Investor Day Summary

INTERNATIONAL BANKING - REGIONAL LOAN GROWTH Strong loan and deposit growth AVERAGE LOANS & ACCEPTANCES ($B) CONSTANT DOLLAR LOAN VOLUMES, Y/Y +11% Y/Y1 113 110 104 31 30 33 80 82 71 Q1/17 Latin America Q4/17 Q1/18 Caribbean & Central America 1 Average loans & acceptances Y/Y growth rate on a constant dollar basis - on a reported basis, growth rate of 8% 2 Excludes bankers acceptances Retail Commercial² Total Latin America 15% 17% 16% C&CA (2%) (1%) Total 10% 12% 11% Scotiabank® 26

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