Investor Presentaiton

Back to Table of Contents IRB Credit Risk Exposures by Maturity Exposure at Default (1)(2) (in $ millions) Non-Retail Less than 1 year 1 to 5 years Drawn Q2 2023 Revised Basel III Undrawn (3) Other Total Drawn Q1 2023 Basel III Undrawn (3) Other Total 193,195 33,188 75,124 301,507 208,990 39,822 85,858 334,670 181,000 63,472 27,957 272,429 178,244 86,709 30,838 295,791 Over 5 Years 37,547 2,797 5,637 45,981 33,001 2,504 6,736 42,241 Total Non-Retail 411,742 99,457 108,718 619,917 420,235 129,035 123,432 672,702 Retail Less than 1 year 32,518 54,397 1 to 5 years 263,277 Over 5 Years 16,700 Revolving Credits (4) 40,307 41,886 Total Retail 352,802 96,283 Total 764,544 195,740 108,718 86,915 30,580 27,312 263,277 267,355 16,700 16,629 82,193 40,780 31,018 449,085 355,344 58,330 1,069,002 775,579 187,365 123,432 Q4 2022 (in $ millions) Basel III Q3 2022 Basel III Q2 2022 Basel III Q1 2022 Basel III Non-Retail Less than 1 year 315,321 295,682 296,301 315,086 1 to 5 years 291,225 282,025 269,793 241,767 Over 5 Years 45,636 40,836 36,474 26,690 Total Non-Retail 652,182 618,543 602,568 583,543 Retail Less than 1 year 56,047 53,310 48,374 49,899 1 to 5 years 267,711 267,101 264,220 256,766 Over 5 Years 16,917 16,720 16,529 16,631 Revolving Credits (4) 71,063 69,449 67,863 66,224 Total Retail 411,738 406,580 396,986 389,520 Total 1,063,920 (1) Before credit risk mitigation, excluding equity investment securities and other assets. (2) Remaining term to maturity of the credit exposure. 1,025,123 999,554 973,063 (3) Off-balance sheet lending instruments such as letters of credit and letters of guarantee, securitization, derivatives and repo-style transactions net of related collateral. (4) Credit cards and lines of credit with unspecified maturity. Scotiabank 57,892 267,355 16,629 71,798 413,674 1,086,376 Supplementary Regulatory Capital Disclosure Page 83 of 88

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