Scotiabank Earnings Growth and Risk Review

$ Scotiabank Scotiabank Risk Review John Crean Senior Executive Vice-President Global Risk Management 23 Risk Overview ■ Credit quality - choppy conditions but overall portfolio stable A net impaired loans down slightly before Argentina ➤ specific provisions unchanged at $350 million vs. Q1 ◉ Argentine net impaired loans down ➤ down $143 million due to further Peso devaluation 24

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