Investor Presentaiton

($MM) NET FORMATIONS OF IMPAIRED LOANS1, 2 1200 1000 800 600 400 200 IAS 39 IFRS 9 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 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 2 2018 amounts are based on IFRS 9. Prior period amounts were based on IAS 39 Scotiabank® | 28

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