Scotiabank Investor Presentation

Canadian Residential Mortgages High quality stable portfolio. Credit trends performing strongly 72% Uninsured Total Portfolio 1,2 $302Bn 28% Insured Total Portfolio 1,2 63% Fixed $302Bn 37% Variable FICO® Distribution - Canadian Uninsured Portfolio4 86% 1% 5% 8% <620 620-680 681-720 >720 Canadian Mortgage Portfolio Mortgage Variable Portfolio Mortgages Total Outstanding Balance $302Bn $112Bn Uninsured Outstanding Balance Average LTV³ $219Bn $97Bn 49% 57% Canadian Uninsured Mortgage Portfolio Average FICO® Score % of Portfolio Uninsured Canada 799 72% GTA 802 84% GVA 804 84% 1 Includes Wealth Management 2 Spot Balances at Q4/22 3 Weighted by mortgage balances and adjusted for property values based on the Teranet - National Bank National Composite House Price Index 4 FICO is a registered trademark of Fair Isaac Corporation 25 25

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