Scotiabank Risk Overview

Risk Snapshot RWA Breakdown¹ Credit Exposure by Country 2,3 ■Canada ■ U.S. Credit Exposure by Sector 1,2,4 Real Estate and Construction 8.1% ■Credit Risk 67% 2% ■ Chile 3% 11% $472Bn 87% ■ Operational Risk 3% $770Bn³ Other International Financial Services Wholesale and Retail Utilities 4.8% 4.4% 3.8% 5% ■ Mexico Technology and Media 3.3% 5% ■ Market Risk ■ C&CA 7% Other 2.9% 9% ■ Peru Agriculture 2.4% ■ Colombia Automotive 2.0% Canadian Banking1,2 Personal & Commercial Lending International Banking1,2 Food and Beverage 1.6% Transportation 1.3% Energy 1.2% Health Care 1.0% Sovereign 0.9% ■ Secured 73% ■ Secured Mining 0.8% 5% $387Bn $79Bn Hospitality and Leisure 0.5% 95% Metals 0.3% ■ Unsecured 27% ■ Unsecured 1 As at January 31, 2023 2% of total loans and acceptances 3 As at October 31, 2022 4 Business and government loans as a percentage of total loans and acceptances. See page 18 of the Q1 2023 Financial Supplementary Package Forest Products 0.3% Chemicals 0.3% 43

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