Earnings & Dividend Growth Presentation

WHOLESALE FUNDING UTILIZATION Managing reliance on wholesale funding and growing deposits WSF/TOTAL ASSETS 25.9% 25.2% 25.1% 24.5% 24.6% 24.2% 23.8% 23.7% 23.8% REDUCING RELIANCE ON WHOLESALE FUNDING Targeting to be in line with peers o Reduced reliance on wholesale funding over the last two years ○ Sustained focus on deposits as an alternate to wholesale funding Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 MONEY MARKET WSF/TOTAL WSF 41.4% 39.9% 38.7% 38.3% 37.7% 37.5% 37.4% 36.8% 35.6% Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 FOCUS ON TERM FUNDING Steady reduction in reliance on money market funding Scotiabank | 33

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