Digital Banking Strength and Strategic Funding

Scotiabank in Chile Including all Business Segments Footprint Customers¹ Market Position by Loans4 Employees Branches1 >3 million ~9,000 18.6% 162 16.3% 14.3% 14.0% 14.0% Balance and Market Position Loan Market Average Loans Average 9.8% Share4 Deposits 14.0% $44 $23 billion billion Financial Total NIAT 2,5 ROE 3 Productivity³ Performance B Itaú $367 6.2% 43.2% Santander Chile BCI Scotiabank Estado Itaú million NIAT5 Productivity Ratio Operating Leverage 381 339 +28% 53.6% CAGR 718 515 2016 2017 2018 2019 All figures in CAD$ Constant currency 1 Includes affiliates & consumer microfinance 2 Adjusted; for the LTM ended July 31, 2020 not adjusted for currency 3 Adjusted; for the LTM ended July 31, 2020 4 Market share as of June 2020. Local view, exclude offshore loans. Source: CMF 5 NIAT Before NCI 49.5% 44.7% 43.4% -2.3% 13.3% 8.5% 4.3% 2016 2017 2018 2019 2016 2017 2018 2019 30

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