Scotiabank Business Overview and Economic Outlook

Scotiabank in Chile Business Overview Market Position by Loans4 Customers¹ ~2.8MM Corporate/ Commercial 46% Employees ~7,900 Branches1 131 Average Loans $47B 0% Auto 5% Loans $46.7B 37% Residential Mortgages 18.7% 16.8% 14.0% 13.8% 9.6% Average $24B Deposits Credit Cards 12% Total NIAT 2,5 $377MM Personal Loans ROE³ 6.5% Retail 79% 21% 急 & Itaú Loans Productivity³ 43.4% Secured Unsecured Santander Chile BCI Scotiabank Itaú PTPP Productivity Ratio Operating Leverage 789 535 +30% CAGR 49.5% 1,202 1,185 2017 Constant currency 2018 All figures in CAD$ including Wealth Management 1 Includes affiliates & consumer microfinance 2 LTM Q1/21 3 Adjusted as Reported 2019 2020 4 Market share as of December 2020, includes only private banks, Source: CMF 5 Adjusted before NCI 13.3% 8.5% 44.7% 43.3% 43.4% 4.3% 0.0% 2017 2018 2019 2020 2017 2018 2019 2020 29 29

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