Investor Day Summary

CANADIAN BANKING - VOLUME GROWTH Strong business and residential mortgage growth, and continue to grow retail deposits AVERAGE LOANS & ACCEPTANCES ($B) +7% Y/Y AVERAGE DEPOSITS ($B) +2% Y/Y 325 329 235 236 309 232 49 47 43 475 69 73 73 78 78 162 162 163 191 199 202 Q1/18 Q1/17 Q1/17 Q4/17 Residential mortgages Personal & credit cards Business Personal Q4/17 Q1/18 Non-personal Scotiabank® 23

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