Investor Presentaiton

INTERNATIONAL BANKING - VOLUME GROWTH Strong loan and deposit growth AVERAGE LOANS & ACCEPTANCES ($B)' AVERAGE DEPOSITS ($B) 1.2 1, 2 122 8 20 32 +28% Y/Y3,4 +18% Y/Y4,5 118 120 155 154 10 10 +32% Y/Y4 224 24 25 25 102 +30% Y/Y4 43 33 36 42 42 42 42 +32% Y/Y4 78 78 +24% Y/Y4 75 55 66 63 Q3/18 Q2/19 Business Q3/19 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 27% Y/Y on a reported basis 4 Includes the impact of acquisitions 5 Average deposits growth of 18% Y/Y on a reported basis Q3/18 Q2/19 Non- Personal Personal 43 33 +17% Y/Y4 77 +18% Y/Y4 Q3/19 Scotiabank. | 28

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