Scotiabank ESG and Financial Performance Update

Global Registered Covered Bond Program' LOAN-TO-VALUE RATIOS2 CREDIT SCORES 3 42% 75% 28% 21% 14% 4% 7% 5% <1% 1% 3% 0-20% 20-40% 40-60% 60-80% 80+% <599 600-650 651-700 701-750 751-800 800+ REMAINING TERM DISTRIBUTION (MONTHS) 7.6% Alberta 0.1% Territories 1.6% Saskatchewan PROVINCIAL DISTRIBUTION 26% 20% 18% $81Bn 14% 12% 9% 4.8% Quebec 0.2% <12 12-23.99 24-35.99 36-41.99 42-47.99 48+ P.E.I. 59.3% Ontario 22.4% British Columbia 0.9% Manitoba 0.7% New Brunswick 0.9% Newfoundland 1.5% Nova Scotia 1 As at April 30, 2023. Distribution presented is based on Principal Balance. Charts may not add due to rounding; 2 Uses indexation methodology as outlined in Footnote 1 on page 3 of the Scotiabank Global Registered Covered Bond Monthly Investor Report; 3 Excludes unavailable credit scores 81

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