Scotiabank Financial Overview Q3/21

0.50% 0.40% 0.30% 0.19% 0.20% 0.10% 0.00% 2007 3.00% 2.50% 2.00% 1.50% 1.00% 0.44% 0.50% 0.25% 0.00% 2007 2008 2009 0.90% 1.00% 2010 2010 2011 2008 2009 0.80% 0.60% 0.40% 0.20% 0.12% 0.00% 0.24% 2007 2008 2009 2010 0.23% 0.37% 0.35% 0.28% 2010 -Average (2007 - Q3/21) 1 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures 2012 2013 2013 2011 0.59% Historical PCL Ratios on Impaired Loans ALL BANK¹ 0.56% 0.50% 0.47% 0.49% 0.49% 0.45% 0.34% 0.36% 0.40% 0.42% 0.43% 0.32% 2013 2013 CANADIAN BANKING' 0.28% 0.29% 0.23% 0.23% 0.23% 0.24% 0.18% INTERNATIONAL BANKING¹ 2017 1.27% 1.24% 1.26% 1.21% 1.29% 1.30% 0.86% 0.75% 0.75% 2014 Q1/21 2018 1.49% 1.50% Q2/21 Q3/21 45 45 0.29% Q1/21 2019 0.32% 2020 Q1/21 Q2/21 0.23% 0.27% 0.14% Avg: 26 bps Q2/21 2.81% 2.08% Avg: 120 bps Q3/21 Q3/21 0.80% 0.53% Avg: 44 bps

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