Investor Presentaiton

RETAIL 90+ DAYS PAST DUE LOANS Credit quality remains relatively stable across all markets and products Q3/18 CANADA Q4/18 Q1/19 Q2/19 Q3/19 Mortgages 0.20% 0.20% 0.21% 0.21% 0.21% Personal Loans 0.56% 0.56% 0.58% 0.56% 0.54% Credit Cards 0.89% 0.91% 0.95% 0.92% 0.83% Secured and Unsecured Lines of Credit 0.28% 0.29% 0.30% 0.30% 0.26% Total 0.27% 0.28% 0.29% 0.28% 0.27% INTERNATIONAL Q3/181 Q4/181 Q1/191 Q2/191,2 Q3/191,2 Mortgages 3.28% 3.18% 3.24% 3.16% 3.23% Personal Loans 3.45% 3.56% 3.59% 3.52% 3.55% Credit Cards 3.03% 2.96% 3.01% 3.01% 3.19% TOTAL 3.31% 3.25% 3.30% 3.23% 3.31% 1 Includes acquisitions in Chile, Colombia. 2 Includes acquisitions in Peru and Dominican Republic. Scotiabank. | 39

View entire presentation