Scotiabank Financial Review Q2 2019

GILS & NET WRITE-OFF RATIOS Stable GILs and write-off ratios GILS ($B) and GIL RATIO ON IMPAIRED LOANS 1, 2 95 bps 95 bps 89 bps 90 bps 89 bps 5.3 5.3 5.4 5.1 5.1 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 GILs on impaired loans GILS ratio on impaired loans YEAR-OVER-YEAR HIGHLIGHTS • GILS1 were up 1% Q/Q and 4% Y/Y primarily due to acquisitions and underlying portfolio growth Net write-offs³ were down 2% Q/Q and up 23% Y/Y o Higher net write-offs in International Banking and Canadian Banking compared to last year NET WRITE-OFFS ($MM) AND NET WRITE-OFFS RATIO3, 4 50 bps 50 bps 45 bps 45 bps 39 bps 732 716 635 580 534 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 Net write-offs ― Net write-offs ratio 1 Excludes impact of acquisitions in Q2/19 of $18 million (Q3/18: $233 million) 2 As a percentage of period end loans and acceptances 3 Net write-offs are net of recoveries 4 As a percentage of average loans and acceptances Scotiabank® 16 16

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