Why Invest in Scotiabank?

Canadian Retail: Loans and Provisions' MORTGAGES AUTO LOANS 224 216 4 2 1 2 1 1 106 91 99 1 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 99 105 89 78 81 LINES OF CREDIT² Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 CREDIT CARDS 164 169 1,002 896 79 62 70 410 400 322 87 74 65 60 57 445 401 312 321 310 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 PCL as a % of avg. net loans (bps) Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 PCLs on Impaired Loans as a % of avg. net loans (bps) Loan Balances Q2/21 Mortgages Auto Loans Lines of Credit² Credit Cards Total Spot ($B) $257 % Secured 100% $39 100% $32 $6 $3353 64% 2% 94%4 1 Includes Wealth Management. PCL excludes impact of additional pessimistic scenario 2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit 3 Includes Tangerine balances of $6 billion and other smaller portfolios 4 82% secured by real estate; 12% secured by automotive 44

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