Embracing Fintech

Scotiabank in Mexico Business Overview1 Customers² ~3.1MM Corporate/ Commercial Residential Mortgages 24.2% Market Position by Loans5 Employees² ~9,000 31% Branches² 474 Average Loans $34B Loans $34.1B 59% Average Deposits $32B 4% 5% Personal Loans 14.8% 13.5% 9.9% 7.9% 7.0% Total NIAT (after NCI)3,4 2% Auto $542MM Credit Cards ROE3,4 21.9% Retail Loans 88% 12% BBVA 8 citibanamex BANORTE Productivity3,4 Secured 48.9% Unsecured BBVA Banorte Santander Banamex Scotiabank HSBC PTPP1,6 Productivity Ratio4 Operating Leverage4 965 905 +9% CAGR 55.7% 55.1% 6.9% 1,096 55.0% 989 2018 2019 2020 2021 All figures excluding Wealth Management 1 PTPP as reported, CAGR on a constant dollar basis 2 Including subsidiaries 3 FYTD'22 Results 4 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2022 Report to Shareholders, available on http://www.sedar.com 5 Source: CNBV as of June 2022 6 Pre-Tax, Pre-Provision Profit defined as revenues less expenses 1.3% -1.2% 8.9% 50.0% 2018 2019 2020 2021 2018 2019 2020 2021 30

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