Scotiabank Financial Overview Q3/21

Canadian Retail: Loans and Provisions' MORTGAGES AUTO LOANS 216 224 106 91 99 39 89 78 81 35 96 84 85 94 99 105 1 1 0 0 1 4 2 4 2 1 1 1 1 1 00 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 LINES OF CREDIT² Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 CREDIT CARDS 169 164 1,002 896 80 72 87 79 62 70 385 381 445 400 410 322 288 33 70 73 74 65 60 57 32 379 377 401 312 321 310 204 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 PCL as a % of avg. net loans (bps) Loan Balances Q3/21 Mortgages Spot ($B) $270 % Secured 100% 1 Includes Wealth Management. PCL excludes impact of additional pessimistic scenario 2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit 3 Includes Tangerine balances of $8 billion and other smaller portfolios 4 82% secured by real estate; 12% secured by automotive Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 PCLs on Impaired Loans as a % of avg. net loans (bps) Auto Loans Lines of Credit² Credit Cards Total $40 100% $32 $6 $3493 64% 2% 94%4 46

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