Scotiabank Risk Overview

Q1/20 Q2/20 23.5% Wholesale Funding Utilization WHOLESALE FUNDING / TOTAL ASSETS Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 26.1% 16.9% Q2/21 Q3/21 Q4/21 Q1/22 22.8% 21.3% Q2/22 Q3/22 Q4/22 Q1/23 HIGHLIGHTS Wholesale funding utilization well managed Wholesale funding / total assets remain below pre- pandemic levels MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 44.7% HIGHLIGHTS Suitable concentration of money market funding Prudent utilization of short-term funding 36.4% 35.5% Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 54 54

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