Investor Presentaiton

NET WRITE-OFFS Stable net write-off ratio and economic performance 1 Annualized Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 (As a % of Average Net Loans & Acceptance)1 Canadian Banking 0.34% 0.32% 0.29% 0.25% 0.26% International Banking 1.33% 1.43% 1.16% 1.38% 1.26% Global Banking and Markets 0.19% 0.18% 0.04% 0.05% 0.08% All Bank 0.53% 0.54% 0.44% 0.46% 0.45% Scotiabank® | 16

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