Scotiabank Risk Overview

Automotive Finance • Canada's leader in automotive finance • Provide personal and commercial dealer financing solutions, in partnership with ten leading global automotive manufacturers in Canada ⚫ Portfolio increased 8% year-over-year¹. Personal up 4%, Commercial up 55% Exclusive Relationships Commercial 13% Near-Prime Retail 6% AVERAGE ASSET MIX $46.9Bn1,2,3 81% Prime 100% Secured Retail MAZDA VOLVO POLESTAR RIVIAN JAGUAR/LAND ROVER MITSUBISHI Semi-Exclusive Relationships* HYUNDAI TESLA CHRYSLER/STELLANTIS * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Market Share Prime Retail Market Share4 Near-Prime Retail Market Share 5 Commercial Floorplan Market Share6 36% 64% 78% 22% 78% 22% GENERAL MOTORS Asset Growth ($Bn) $44.4Bn $37.1Bn 2016 2017 2018 2019 2020 2021 2022 1 For the three months ended January 31, 2023; 2 May not add due to rounding; 3 Net of allowance for credit losses; 4 CBA data as of July 2022, includes RBC, BMO, TD, Scotiabank, CIBC, National Bank, Laurentian Bank, Canadian Western Bank, HSBC Canada; 5 Dealer Track Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for January 2023 originations; 6 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of June 2022 25

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