Why Invest in Scotiabank?

Scotiabank in Peru Business Overview Residential Mortgages Market Position by Loans4 Customers¹ ~4.2MM Corporate/ Commercial 13% 33.0% Employees¹ ~10,700 Personal Loans Branches1 294 21.4% Average Loans $20B Loans $20.4B 21% 16.5% 12.6% 58% Average $16B 5% Deposits Credit Cards 3% 0% Other Total NIAT 2,5 $277MM Auto BCP ROE³ Productivity³ 8.5% 35.1% Retail 40% 60% BCP BBVA BBVA Scotia Interbank Loans Secured Unsecured PTPP Earnings Productivity Ratio Operating Leverage +9% CAGR 39.3% 1,508 1,498 1,279 1,157 2017 Constant currency 2018 All figures in CAD$ including Wealth Management 1 Including subsidiaries 2 LTM Q2/21 2019 2020 3 Adjusted as Reported 4 Market share as of March 2021. Scotiabank includes SBP, CSF and Caja CAT 5 Adjusted after NCI 37.5% 35.1% 1.8% 35.2% 6.8% 5.0% 0.3% 2017 2018 2019 2020 2017 2018 2019 2020 28

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