Scotiabank Investor Presentation

Canadian Retail: Loans and Provisions' 1 1 1 1 0 0 MORTGAGES AUTO LOANS 91 99 39 37 41 39 50 50 89 78 4 35 45 31 (6) (4) (5) Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 LINES OF CREDIT³ Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 CREDIT CARDS6 2016 62 70 33 41 36 48 51 48 48 45 60 57 32 28 (8) (6) 10 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 PCL as a % of avg. net loans (bps)² Loan Balances Q4/22 Spot ($Bn)4 % Secured 1 Includes Wealth Management Mortgages $302 100% पापा 410 380 322 288 244 267 268 234 321 310 204 241 116 (84) (55) (59) Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 PCLs on Impaired Loans as a % of avg. net loans (bps)² Auto Loans Lines of Credit³ $41 100% $34 65% Credit Cards $7 2% Total $387 95%5 2 Refer to page 133 of the Management's Discussion & Analysis in the Bank's 2022 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 3 Includes Home Equity Lines of Credit and Unsecured Lines of Credit 4 Includes Tangerine balances of $11 billion and other smaller portfolios 5 84% secured by real estate; 11% secured by automotive 6 Excluding one-time impact of fully provisioned write-offs, Q3/22 PCL ratio on impaired loans is 280 bps 49

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