Canadian Banking and Residential Mortgages Overview

Scotiabank in Chile Business Overview1 Customers² ~2.9MM Corporate/ Commercial Employees² Branches² ~7,800 117 Average Loans Residential Mortgages 38% 46% Loans $46.1Bn $46Bn Average Deposits $21Bn 11% Total NIAT (after NCI)³ 5% Personal Loans $671MM Credit Cards ROE³,4 12.5% Retail Loans 80% Productivity3,4 42.4% Secured 20% Unsecured PTPP1,6 Market Position by Loans4 18.0% 16.9% 14.3% 13.9% 9.6% Itaú Santander Chile Scotiabank BCI Itaú Productivity Ratio4,7 Operating Leverage4,7 13.3% +20% CAGR 49.8% 48.2% 1,230 46.5% 1,093 7.0% 1,113 710 43.4% 4.3% 4.6% 3.0% 3.0% 44.7% 43.4% 4.3% 43.3% 42.1% 0.0% 2018 2019 2020 2021 2018 2019 2020 2021 2018 2019 2020 2021 All figures including Wealth Management Reported - Adjusted 1 On a constant dollar basis; 2 Including subsidiaries; 3LTM Q1/22; 4 Refer to page 48 of the Management's Discussion & Analysis in the Bank's First Quarter 2022 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 5 Market share as of December 2021, includes only private banks. Scotiabank includes Cencosud, Source: CMF; 6 Pre-Tax, Pre-Provision Profit defined as revenues less expenses; 7 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's First Quarter 2022 Report to Shareholders, available on http://www.sedar.com 31

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