PCL Ratios and Provision for Credit Losses Review

INTERNATIONAL BANKING - VOLUME GROWTH Solid loan and deposits growth AVERAGE LOANS & ACCEPTANCES ($B)1 AVERAGE DEPOSITS ($B)1, 2 1,2 +10% Y/Y3 +7% Y/Y4 122 119 101 +17% 102 8 98 113 8 Y/Y 7 19 19 +9% 18 36 36 +4% Y/Y 36 Y/Y 32 30 31 +8% 30 Y/Y 61 63 58 33 Q3/17 Business Q2/18 Q3/18 +10% Y/Y Residential mortgages Personal loans Credit cards 1 Y/Y growth rates are on a constant dollar basis 2 Includes deposits from banks 3 Average loans & acceptances growth of 8% Y/Y on a reported basis 4 Average deposits growth of 4% Y/Y on a reported basis 62 62 65 65 66 Q3/17 Q2/18 Non- Personal Personal Q3/18 +8% Y/Y Scotiabank® | 25

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