Investor Presentation Second Quarter 2018

CANADIAN BANKING: REVENUE AND LOAN MIX Strong retail and growing commercial and wealth 17% Commercial 59% Retail REVENUE MIX1 $3.2B 1 For the three months ended April 30, 2018 24% Wealth 2% Credit Cards 62% Residential Mortgage AVERAGE LOAN MIX 1 $333B 15% Business and Government Loans 21% Personal Loan Scotiabank® | 18

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