Investor Presentaiton

Gross Impaired Loans" ($ billions) 1 5.4 5.1 4.8 4.5 4.2 3.9 3.6 3.3 3.0 Q1/14 Q2/14 Q3/14 Q4/14 Q1/15 Q2/15 Q3/15 Q4/15 Q1/16 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. 30 30 1.05% 1.00% 0.95% 0.90% 0.85% 0.80% 0.75% Scotiabank®

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