Investor Presentaiton

GILS & NET WRITE-OFF RATIOS Stable GILs and net write-off ratios Gross impaired loans Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 (As a % of Period End Loans & Acceptances)² Canadian Banking 0.30% 0.29% 0.31% 0.31% 0.30% International Banking 3.10% 2.70% 2.58% 2.54% 2.57% Global Banking and Markets Net write-offs Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 1,3 (As a % of Average Net Loans & Acceptances) 1, 3 Canadian Banking 0.23% 0.23% 0.28% 0.28% 0.29% International Banking 1.14% 1.24% 1.34% 1.26% 1.27% Global Banking and 0.43% 0.30% 0.33% 0.28% 0.19% Markets (0.03)% 0.09% 0.01% All Bank 0.95% 0.89% 0.90% 0.89% 0.86% All Bank 0.39% 0.45% 0.50% 0.50% 0.50% 1 Annualized 2 Excludes impact of acquisitions (Q3/18: $233 million, Q2/19: $18 million) 3 Net write-offs are net of recoveries Scotiabank. | 38

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