Scotiabank Investor Presentation

Scotiabank in Chile Business Overview1 Market Position by Loans5 Customers² ~2.7MM Corporate/ Commercial Employees² ~7,400 Branches² 109 Average Loans Residential Mortgages 17.6% 16.3% 15.0% 13.7% 38% 46% Loans $48.1Bn 9.8% $48Bn Average Deposits $21Bn 10% Total NIAT (after NCI)3,4 6% Personal Loans $843MM Credit Cards ROE³,4 14.4% Retail Loans 80% 20% Itaú Santander Chile Scotiabank BCI Itaú Productivity3,4 40.4% Secured Unsecured 958 1,012 2019 2020 PTPP1,6 +9% CAGR Productivity Ratio4 Operating Leverage4 48.2% 1,259 46.6% 43.5% 1,079 40.4% 4.5% 3.0% 2021 2022 All figures excluding Wealth Management 1 PTPP Current period dollars on CDE and prior periods and CAGR on a constant dollar basis 2 Including subsidiaries 3 FY'22 Results 7.0% 7.0% 2019 2020 2021 2022 2019 2020 2021 2022 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, includes only private banks. Scotiabank includes Cencosud, Source: CMF 6 Pre-Tax, Pre-Provision Profit defined as revenues less expenses 33

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