Scotiabank Investor Presentation

Risk Snapshot RWA Breakdown1 Credit Exposure by Country 2,3 Credit Exposure by Sector 1,2 ■Canada ■ U.S. Real Estate and Construction Financial Services 7.9% 5.1% ■Credit Risk 67% 2% 10% ■ Chile Wholesale and Retail 4.5% 3% 11% $462Bn 87% ■ Operational Risk 3% $770Bn³ 5% ■ Other International ■Mexico Utilities 3.5% Technology and Media 3.3% 5% ■Market Risk ■ C&CA Other 3.1% 7% 9% ■ Peru Agriculture 2.6% ■ Colombia Automotive 1.9% Canadian Banking 1,2 Personal & Commercial Lending International Banking1,2 Food and Beverage 1.5% Energy 1.2% Transportation 1.2% Health Care 0.9% Sovereign 0.8% ■ Secured Mining 0.8% 72% ■ Secured 5% $387Bn $72Bn 95% ■ Unsecured 28% ■ Unsecured 1 As at October 31, 2022 2% of total loans and acceptances 3 As at October 31, 2022 Hospitality and Leisure 0.5% Metals 0.4% 0.3% Forest Products Chemicals 0.3% 45 45

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