Investor Presentaiton

INTERNATIONAL BANKING - VOLUME GROWTH Solid loan and deposits growth AVERAGE LOANS & ACCEPTANCES ($B)1 AVERAGE DEPOSITS ($B) 1, 2 +11% Y/Y3 +8% Y/Y4 119 +15% 101 113 8 96 Y/Y 90 96 109 7 7 19 +10% +6% 36 19 18 Y/Y 35 35 Y/Y 9 29 55 555 Q2/17 Business 31 30 0 44 57 Q1/18 +9% Y/Y 99 61 +12% Y/Y 61 61 Q2/18 Residential mortgages Personal loans Credit cards 1 Y/Y growth rates are on a constant dollar basis 2 Includes deposits from banks 3 Average loans & acceptances growth of 9% Y/Y on a reported basis 4 Average deposits growth of 5% Y/Y on a reported basis Q2/17 Q1/18 Non- Personal Personal 65 55 Q2/18 +9% Y/Y ⑤Scotiabank® | 23

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