Scotiabank Investor Presentation

Scotiabank in Peru Business Overview1 Residential Mortgages Market Position by Loans5 Customers² ~3.4MM Corporate/ Commercial 15% Employees² ~8,900 33.3% Branches² 256 Personal Loans 20.3% Average Loans $21Bn Loans $21.5Bn 21% 16.3% 58% 12.4% Average Deposits $16Bn 4% Total NIAT 1% Credit Cards $383M Other (after NCI)3,4 ROE³,4 13.8% Retail Loans 43% 57% BCP BCP BBVA BBVA Scotiabank Interbank Productivity3,4 39.4% Secured Unsecured PTPP1,6 Productivity Ratio4 Operating Leverage4 1,208 1,200 2019 2020 All figures excluding Wealth Management -10% CAGR 976 875 2021 2022 1 PTPP Current period dollars on CDE and prior periods and CAGR on a constant dollar basis 2 Including subsidiaries 3 FY'22 Results 4 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Fourth Quarter 2022 Report to Shareholders, available on http://www.sedar.com 5 Market share as of September 2022. Scotiabank includes SBP, CSF and Caja CAT 6 Pre-Tax, Pre-Provision Profit defined as revenues less expenses 39.4% 6.2% 38.3% 0.5% 35.5% 35.3% -2.5% -6.3% 2019 2020 2021 2022 2019 2020 2021 2022 32 22

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