Canadian Retail: Loans and Provisions Financial Overview

Scotiabank in Peru Business Overview Market Position by Loans4 Customers¹ ~4.5MM Corporate/ Commercial 33.1% Employees¹ ~11,100 57% Branches1 311 12% Residential Mortg. Loans $22.4B Average Loans $22B 20.5% 16.5% 12.3% 19% Average 0% $19B Deposits Auto 2% 9% Other Personal Loans Total NIAT 2,5 $391MM Credit Cards ROE³ 11.4% Retail 36% 64% BCP BCP BBVA BBVA Scotia Interbank Loans Productivity³ 35.1% Secured Unsecured PTPP Productivity Ratio Operating Leverage +9% CAGR 39.3% 1,508 1,498 1,279 1,157 2017 2018 2019 2020 Constant currency All figures in CAD$ including Wealth Management 1 Including subsidiaries 2,3 WY'2020 Adjusted as Reported 4 Market share as of September 2020. Scotiabank includes SBP, CSF and Caja CAT 5 Adjusted after NCI 37.5% 35.1% 1.8% 35.2% 6.8% 5.0% 0.3% 2017 2018 2019 2020 2017 2018 2019 2020 30

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