Embracing Fintech

Scotiabank in Peru Business Overview1 Residential Mortgages Customers² Market Position by Loans5 ~3.3MM Corporate/ Commercial 15% Employees² ~8,900 33.5% Branches² 256 Personal Loans 24.2% Average Loans $21B Loans $21.2B 21% 16.7% 59% 12.2% Average Deposits $16B 2% 4% Credit Cards Total NIAT $289M Other (after NCI)3,4 ROE 3,4 14.0% Retail Loans 42% 58% BCP BCP BBVA BBVA Scotiabank Interbank Productivity3,4 38.4% Secured Unsecured PTPP1,6 Productivity Ratio4 Operating Leverage4 -2% CAGR 38.3% 6.2% 4.8% 1,401 1,388 37.5% 1,165 969 2018 2019 2020 2021 All figures excluding Wealth Management 1 PTPP as reported, CAGR on a constant dollar basis 2 Including subsidiaries 3 FYTD'22 Results 4 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2022 Report to Shareholders, available on http://www.sedar.com 5 Market share as of June 2022. Scotiabank includes SBP, CSF and Caja CAT 6 Pre-Tax, Pre-Provision Profit defined as revenues less expenses 35.5% 35.3% 0.5% -6.4% 2018 2019 2020 2021 2018 2019 2020 2021 31

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