Investor Presentaiton

Wholesale Funding Utilization. Managing reliance on wholesale funding and growing deposits WHOLESALE FUNDING / TOTAL ASSETS 27.7% 25.2% 23.8% 23.4% 23.9% REDUCED RELIANCE ON WHOLESALE FUNDING Operating in line with peers o Reduced reliance on wholesale funding 。 Sustained focus on deposits as an alternate to wholesale funding Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING Q2/18 Q3/18 39.9% 38.7% 38.3% 38.4% 37.5% 37.4% 36.8%, 36.0% 35.6% Q4/18 Q1/19 FOCUS ON TERM FUNDING Reduced reliance on money market funding and termed out funding book o Q1/19 increase is temporary and expected to revert to previous levels Scotiabank® 33 33

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