Global Wealth Management and Banking Overview

International Banking: Revenue and Loan Mix Focused on Latin America, with good contribution from the Caribbean and Central America 71% Latin America REVENUE MIX1,2 $2.8B 6% Asia 24% Caribbean & Central America 1 For the three months ended October 31, 2018 2 On a constant dollar basis 51% Business and Government Loans 6% Credit Cards AVERAGE LOAN MIX 1, 2 $144B 16% Personal Loans 27% Residential Mortgages Scotiabank® 25 25

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