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Investor Presentaiton

Progress in Digital Banking Progressing well against 2018 Investor Day digital targets Digital Retail Sales¹ +1400bps Digital Adoption2 +700bps In-Branch Financial Transactions³ -800bps 25 33 33 26 22 29 23 26 20 18 15 11 F2016 F2017 F2018 Q1/19 F2016 F2017 F2018 Q1/19 F2016 F2017 F2018 Q1/19 Goal >50% Goal >70% Goal <10% Strong progress made in all five key markets across various product suites including deposits, personal loans, insurance, etc. Adoption grew 400bps against Q1 of last year; stable compared to year end In-branch transactions continued to decline at a steady pace 1 Canada: F2017 22%, F2018 26%, Q1/19 28% 2 Canada: F2017 36%, F2018 38%, Q1/19 39% 3 Canada: F2017 17%, F2018 15%, Q1/19 13% PACS: F2017 13%, F2018 19%, Q1/19 24% PACS: F2017 20%, F2018 26%, Q1/19 27% PACS: F2017 29%, F2018 24%, Q1/19 22% Scotiabank® 12 12
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