Investor Presentaiton

Gross Impaired Loans ($ billions) 4.8 4.5 4.2 3.9 3.6 3.3 1 1.05% 1.00% 0.95% 0.90% 0.85% 0.80% 3.0 0.75% GILS (LHS) Q3/13 Q4/13 Q4/13 Q1/14 Q2/14 Q3/14 Q4/14 Q1/15 Q2/15 Q3/15 -GILS as % of Loans & Bas (RHS) (1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico 29 29 Scotiabank®

View entire presentation