PCL Ratios and Provision for Credit Losses Review

CANADIAN BANKING - VOLUME GROWTH Strong business and residential mortgage growth, and continue to grow retail deposits AVERAGE LOANS & ACCEPTANCES ($B)1 AVERAGE DEPOSITS ($B)1 +6% Y/Y +3% Y/Y 333 337 241 318 53 50 46 +14% Y/Y 235 237 7 7 7 75 73 73 55 +3% 70 71 73 70 Y/Y +3% Y/Y +3% 204 205 195 +5% Y/Y Y/Y 162 164 166 Q3/17 Residential mortgages 1 May not add due to rounding Q2/18 Personal Loans Credit Cards Q3/18 Business Q3/17 Personal Q2/18 Q3/18 Non-personal Scotiabank® | 23

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