (1) 0.47 0.45 0.45 (1) Excludes collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.64 15 Scotiabank®

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