Scotiabank Investor Presentation

International Retail: Loans and Provisions MEXICO CHILE CARIBBEAN AND CENTRAL AMERICA 428 Markets with Greater 329 243 326 300 173 81 129 Weighting to 138 111 103 70 106 261 212 237 70 62 64 51 67 65 139 154 133 248 205 204 216 195 Secured 179 93 122 102 98 54 67 58 120 72 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 31 39 46 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 170 45 133 124 108 115 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 PERU COLOMBIA Markets with 2,436 1,588 1,338 Greater Weighting to 1,152 1,194 Unsecured 760 361 1,065 364 353 307 318 726 385 A 352 309 329 492 389 636 534 245 287 289 304 317 346 211 274 203 264 256 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 PCL as a % of avg. net loans (bps)1 PCLs on Impaired Loans as a % of avg. net loans (bps)1 Loan Balances Q4/22 Mexico Peru Chile Colombia Spot ($Bn) % Secured $16 89% $10 43% $27 80% $5 37% Caribbean & CA Total² $13 $72 76% 72% 1 Refer to page 133 of the Management's Discussion & Analysis in the Bank's 2022 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 2 Total includes other smaller portfolios 50

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