Investor Presentaiton

Canadian Residential Mortgages Asset yields on variable rate mortgages reprice with each change to Scotiabank's prime rate in $Bn (Spot Balances) 26% Insured 74% Uninsured Total Portfolio: $294 66% Fixed MORTGAGE PORTFOLIO 1 34% Variable Total Portfolio: $294 Mortgage Portfolio Variable Mortgages Total Outstanding Balance $294 $101 Uninsured Outstanding Balance Average LTV2 $218 $88 51% 59% CANADA UNINSURED MORTGAGE PORTFOLIO 3 FICO Ⓡ DISTRIBUTION - UNINSURED PORTFOLIO 3 Average FICO® Score % of Portfolio Uninsured Canada 801 74% GTA 802 85% GVA 805 86% 7% 5% 2% <620 1 Includes Wealth Management 2 Weighted by mortgage balances and adjusted for property values based on the Teranet - National Bank National Composite House Price Index 3 FICO is a registered trademark of Fair Isaac Corporation 86% 620-680 681-720 >720 24

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