Canadian Banking Financial Analysis

PROVISION FOR CREDIT LOSSES ($MM) Q1/18 Q2/18 PCLs on Impaired Loans Total PCLS PCLs on Impaired Loans Total PCLS Q3/18 PCLs on Total PCLs on Impaired PCLs Impaired Loans (adj.) Loans Q4/18 Q1/19 PCLs on Total Total Impaired PCLS PCLS Loans Canadian Banking Canadian Retail 206 200 193 193 179 174 181 179 201 202 Canadian Commercial 14 10 11 12 (5) 7 7 19 28 311 Total Canadian Banking 220 210 204 205 174 181 188 198 229 233 International Banking International Retail 306 320 308 294 337 3203 412 384 416 421 International Commercial 40 241 80 461 60 471,3 541 281 35 491 Total 3462 3441,2 3882 3401,2 3972 3671, 2, 3 4661,2 4121,2 451 470 Global Banking and Markets (2) (9) 3 (11) (12) (10) (17) (20)1 (1) (16) Other (1)1 - 11 11 All Bank 564 544 595 534 559 539 637 590 679 688 1 Includes provision for credit losses on debt securities and deposit with banks of $2 million in Canadian Banking, $2 million (Q1/18: -$5 million, Q2/18: -$4 million, Q3/18: $Nil, Q4/18: $41 million (impaired) and $40 million (total)) in International Banking, $nil in Global Banking and Markets (Q4/18: $1 million) and -$1 million (Q1/18: -$1 million, Q2/18: $Nil, Q3/18: $1 Million, Q4/18: $1 million) in Other 2 Not comparable to periods prior to Q1/18, which were net of acquisition benefits 3 Figures on an adjusted basis; adjusted for Day 1 PCLs from acquisitions Scotiabank® 34

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