Investor Presentaiton

1 Net Formations of Impaired Loans ($ millions) 800 816 771 700 647 600 477 598 477 495 500 400 408 295 300 200 100 0 Q3/13 Q4/13 Q1/14 Q2/14 Q3/14 Q4/14 Q1/15 Q2/15 Q3/15 (1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico 28 28 Scotiabank®

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