Q3 2014 Overview

477 598 408 Net Formations of Impaired Loans¹ ($ millions) 600 295 477 500 394 400 372 349 315 الباس 0 Q3/12 Q4/12 Q1/13 Q2/13 Q3/13 Q4/13 Q1/14 Q2/14 Q3/14 300 200 100 (1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico Gross Impaired Loans¹ ($ billions) 27 Scotiabank 4.0 1.05% 3.9 3.8 1.00% 3.7 3.6 0.95% 3.5 3.4 0.90% 3.3 3.2 0.85% 3.1 3.0 0.80% Q3/12 Q4/12 Q1/13 Q2/13 Q3/13 GILS Q4/13 Q1/14 Q2/14 Q3/14 -GILS as % of Loans & BAS (1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico 28 Scotiabank 14

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