International Banking Revenue and Loan Growth

INTERNATIONAL RETAIL: LOANS AND PROVISION (Spot Balances as at Q4/18, $B¹) Total Portfolio1: $71 billion; 67% secured $23.9 $2.6 $18.4 $1.9 Mortgages ($40.0B) $4.6 $11.7 Personal loans ($20.9B) $0.7 $3.3 Credit cards ($9.1B) $11.9 $7.7 $6.0 $8.4 $7.6 $15.3 $1.6 $2.3 $3.9 $3.1 $2.9 $2.2 PCL2 C&CA Mexico Chile Peru Colombia Q4/18 Q3/18 Q4/18 Q3/18 Q4/18 Q3/18 Q4/18 Q3/18 Q4/18 Q3/18 PCLs on Impaired Loans $ millions 65 68 60 42 86 63 78 85 110 67 % of avg. net loans (bps) 147 151 206 154 145 182 400 443 582 452 PCLS $ millions 45 % of avg. net loans (bps) 101 155 56 56 63 46 46 79 573 84 81 101 633 126 216 169 134 1653 432 421 532 4253 1 Total Portfolio includes other smaller portfolios 2 2018 amounts are based on IFRS 9 3 Adjusted for acquisition-related costs, including Day 1 PCL impact on acquired performing loans Scotiabank® 37

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