Scotiabank Risk Overview

Highlights Strong liquidity, stable funding • Strong liquidity well in excess of regulatory requirements o LCR1 of 122%, up 3% Q/Q and down 1% Y/Y o HQLA of $230Bn, up $17Bn Q/Q and up $25Bn Y/Y, is substantially comprised of Level 1 assets o Pacific Alliance countries LCRs of 129% - 176% Stability of funding reflected in NSFR² of 109% • 27.9% TLAC³ is above 24.5% regulatory minimum • Stable wholesale funding utilization o Wholesale funding of $314Bn, up $22B Q/Q (+$15Bn money market funding and +$7Bn term funding) and up $48Bn Y/Y 。 Wholesale funding / total assets increased 120 bps Q/Q to 22.8%, from 21.6% 。 Wholesale funding / total assets remain below pre-pandemic levels 1 This measure has been disclosed in this document in accordance with OSFI Guideline - Public Disclosure Requirements for Domestic Systemically Important Banks on Liquidity Coverage Ratio (April 2015) 2 This measure has been disclosed in this document in accordance with OSFI Guideline - Public Disclosure Requirements for Domestic Systemically Important Banks on Net Stable Funding Ratio Disclosure Requirements (January 2021). 3 This measure has been disclosed in this document in accordance with OSFI Guideline - Public Disclosure Requirements for Domestic Systemically Important Banks on Total Loss Absorbing Capacity (TLAC) (September 2018). 50 50

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