Scotiabank Risk Overview
Leading Bank in the Americas
Core markets: Canada, US, Mexico, Peru, Chile and Colombia
7th largest bank by assets¹ in the Americas
Scotiabank
Q1/23
Change
Y/Y
Reported Adjusted 4 Reported Adjusted
Medium Term Financial
Objectives
Net Income ($Bn)
$1.8
$2.4
(35%)
(14%)
EPS
$1.36
$1.85
(36%)
(14%)
All-Bank
Objectives
Revenue ($Bn)
$8.0
(1%)
(1%)
EPS
7%+
Return on Equity²
9.9%
13.4%
(590 bps) (250 bps)
Growth
Operating
(6.6%)
(6.7%)
ROE²
14%+
n.a.
Leverage²
Productivity Ratio²
55.9%
55.7%
340 bps 350 bps
Operating
Positive
Leverage
Total Assets ($T)
$1.37
10%
Capital³
Strong Levels
CET1 Ratio³
11.5%
(50 bps)
Ranking by Market Share5
Earnings by C&CA
Market7
Canada
#3
USMCA
USA6
Top 10 FBO
Mexico
#5
Pacific
Peru
#3
Alliance
Countries Chile
#3
(PAC) Colombia
#6
U.S.A 12%
Other
9%
33%
PAC
4%
42% Canada
1 Ranking by asset as at February 17, 2023, Bloomberg; 2 Refer to page 50 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an
explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 3 This measure has been disclosed in this document in accordance with OSFI Guideline - Capital Adequacy
Requirements (November 2018); 4 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com;
5 Ranking based on market share in loans as of December 2022; except Colombia and Canada as of October 2022 and Mexico as of November 2022; 6 Ranking by asset as of Sept 2022; 7Net income attributable to equity
holders of the Bank for the 3 months ended January 31, 2023View entire presentation