Automotive Finance and ESG Strategies

Well-Diversified and Profitable Business Diversified by business and by geography, providing stability and lowering risk. Earnings by Business 1,2,3 Wealth Management 13% Global Wealth Management 13% Earnings by Geography 1,2 * Caribbean and Central America Other 8% Wholesale Banking 17% Global Banking and Markets 17% Canadian Colombia 2% C&CA* 9% Banking P&C Personal & 2019 YTD 38% Commercial EARNINGS MIX Banking $6.9B3 70% International Banking P&C 32% Chile 6% Peru 9% Mexico 7% 2019 YTD EARNINGS MIX $6.9B3 S U.S. 9% Adjusted Return on Equity 12 by Division 18.7% 13.9% 13.1% 13.9% Canadian Banking International Banking Global Banking and Markets All Bank Canada 50% 1 Net income attributable to equity holders or for the nine months ended July 31, 2019; 2 Figures adjusted for Acquisition and divestiture-related amounts, including integration and amortization costs related to current acquisitions, amortization of intangibles related to current and past acquisitions and net loss on divestitures and related costs; 3 Excluding Other segment GREATER SCALE, GREATER FOCUS Scotiabank. CO 6

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