International Banking Volume Growth and Sector Highlights

CORE BANKING MARGIN 2.40% 2.40% 2.54% 2.46% 2.44% Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 YEAR-OVER-YEAR HIGHLIGHTS Lower margins in International Banking given asset mix changes and lower inflation Partly offset by wider margins in Canadian Banking Scotiabank® | 19

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