Investor Presentaiton

INTERNATIONAL BANKING - REGIONAL LOAN GROWTH Strong loan growth in Latin America bolstered by acquisitions AVERAGE LOANS & ACCEPTANCES ($B)¹ +28% Y/Y2,3 CONSTANT DOLLAR LOAN VOLUMES, Y/Y 122 3314 91 Q3/18 Latin America Retail Commercial4 Total 155 154 +0% Latin America 46% 31% 37% 32 32 2 Y/Y 2 +37% 122 123 Y/Y3 Q2/19 Q3/19 Caribbean & Central America 1 Y/Y growth rates are on a constant dollar basis 2 Average loans & acceptances growth of 27% Y/Y on a reported basis 3 Includes the impact of acquisitions 4 Excludes bankers acceptances C&CA 2% (2%) 0% Total 32% 24% 28% Scotiabank. 29

View entire presentation