International Banking Volume Growth and Sector Highlights

($MM) NET FORMATIONS OF IMPAIRED LOANS1 1200 1000 800 600 400 200 Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 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. Scotiabank® | 29

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