Scotiabank Investor Presentation

Automotive Finance • Canada's leader in automotive finance • Provide personal and commercial dealer financing solutions, in partnership with ten leading global automotive manufacturers in Canada • Portfolio increased 5% year-over-year¹. Personal up 3%, Commercial up 34% Exclusive Relationships Commercial 13% Near-Prime 6% Retail AVERAGE ASSET MIX $45.7Bn1,2,3 100% Secured 81% Prime Retail MAZDA VOLVO POLESTAR RIVIAN JAGUAR/LAND ROVER MITSUBISHI Semi-Exclusive Relationships* HYUNDAI CHRYSLER/STELLANTIS TESLA * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Market Share Prime Retail Market Share4 Near-Prime Retail Market Share 5 Commercial Floorplan Market Share6 36% 64% 75% 25% 78% 22% GENERAL MOTORS Asset Growth ($Bn) $44.4Bn $37.1Bn 2016 2017 2018 2019 2020 2021 2022 1 For the three months ended October 31, 2022; 2 May not add due to rounding; 3 Net of allowance for credit losses; 4 CBA data as of April 2022, includes RBC, BMO, TD, Scotiabank, CIBC, National Bank, Laurentian Bank, Canadian Western Bank, HSBC Canada; 5 Dealer Track Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for October 2022 originations; Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of March 2022 27

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