Scotiabank Financial Overview Q3/21

Automotive Finance • Canada's leader in automotive finance • Provide personal and commercial dealer financing solutions, in partnership with nine leading global automotive manufacturers in Canada ⚫ Portfolio decreased 2.2% year-over-year¹. Personal up 2.0%, Commercial down 28.8% Commercial 11% Near-Prime 7% Retail AVERAGE ASSET MIX $43.2B1 100% Secured 82% Prime Retail Exclusive Relationships MAZDA VOLVO POLESTAR RIVIAN JAGUAR/LAND ROVER Semi-Exclusive Relationships* HYUNDAI CHRYSLER GENERAL MOTORS TESLA * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Market Share Prime Retail Market Share² Near-Prime Retail Market Share³ Commercial Floorplan Market Share4 35% 65% 70% 30% 73% 27% G Asset Growth $44.4B $43.5B $42.3B $39.7B $37.1B 2016 2017 2018 2019 2020 1 For the three months ended July 31, 2021; 2CBA data as of April 2021, includes RBC, BMO, TD, Scotiabank, CIBC, National Bank, Laurentian Bank, Canadian Western Bank, HSBC Canada; 3 DealerTrack Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for July 2021 originations; 4 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of December 2020 25

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