Scotiabank Investor Day Summary

WHOLESALE FUNDING COMPOSITION Wholesale funding diversity by instrument and maturity 1,6,7 38% Medium Term Notes & Deposit Notes Asset-Backed Commercial Paper³ 3% 2% Deposits from Banks2 31% $229B Bearer Deposit Notes, Commercial Paper & Certificate of Deposits 2% MATURITY TABLE (EX-SUB DEBT) (CANADIAN DOLLAR EQUIVALENT, $B) Asset-Backed Securities $25 -12% Covered Bonds 9% $5 $22 $21 $3 $18 $6 $18 $1 $2 $15 $2 $7 45 $4 Mortgage Securitization4 $20 $16 $16 ·3% $14 $11 $11 Subordinated Debt5 < 1 Year 2 Years 3 Years 4 Years 5 Years 5 Years Senior Debt ABS 1 Wholesale funding sources exclude repo transactions and bankers acceptances, which are disclosed in the contractual maturities table in the MD&A of the Interim Consolidated Financial Statements. Amounts are based on remaining term to maturity. 2 Only includes commercial bank deposits raised by Group Treasury.. 3 Wholesale funding sources also exclude asset-backed commercial paper (ABCP) issued by certain ABCP conduits that are not consolidated for financial reporting purposes. 4 Represents residential mortgages funded through Canadian Federal Government agency sponsored programs. Funding accessed through such programs does not impact the funding capacity of the Bank in its own name. 5 Although subordinated debentures are a component of regulatory capital, they are included in this table in accordance with EDTF recommended disclosures. 6 As per Wholesale Funding Sources Table in MD&A. As of Q3/18 7 Wholesale funding sources may not add to 100% due to rounding > Covered Bonds Scotiabank | 35

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