Scotiabank Investor Presentation

Loan Portfolio 84% Real Estate Secured Lending High Quality Residential Mortgage Portfolio 。 28% insured; remaining 72% uninsured has an LTV of 49%1 。 Mortgage business model is “originate to hold" 。 New originations² in 2022 had average uninsured LTV of 63% o Majority is freehold properties; condominiums represent approximately 16% of the portfolio Market Leader in Auto Loans o $40.1 billion retail auto loan portfolio with 10 OEM relationships (6 exclusive) o Prime Auto and Leases (~93%) 。 Stable lending tenor with contractual terms for new originations averaging 79 months (~6.5 years) with projected effective terms of 54 months (4.5 years) Prudent Growth in Credit Cards o $7 billion 5 credit card portfolio represents ~2% of domestic retail loan book and ~1% of the Bank's total loan book o Organic growth strategy focused on payments and deepening relationships with existing customers 4% Unsecured DOMESTIC RETAIL LOAN BOOK³ $387Bn 2% Credit Cards • • 1 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data 2 New originations defined as newly originated uninsured residential mortgages and equity lines of credit, which include mortgages for purchases, refinances with a request for additional funds and transfer from other financial institutions 3 Spot Balance as of October 31, 2022; Percentages may not add to 100% due to rounding 4 Net of allowance for credit losses 5 Spot balance for October 31, 2022 11% Automotive 24 24

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