Investor Presentaiton

1 Gross Impaired Loans" ($ billions) 6.0 5.5 5.0 4.5 4.0 3.5 3.0 Q2/15 Q3/15 Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 GILS as % of Loans & BAs (RHS) GILS (LHS) (1) Excludes loans acquired under the Federal Deposit Insurance Corporation (FDIC) guarantee related to the acquisition of R-G Premier Bank of Puerto Rico. 28 1.15% 1.10% 1.05% 1.00% 0.95% 0.90% 0.85% Scotiabank®

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