Why Invest in Scotiabank?

Residential Mortgages ⚫ Four Distinct Distribution Channels¹: 1. Broker (~58%); 2. Branch (~20%); 3. Mobile Salesforce (~22%) and 4. eHOME (~1%) FICO® Distribution - Canadian Uninsured Portfolio 2,3 Q2-20 Q1-21 Q2-21 65% Canada Average FICO Score Canada 795 GTA 798 Total Originations ($B) Uninsured LTV 10.5 16.1 16.9 64% 64% 64% GVA 795 15% 8% 10% 2% < 635 636-706 707-747 748-788 > 788 Greater Toronto Area Total Originations ($B) Uninsured LTV Greater Vancouver Area Total Originations ($B) Uninsured LTV 3.3 5.2 5.0 62% 63% 63% 1.4 1.9 2.1 62% 62% 63% Canadian Mortgage Portfolio: $257B (Spot balances as at Q2/21, $B) $137.2 $17.9 Freehold $214B (85%) Condos - $36B (15%) 35% Insured $119.3 $49.4 $13.0 $31.8 Total Portfolio4: $257 billion $3.8 $36.4 $28.0 Ontario BC & Territories Alberta $17.5 $15.2 Quebec $2.3 $11.2 $11.0 $0.2 $10.0 $0.7 $9.3 Atlantic Provinces Manitoba & Saskatchewan % of portfolio 53.4% 19.2% 12.3% 6.8% 4.4% 3.9% 65% Uninsured 1 Sum of the parts might not add to 100% due to rounding 2 FICO® distribution for Canadian uninsured portfolio based on score ranges at origination. FICO is a registered trademark of Fair Isaac Corporation 3 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data 4 Includes Wealth Management 22 22

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