Investor Presentation Second Quarter 2018

DEPOSIT OVERVIEW Stable trend in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) $180 $186 $193 $190 $195 $196 $202 $200 $201 $199 $199 $198 $204 . PERSONAL DEPOSITS Important for both relationship purposes and regulatory value 4.2% CAGR over the last 3 years ○ 83% of personal deposits are in Canada Q2/15 Q3/15 Q4/15 1 Calculated as Bus& Gov't deposits less Wholesale Funding, adjusted for Sub Debt Q2/15 Q3/15 Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 $174 $169 $168 $155 $149 $172 $170 $139 $156 $161 $156 $123 $126 3Y CAGR 11.0% BUSINESS & GOVERNEMENT DEPOSITS1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 3Y CAGR 4.2% - Q2/18 . BUSINESS & GOVERNMENT Leveraging relationships to increase share of deposits • 11% CAGR over the last 3 years Focusing on operational, regulatory friendly deposits Scotiabank | 31

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