Scotiabank Financial Overview Q3/21

Risk Snapshot RWA Breakdown¹ Credit Exposure by Country 2,3 Credit Exposure by Sector 1,2 ■ Credit Risk 66% ■Canada ■ Chile ■ U.S. Real Estate and Construction Financial Services 6.7% 4.4% 2% Wholesale and Retail 4.0% 4% $414B 86% ■ Operational Risk $615B1 12% 4% 5% ■ Other International ■Mexico Other 2.9% Utilities 2.6% ■Market Risk 5% ■ C&CA Agriculture 2.5% 7% 7% ■ Peru Technology and Media 2.4% ■ Colombia Energy 1.7% Canadian Banking 1,2 Personal & Commercial Lending International Banking1,2 Automotive 1.6% Food and Beverage 1.5% Transportation 1.4% Health Care 0.9% Sovereign 0.8% ■ Secured 71% ■ Secured Hospitality and Leisure 0.7% 6% $349B $63B Mining 0.8% 94% Metals 0.4% ■ Unsecured 29% ■ Unsecured Forest Products Chemicals 0.2% 0.3% 1 As at July 31, 2021 2% of total loans and acceptances 3 As at October 31, 2020 42 42

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