Scotiabank Risk Overview

Canadian Residential Mortgages 73% Uninsured Total Portfolio 1,2 $302Bn 27% Insured Total Portfolio 1,2: $302Bn 63% Fixed 37% Variable FICO® Distribution - Canadian Uninsured Portfolio4 Canadian Mortgage Portfolio Mortgage Portfolio Variable Mortgages Total Outstanding Balance ($Bn) $302 $111 Uninsured Outstanding Balance ($Bn) Average LTV³ $221 $96 52% 60% Canadian Uninsured Mortgage Portfolio Average FICO® 86% Score % of Portfolio Uninsured Canada 800 73% GTA 802 84% GVA 805 84% 1% 5% 8% <620 620-680 681-720 >720 1 Includes Wealth Management 2 Spot Balances at Q1/23 3 Weighted by mortgage balances and adjusted for property values based on the Teranet - National Bank National Composite House Price Index 4 FICO is a registered trademark of Fair Isaac Corporation 23 23

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