Scotiabank Risk Overview

International Retail: Loans and Provisions MEXICO CHILE CARIBBEAN AND CENTRAL AMERICA 428 Markets with 329 133 Greater 326 300 173 106 129 Weighting to 138 111 103 102 70 62 62 99 212 237 64 51 67 65 139 154 133 119 205 124 Secured 179 120 122 102 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 216 72 98 67 93 195 91 58 45 31 39 46 170 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 115 95 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 133 124 108 Markets with Greater Weighting to Unsecured 2,436 PERU COLOMBIA 1,588 1,338 1,194 492 502 760 389 352 309 329 726 636 534 364 353 318 307 302 211 274 203 264 273 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 451 385 287 256 289 304 317 346 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 PCL as a % of average net loans (bps)1 PCLs on Impaired Loans as a % of average net loans (bps)1 Loan Balances Q1/23 Mexico Peru Chile Colombia Caribbean & CA Total² Spot ($Bn) % Secured $17 89% $10 42% $32 79% $6 $13 $78 37% 76% 73% 1 Refer to page 50 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 2 Total includes other smaller portfolios 48

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