Americas Wholesale and Retail Banking Overview

Scotiabank in Chile Business Overview Market Position by Loans4 Residential Mortgages 18.5% 17.0% 13.9% 13.8% 9.5% Customers¹ ~2.8MM Corporate/ Commercial Employees ~7,900 Branches1 131 Average Loans 38% 45% Loans $46.1B $46B Average $23B 0% Deposits 12% 5% Personal Loans Total NIAT 2,5 $549MM Auto Credit Cards ROE³ 10.0% Retail 80% 20% Loans Productivity³ 43.3% Secured Unsecured PTPP 789 535 2017 2018 +30% CAGR 急 X Itaú Santander Chile Scotiabank BCI Itaú Productivity Ratio 49.5% 1,202 1,185 2019 2020 Constant currency All figures in CAD$ including Wealth Management 1 Includes affiliates & consumer microfinance 2 LTM Q3/21 3 Adjusted as Reported 4 Market share as of June 2021, includes only private banks, Source: CMF 5 Adjusted after NCI Operating Leverage 13.3% 8.5% 44.7% 43.3% 43.4% 4.3% 0.0% 2017 2018 2019 2020 2017 2018 2019 2020 31

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