PCL Ratios and Provision for Credit Losses Review

($B) 6 5 4 3 2 1 GROSS IMPAIRED LOANS IAS 39 1, 2 IFRS 9 1.15% 1.10% 1.05% 1.00% 0.95% 0.90% 0.85% 0 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 GILS (LHS) GILS as % of loans & BAS (RHS) 1 Prior to Q1/18, excludes loans acquired under the Federal Deposit Insurance Corporation (FDIC) guarantee related to the acquisition of R-G Premier Bank of Puerto Rico. Effective Q1/18, includes 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® | 31

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