Why Invest in Scotiabank?

Risk Snapshot RWA Breakdown¹ Credit Exposure by Country2,3 Credit Exposure by Sector 1,2,4 ■Canada Real Estate and Construction 6.4% ■ Chile ■ Credit Risk 66% ■ U.S. 2% Financial Services Wholesale and Retail 4.2% 3.9% 4% 12% $404B 86% 56 ■ Operational Risk $615B1 4% 5% ■ Other International ■Mexico Other 2.9% Utilities 2.6% ■Market Risk 5% ■ C&CA Technology and Media 2.5% 7% 7% ■ Peru Agriculture 2.4% ■ Colombia Automotive 1.9% Canadian Banking 1,2 Personal & Commercial Lending International Banking1,2 Energy 1.8% Food and Beverage 1.7% Transportation 1.4% Health Care 0.9% Mining 0.8% ■ Secured 70% ■ Secured 6% $328B $66B 94% ■ Unsecured 30% Sovereign 0.8% Hospitality and Leisure 0.7% ■ Unsecured Metals 0.4% Forest Products Chemicals 0.3% 0.2% 2% of total loans and acceptances 3 As at October 31, 2020 4 Regulated/contracted midstream has been moved from Energy to Utilities as of Q1/21. Prior periods have been restated to conform to the current presentation 1 As at April 30, 2021 40 40

View entire presentation