Scotiabank Risk Overview

Scotiabank in the Pacific Alliance¹ Q1/232 Chile Mexico Peru Colombia Pacific Alliance Total/Average Scotiabank Market Share3,4 14.9% 7.9% 16.2% 5.2% n.a. Market Share Ranking³,4 3rd 5th 3rd 6th n.a. Average Total Loans ($Bn) $54.1 $41.5 $22.7 $11.7 $129.9 Revenue ($Bn) $0.6 $0.7 $0.4 $0.2 $1.9 Net Income after NCI ($MM) $177 $221 $126 ($0) $523 ROE2,5 11.1% 23.8% 18.3% nmf 14.9% # of Employees 7,490 8,701 8,853 5,620 30,664 Total Deposit Growth²,7 Total Loan Growth 2,7 12% Productivity Ratio 2,5 Total PTPP Growth 2,7,8,9 12% 74% Y/Y 5% Y/Y 130 126 66% 86 88 79 9 89 68% Y/Y 12 116 11 1,016 10 965 951 72 8 78 57 24 24 24 53 +4 54 21 47 49% 49% 342 49% 321 334 16 16 16 22 22 23 23 23 42% 41% 262 41% 251 218 38 39 33 37 39 41 37% 40% 38% 315 327 340 Q1/22 Q4/22 Q1/23 Q1/22 Q4/22 Q1/23 Mexico Peru Chile Q1/22 Q4/22 Q1/23 Q1/22 Q4/22 Q1/23 Colombia 1Figures excluding Wealth Management; 2 Growth rates (%) are on a constant dollar basis, while metrics are on a reported basis; 3 Ranking based on publicly traded banks by total loans market share; 4 As of December 2022; except Colombia as of October 2022 and Mexico as of November 2022; 5 Refer to page 50 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 6 Employees are reported on a full-time equivalent basis; 7 May not add due to rounding; 8 Pre-Tax, Pre-Provision Profit defined as revenues less expenses. See non-GAAP reconciliations beginning on slide 81; 9Pacific Alliance Total Includes Other PAC in Q4/22 12

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