Investor Presentaiton

Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Deposit Overview Stable trend in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) $211 $215 $222 $195 $196 $199 $201 $198 $204 $202 $199 $200 $193 3Y CAGR 4.4% PERSONAL DEPOSITS • Important for both relationship purposes and regulatory value . Good momentum with 4.4% CAGR over the last 3 years Q3/17 BUSINESS & GOVERNMENT DEPOSITS1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 $197 $179 $172 $170 $197 $156 $161 $156 $174 $169 $168 $155 $149 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 1 Calculated as Bus& Gov't deposits less Wholesale Funding, adjusted for Sub Debt 3Y CAGR - 8.2% Q1/19 · BUSINESS & GOVERNMENT Gaining share of deposits through leveraging of relationships • 8.2% CAGR over the last 3 years • Focusing on operational, regulatory friendly deposits Scotiabank® 32 32

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