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Scotiabank Investor Presentation

Global Registered Covered Bond Program¹ Portfolio Summary Statistics 10% LOAN-TO-VALUE RATIOS² 50% 33% CREDIT SCORES³ 64% 5% <1% <1% 2% 17% 7% 11% 0-20% 20-40% 40-60% 60-80% 80+% <599 600-650 651-700 701-750 751-800 800+ REMAINING TERM DISTRIBUTION (MONTHS) 29% 20% 17% 9.3% Alberta 0.2% Territories 2.0% Saskatchewan 14% 1.9% 11% 9% Quebec <12 12-23.99 24-35.99 36-41.99 42-47.99 48+ 0.2% P.E.I. PROVINCIAL DISTRIBUTION 1 As at October 31, 2022. Charts may not add due to rounding 2 Uses indexation methodology as outlined in Footnote 1 on page 3 of the Scotiabank Global Registered Covered Bond Monthly Investor Report 3 Excludes unavailable credit scores 1.2% 22.1% British Columbia 59.3% Manitoba 1.7% 0.8% New Brunswick 1.3% Newfoundland Nova Scotia Ontario 80
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