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Global Wealth Management Update

Global Registered Covered Bond Program¹ Portfolio Summary Statistics LOAN-TO-VALUE RATIOS² CREDIT SCORES³ 41% 32% 19% 75% 14% 6% <2% 7% <1% 1% 3% 0-20% 20-40% 40-60% 60-80% 80+% <599 600-650 651-700 701-750 751-800 800+ REMAINING TERM DISTRIBUTION (MONTHS) 7.6% Alberta 0.1% Territories 1.6% Saskatchewan PROVINCIAL DISTRIBUTION 23% 18% 16% 16% 14% 12% 4.8% Quebec <12 12-23.99 24-35.99 36-41.99 42-47.99 48+ 0.2% P.E.I. 59.3% Ontario 1 As at January 31, 2023. Charts may not add due to rounding 2 Uses indexation methodology as outlined in Footnote 1 on page 3 of the Scotiabank Global Registered Covered Bond Monthly Investor Report 3 Excludes unavailable credit scores 0.9% Manitoba 22.4% British Columbia 1.5% 0.7% New Brunswick 0.9% Newfoundland Nova Scotia 79
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