Canadian Banking Financial Analysis

($MM) 1000 900 800 700 600 500 400 300 200 100 0 IMPAIRED LOANS NET FORMATIONS OF IMPAIRED LOANS1,2 IAS 39 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 IFRS 9 1 ($B) 2 3 4 Q1/17 Q2/17 5 6 Q3/17 GROSS IMPAIRED LOANS 1,2,3 Q417 IAS 39 IFRS 9 Net formations Average GILS (LHS) GILS as % of loans & BAS (RHS) 1 Prior to Q1/18, excludes loans acquired under the Federal Deposit Insurance Corporation (FDIC) guarantee related to the acquisition of R-G Premier Bank of Puerto Rico. Effective Q1/18, includes loans acquired under the Federal Deposit Insurance Corporation (FDIC) guarantee related to the acquisition of R-G Premier Bank of Puerto Rico 2 2018 amounts are based on IFRS 9. Prior period amounts were based on IAS 39 3 Excludes impact of acquisitions in Q3/18 of $0.2B Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 1.15% 1.10% 1.05% 1.00% 0.95% 0.90% 0.85% Scotiabank® 35

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