Scotiabank Financial Review Q2 2019

PROVISION FOR CREDIT LOSSES ($MM) Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 PCLs on Impaired PCLs on Total PCLs on PCLs on PCLs on Total Total PCLS Total Total Total Impaired PCLs Impaired Impaired Impaired PCLS PCLs PCLS PCLs Loans Loans (adj.) Loans Loans Loans (adj.) Canadian Banking Canadian Retail 193 193 179 174 181 179 201 202 220 245 245 Canadian Commercial 11 12 (5) 7 7 19 28 311 13 71 71 Total Canadian Banking 204 205 174 181 188 198 229 233 233 2521 2521 International Banking International Retail 308 294 337 3203 412 384 416 421 421 568 4193 International Commercial 80 461 60 471,3 541 281 35 491 51 601 581,3 Total 3882 3401,2 3972 3671, 2, 3 4661,2 4121,2 451 470 472 6281 4771,3 Global Banking and Markets 3 (11) (12) (10) (17) (20)1 (1) (16) (5) (6) (6) Other - - - 11 - 11 - (1)1 (1)1 All Bank 595 534 559 539 637 590 679 688 700 873 722 1 Includes provision for credit losses on debt securities and deposit with banks of -$1 million in Canadian Banking (Q1/19: $2 million), -$1 million (Q2/18: -$4 million, Q3/18: $Nil, Q4/18: $41 million (impaired) and $40 million (total), Q1/19: $2 million) in International Banking, $nil in Global Banking and Markets (Q4/18: $1 million) and $1 million (Q2/18: $Nil, Q3/18: $1 Million, Q4/18: $1 million, Q1/19: -$1 million) in Other 2 Not comparable to periods prior to Q1/18, which were net of acquisition benefits 3 Figures on an adjusted basis; adjusted for Day 1 PCLs from acquisitions Scotiabank® 38

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