Investor Presentaiton

International Banking – Revenue & Volume Growth Revenues (TEB) ($ millions) - Average Loans & Acceptances ($ billions) +4% Y/Y +6% 25 23 24 Y/Y 27 29 2,469 2,586 2,618 28 55 52 55 905 975 879 1,590 1,611 1,713 Q2/16 Q2/16 Q1/17 Q2/17 Business ■Residential mortgages Personal & credit cards Average Deposits¹ ($ billions) +10% Y/Y 35 34 34 Q1/17 Q2/17 53 57 61 ■Non-interest revenue Net interest income (1) Includes deposits from banks 20 20 Q2/16 Q1/17 Q2/17 Scotiabank® ■Non-personal ■ Personal

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