PCL Ratios and Provision for Credit Losses Review

CANADIAN BANKING - REVENUE GROWTH AND NIM Good retail and commercial lending revenue growth REVENUE (TEB) ($MM) +3% Y/Y NIM (%) 3,373 2.41% 2.41% 2.41% 2.43% 2.46% 3,266 3,231 -1% 821 831 766 Y/Y 1.68% 1.66% 1.63% 1.64% 1.65% 606 +11% 546 558 Y/Y +3% 1,889 1,907 1,946 Y/Y Q3/17 Q2/18 Retail Commercial Wealth 1.05% 1.08% 1.10% 0.96% 0.99% Q3/18 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Total Canadian Banking Margin Total Earning Asset Margin Total Deposits Margin Scotiabank® | 22

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