Scotiabank Financial Overview Q3/21

Residential Mortgages ⚫ Four Distinct Distribution Channels¹: 1. Broker (~63%); 2. Branch (~16%); 3. Mobile Salesforce (~21%) and 4. eHOME (<1%) FICO® Distribution - Canadian Uninsured Portfolio 2,3 Q3-20 Q2-21 Q3-21 65% Canada Average FICO® Score Canada 795 GTA 798 Total Originations ($B) Uninsured LTV 13.0 16.9 26.6 64% 64% 65% GVA 795 748-788 > 788 15% 10% 8% 2% < 635 636 - 706 707-747 Canadian Mortgage Portfolio: $270B (Spot balances as at Q3/21, $B) 33% Insured Freehold $230B (85%) Condos - $40B (15%) Greater Toronto Area Total Originations ($B) Uninsured LTV Greater Vancouver Area Total Originations ($B) Uninsured LTV 3.7 5.0 7.8 62% 63% 64% 1.5 2.1 3.3 63% 63% 64% $145.5 $19.1 $52.4 $126.4 $32.4 Total Portfolio4: $14.0 $3.8 $38.4 $28.6 Ontario BC & Territories Alberta $18.5 $16.0 Quebec $11.4 $2.5 $11.2 $10.2 $0.2 $0.7 $270 billion $9.5 Atlantic Provinces Manitoba & Saskatchewan % of 53.8% 19.4% 12.0% 6.8% 4.2% 3.8% portfolio 1 Sum of the parts might not add to 100% due to rounding 2 FICO® distribution for Canadian uninsured portfolio based on score ranges at origination. FICO is a registered trademark of Fair Isaac Corporation 3 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data 4 Includes Wealth Management 67% Uninsured 24

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