Supplementary Financial Information Q1 2023

Back to Table of Contents Impaired Loans by Type of Borrower January 31, 2023 October 31, 2022 Allowance for Credit Losses Allowance for Credit July 31, 2022 Allowance April 30, 2022 Allowance January 31, 2022 Allowance for Credit for Credit for Credit Losses Losses Losses Losses ($ millions) Gross Stage 3 Net Gross Stage 3 Net Gross Stage 3 Net Gross Stage 3 Net Gross Stage 3 Net Residential mortgages 1,539 428 1,111 1,386 406 980 1,281 375 906 1,273 393 880 1,320 395 925 Personal loans 968 563 405 848 551 297 778 559 219 767 566 201 820 574 246 Credit cards (1) Personal 2,507 991 1,516 2,234 957 1,277 2,059 934 1,125 2,040 959 1,081 2,140 969 1,171 Financial services 1 382 192 60 92 188 24 67 82 81 FNO2053% 22 F F 26 m 11 38 51 7 1 1 190 452 208 72 336 344 71 15 45 98 16 40 52 86 29 9 11 33 19 76 112 181 15 69 85 21 21 18 49 70 12 88 114 26 28 54 23 46 11 71 5 25 56 83 14 61 82 66 90 188 7 229 230 623 1,570 2,224 645 2220100322251 72 18 14 26 16 28 79 ༄ ་་ ཨྰཿ གླ ⊕ a ༄ ༄ ༤ ༅ ལྷ ཤྩ ཀྵུ སྐ © ཧྨ ༄ ཀྵུ 44 34 5 29 1 1 1 468 212 256 273 343 67 276 84 20 64 57 77 22 55 14 38 20 18 201 70 131 89 9 80 19 22 2 20 52 86 27 59 100 165 5 160 55 27 28 56 21 35 2 6 3 3 55 89 35 54 62 86 24 62 109 166 80 86 225 229 5 224 1,579 2,295 654 1,641 Non-bank 126 17 109 142 22 22 120 49 49 Bank 1 1 1 1 Wholesale and retail 487 215 272 484 215 269 Real estate and construction 581 107 474 491 98 393 408 Energy 54 9 45 59 12 47 Transportation 90 36 54 89 38 51 Automotive 19 8 11 18 9 9 Agriculture 235 72 163 196 72 124 Hospitality and leisure 88 16 72 87 15 72 Mining 36 5 31 39 9 30 Metals 67 17 50 70 17 53 Utilities 72 7 65 93 9 84 Health care 53 21 32 53 26 27 Technology and media 38 11 27 37 13 24 Chemicals 79 12 67 88 12 76 Food and beverage 98 29 69 97 30 67 Forest products 80 12 68 79 13 66 Other 161 66 95 182 63 119 Sovereign Business & Government 232 3 229 247 5 242 ྨ སྟྲ ཋ ¢ e ཚ༷ ྂ ° ཅ ཤྩ ཞ ཞ ཚ ཆ ཇ 8 སྐྲ 100 54 34 236 2,597 663 1,934 2,552 678 1,874 2,193 Impaired Loans, Net of Related 5,104 1,654 3,450 Allowances 4,786 1,635 3,151 4,252 1,557 2,695 4,264 1,604 2,660 4,435 1,623 2,812 (1) The Bank writes off credit receivables at 180 days, on transfer from performing loans to impaired. Scotiabank Supplementary Financial Information (SFI) 22

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