Energy Portfolio and Canadian Mortgage Overview

Scotiabank in Peru As presented in 2020 Investor Day Footprint Customers¹ Employees¹ Branches1 Market Position by Loans4 31.7% 4.0 million 12,000 314 Balance and Market Position Loan Market Share4 Average Loans Average Deposits 19.4% 18.1% 11.9% 18.1% $21 billion $19 billion Financial Total NIAT² ROE2,3 Performance Productivity² BCP BCP BBVA BBVA Scotia $810 25.6% 35.2% million 3-Year Change (bps) -18 -138 +79 Interbank +118 NIAT5 Productivity Ratio Operating Leverage +12% CAGR 40.0% 810 7.9% 39.3% 688 572 604 2016 All figures in CAD$ Constant currency 1 Including subsidiaries 2 Adjusted, WY 2019 2017 2018 2019 3 WY 2019 including goodwill 4 Market share as of October 2019. Scotiabank includes SBP, CSF and Caja CAT 5 After NCI on an adjusted basis 37.5% 1.8% 6.8% 5.0% 35.2% 2016 2017 2018 2019 2016 2017 2018 2019 38

View entire presentation