International Banking - Annual Overview

WHOLESALE FUNDING UTILIZATION Reducing reliance on wholesale funding and growing deposits WSF/TOTAL ASSETS 28.4% 27.0% 26.1% 25.9% 25.2% 24.5% 23.8% 23.7% 23.8% REDUCING RELIANCE ON WHOLESALE FUNDING Continuing to close the gap vs. peers o Reduced reliance on wholesale funding by ~20% over the last two years 。 Scotiabank's WSF balance of $218B o Deposits continuing as an alternate to wholesale funding Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 MONEY MARKET WSF/TOTAL WSF 46.3% 44.1% 41.5% 41.4% 38.7% 37.7% 37.5% 37.4% 36.8% Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 FOCUS ON TERM FUNDING Reducing concentration of money market instrument funding Scotiabank® | 37 32

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