Scotiabank ESG and Financial Performance Update

Risk Snapshot RWA BREAKDOWN 1,2 CREDIT EXPOSURE BY COUNTRY 3,4 ■Canada ■ U.S. • BUSINESS AND GOVERNMENT EXPOSURE BY SECTOR 1, 3, 5 Breakdown of Business and Government loans as a percentage of total loans and acceptances4 67% 2% ■ Credit Risk ■ Chile Real Estate and Construction 8.5% 3% 85% ■ Operational Risk 3% $451Bn 3% $770Bn ■ Other International Wholesale and Retail 4.5% 11% ■Market Risk 5% ■Mexico Financial Services 4.2% ■Floor Adjustment 5% 7% ■C&CA Utilities 3.8% 9% ■ Peru Technology and Media 3.4% ■ Colombia Other 3.0% Agriculture 2.3% Canadian Banking 1,2 PERSONAL & COMMERCIAL LENDING International Banking 1,2 Automotive 2.2% Food and Beverage 1.6% Transportation 1.3% Energy 1.2% Health Care 1.0% 73% 5% ■ Secured ■ Secured Sovereign 0.9% $386Bn $82Bn 95% ■ Unsecured ■ Unsecured Mining 0.8% 27% Hospitality and Leisure 0.5% Metals 0.3% Forest Products 0.3% Chemicals | 0.3% 1 As at April 30, 2023; 2 May not add due to rounding; 3% of total loans and acceptances; 3 As at October 31, 2022; 5 See page 18 of the Q2 2023 Financial Supplementary Package 45 45

View entire presentation