Investor Presentation First Quarter 2019

Liquidity Metrics Well funded Bank with strong liquidity • Liquidity Coverage Ratio (LCR) 。 Stable and sound management of liquidity 。 Net Stable Funding Ratio (NSFR) implementation date is January 2020 127% 132% 128% 128% 126% 127% 125% 125% 125% 124% Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 • High Quality Liquid Assets (HQLA) 。 Efficiently managing LCR and optimizing HQLA $158 $144 $140 $138 $136 $132 $128 $125 $127 $123 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Scotiabank® 34 34

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