International Retail Loans and Provisions

1 Net Formations of Impaired Loans ($ millions) 800 700 600 500 400 300 200 100 0 Scotiabank® Q4/13 Q1/14 Q2/14 Q3/14 Q4/14 Q1/15 Q2/15 Q3/15 Q4/15 Net Formations -Average (1) Excludes loans acquired under the Federal Deposit Insurance Corporation (FDIC) guarantee related to the acquisition of R-G Premier Bank of Puerto Rico. 29 29

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