Investor Presentaiton

PROVISION FOR CREDIT LOSSES IAS 39 IFRS 9 ($MM) Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 PCLs on PCLs on PCLs on Total Total PCLs on Impaired Loans Total Total Impaired ! Loans Impaired Impaired PCLS PCLS PCLs PCLS Loans Loans (rep.) (adj.) Canadian Banking Canadian Retail 214 210 206 200 193 193 179 174 174 Canadian Commercial 10 8 14 10 11 12 (5) 7 7 Total Canadian Banking 224 218 220 210 204 205 174 181 181 I - Total Excluding Credit Mark Benefits 232 224 N/A N/A N/A N/A N/A N/A N/A International Banking International Retail 280 265 306 320 308 294 337 669 320 International Commercial 45 45 40 241 80 461 60 1021 471 Total 325 310 I 3462 3441,2 3882 3401,2 3972 7711,2,3 3671,2,4 Total Excluding Credit Mark Benefits 355 365 N/A N/A N/A N/A N/A N/A N/A Global Banking and Markets 24 8 (2) (9) 3 (11) (12) (10) (10) Other (1)1 - - 11 11 All Bank 573 536 564 544 595 534 559 943 539 1 Includes provision for credit losses on debt securities and deposit with banks of $1 million (Q1/18: -$5 million, Q2/18: -$4 million) in International Banking and $Nil (Q1/18: -$1 million, Q2/18: $Nil)) in Other 2 Not comparable to periods prior to Q1/18, which were net of acquisition benefits 3 Figures on an reported basis; includes impact of Day 1 PCLS from acquisitions 4 Figures on an adjusted basis; adjusted for Day 1 PCLs from acquisitions Scotiabank® | 29

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