Earnings & Dividend Growth Presentation

INTERNATIONAL BANKING: REVENUE AND LOAN MIX Focused on Latin America, with good contribution from the Caribbean and Central America 68% Latin America REVENUE MIX 1, 2 $2.8B 5% Asia 27% Caribbean & Central America 1 For the three months ended July 31, 2018 2 On a constant dollar basis 52% Business and Government Loans 6% Credit Cards AVERAGE LOAN MIX 1, 2 $122B 16% Personal Loans 26% Residential Mortgages Scotiabank | 25

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