Scotiabank Risk Overview

Real Estate and Construction Loans 2% Engineering & Project Management 38% Residential / Multi-Family Residential 6% Commercial Construction 6% Retail Q1/22 2% Engineering & Project Management 38% Residential / Multi-Family Residential Q1/23 $63.3 billion¹ 24% Industrial/ Commercial $49.0 billion 22% Industrial/ Commercial 5% Commercial Construction 5% Retail 7% 8% Office 18% REITS Office 18% REITS Growth in Real Estate and Construction loans has been broad based across subsectors Limited exposure to construction subsector Long standing relationships in top tier names, with strong balance sheets and experience managing through cycles, and with deep relationships with trades and suppliers May not add due to rounding 44

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