Investor Day Summary

PROVISIONS FOR CREDIT LOSSES IAS 39 IFRS 9 ($MM) Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q1/18 PCLs on PCLs on Impaired Loans Impaired PCLs Loans Canadian Banking Canadian Retail 213 220 214 210 206 200 Canadian Commercial 22 16 10 8 14 10 Total Canadian Banking 235 236 224 218 220 210 Total Excluding net acquisition benefit 240 247 232 224 N/A N/A International Banking International Retail 265 280 280 265 306 320 International Commercial 45 69 45 45 40 241 Total 310 349 325 310 3462 3441,2 Total - Excluding net acquisition benefit 340 380 355 365 N/A N/A Global Banking and Markets 2 24 (2) (9) Other (1)1 All Bank 553 587 573 536 564 544 1 Includes provision for credit losses on debt securities and deposit with banks of ($5 million) in International Banking and ($1 million) in Other 2 Not comparable to prior periods, which were net of acquisition benefits Scotiabank® 29

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