PCL Ratios and Provision for Credit Losses Review

INTERNATIONAL BANKING - REGIONAL LOAN GROWTH Strong loan growth in Latin America AVERAGE LOANS & ACCEPTANCES ($B)¹ CONSTANT DOLLAR LOAN VOLUMES, Y/Y +10% Y/Y2 122 119 113 31 31 -2% Y/Y 32 Retail Commercial³ Total Latin America 14% 15% 15% C&CA 1% (6%) (2%) +15% 91 Y/Y 88 Total 9% 10% 10% 81 Q3/17 Latin America Q2/18 Q3/18 Caribbean & Central America 1 Y/Y growth rates are on a constant dollar basis 2 Average loans & acceptances growth of 8% Y/Y on a reported basis 3 Excludes bankers acceptances Scotiabank® | 26

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