Why Invest in Scotiabank?

Scotiabank in Chile Business Overview Market Position by Loans4 Residential Mortgages 18.5% 17.0% 38% 13.9% 13.8% 45% Loans $47.0B 9.5% Customers¹ ~2.8MM Corporate/ Commercial Employees ~7,900 Branches1 131 Average Loans $47B Average $24B Deposits 0%5% 12% Total NIAT 2,5 $444MM Auto Credit Cards ROE³ 7.8% Retail Loans 80% Productivity³ 43.9% Secured PTPP Earnings 789 535 Personal Loans 20% Unsecured 急 TR ५ Itaú Santander Chile BCI Scotiabank Itaú Productivity Ratio +30% CAGR 49.5% 1,202 1,185 2017 Constant currency 2018 All figures in CAD$ including Wealth Management 1 Includes affiliates & consumer microfinance 2 LTM Q2/21 3 Adjusted as Reported 2019 2020 4 Market share as of March 2021, includes only private banks, Source: CMF 5 Adjusted after NCI Operating Leverage 13.3% 8.5% 44.7% 43.3% 43.4% 4.3% 0.0% 2017 2018 2019 2020 2017 2018 2019 2020 29 29

View entire presentation