Canadian Banking Financial Analysis

RISK REVIEW Credit fundamentals remain strong PCLs ($MM) AND PCL RATIO ON IMPAIRED LOANS¹ 1, 2 47 bps 46 bps 42 bps 41 bps 43 bps 679 637 564 595 559 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 PCLs on impaired loans PCL ratio on impaired loans GILS ($B)3 5.3 5.1 5.0 YEAR-OVER-YEAR HIGHLIGHTS • . • PCLs1 on impaired loans of $679 million were up 7% Q/Q and 20% Y/Y primarily due to acquisitions 。 Higher retail provisions in International Banking driven by acquisitions and underlying portfolio growth PCL ratio¹ on impaired loans was up 5 bps Q/Q and up 4 bps Y/Y o PCLS ratio on impaired loans in Canadian Retail Banking down 1 bp Y/Y The PCL ratio was 47 bps, up 8 bps Q/Q and up 5 bps Y/Y GILs were up 3% Q/Q and 6% Y/Y o Driven by acquisitions and underlying portfolio • 54 5.3 5.1 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 1 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures 2 Excludes acquisition-related costs including Day 1 impact on acquired performing loans 3 Excludes impact of acquisitions in Q3/18 of $0.2B growth Scotiabank® 14

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