Canadian Retail: Loans and Provisions Financial Overview

Scotiabank in Mexico Business Overview Market Position by Loans4 14.6% 13.4% 11.7% 7.7% 7.2% 4.2% 3.5% 2.0% Customers ~3.8MM Corporate/ 23.2% Commercial Employees ~10,700 60% Branches1 531 Loans $30.9B Average Loans $31B 28% Average $28B Deposits 2% 5% 6% Residential Mortg. Total NIAT 2,5 $345MM Credit Cards Auto Personal Loans ROE³ 10.2% Retail 83% 17% BBVA B BANORTE Loans Productivity³ 54.4% Secured Unsecured PTPP 924 738 2017 2018 +14% CAGR citibanamex 8 banregio BBVA Banorte Santander Banamex Scotiabank HSBC Inbursa Bajio Regio Productivity Ratio 58.6% 978 1,087 2019 2020 Constant currency All figures in CAD$ including Wealth Management 1 Includes bank and wealth branches; does not include 177 Credito Familiar branches 2,3 WY'2020 Adjusted as Reported 4 Source: CNBV as of September 2020 5 Adjusted after NCI 55.4% 55.0% 54.4% Operating Leverage 7.5% 6.9% 1.9% -0.9% 2017 2018 2019 2020 2017 2018 2019 2020 29 29

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