Investor Presentation

Scotiabank in Chile Business Overview1 Customers² ~2.9MM Corporate/ Residential Mortgages Commercial Employees² ~7,700 Branches² 116 39% 45% Loans $48.6B Average Loans $49B Average Deposits $22B 10% Total NIAT 6% $755MM Personal Loans (after NCI)³,4 Credit Cards ROE³,4 13.7% Retail Loans 79% 21% Productivity3,4 41.3% Secured Unsecured PTPP1,6 Market Position by Loans4 18.0% 16.7% 14.4% 14.0% 9.6% TR & Itaú Santander Chile Scotiabank BCI Itaú Productivity Ratio4 Operating Leverage4 +20% CAGR 13.3% 1,230 49.8% 1,093 1,113 48.2% 710 46.5% 7.0% 43.4% 4.3% 4.6% 3.0% 3.0% 2018 44.7% 43.4% 4.3% 2019 2020 2021 43.3% 42.1% 0.0% 2018 2019 2020 2021 2018 2019 2020 2021 All figures including Wealth Management 1 On a constant dollar basis 2 Including subsidiaries 3 LTM Q2/22 4 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Second Quarter 2022 Report to Shareholders, available on http://www.sedar.com 5 Market share as of March 2022, includes only private banks. Scotiabank includes Cencosud, Source: CMF 6 Pre-Tax, Pre-Provision Profit defined as revenues less expenses Reported Adjusted 31

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