Energy Portfolio and Canadian Mortgage Overview

Scotiabank in Mexico As presented in 2020 Investor Day Footprint Customers Employees Branches1 Market Position by Loans4 22.9% ~3.5 million ~12,900 ~592 Balance and Market Position Loan Market Average Average Loans Share4 Deposits 7.5% $30 $25 billion billion 13.7% 13.2% 12.2% 7.7% 7.5% 4.8% 3.4% 2.0% Financial Total NIAT 2,5 ROE² Performance Productivity² BBVA B BANORTE 8 banregio $579 19.6% 55.4% BBVA Banorte Santander Citi HSBC Scotiabank Inbursa Bajio Regio million NIAT5 Productivity Ratio Operating Leverage +20% CAGR 63.0 % 666 579 465 337 2016 2017 2018 All figures in CAD$ Constant currency 1 Includes bank and wealth branches; does not include 177 Credito Familiar branches 2 Adjusted; WY 2019 3 WY 2019 including goodwill 4 Source: CNBV as of November 2019 5 After NCI on an adjusted basis 2019 58.6% 55.4% 55.0% 1.5% 7.5% 6.9% -0.9% 2016 2017 2018 2019 2016 2017 2018 2019 37

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