Investor Day Summary

INTERNATIONAL BANKING: REVENUE AND LOAN MIX Focused on Latin America, with good contribution from the Caribbean and Central America 68% Latin America REVENUE MIX 1, 2 $2.7B 5% Asia 27% Caribbean & Central America 1 For the three months ended April 30, 2018 2 On a constant dollar basis 51% Business and Government Loans 7% Credit Cards AVERAGE LOAN MIX 1, 2 $119B 16% Personal Loans 26% Residential Mortgages Scotiabank® | 24

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