Canadian Retail: Loans and Provisions Financial Overview

Leading Bank in the Americas¹ Core markets: Canada, US, Mexico, Peru, Chile and Colombia 7th largest bank by assets¹ in the Americas Change Full-Service, Universal Bank Canada Scotiabank2 Revenue Net Income FY2020 FY/FY $31,139MM $6,961MM (26%) Return on Equity 10.4% (350 bps) Mexico Peru Chile Colombia Operating Leverage +1.0% n.a. Productivity Ratio 53.0% +30 bps Total Assets Caribbean Uruguay $1.1T +5% CET1 Ratio 11.8% +70 bps Ranking by Market Share³ Wholesale Operations Canada #3 USMCA USA Top 15 FBO USA UK Mexico #5 Peru #3 Singapore Australia Ireland PAC Chile Colombia #4 #6 Hong Kong SAR China Brazil Malaysia Earnings by Market2,4 India Japan Other- C&CA 3% 6% PAC 16% 1 Ranking by asset as at November 27, 2020, Bloomberg; 2 Adjusted for acquisition and divestiture-related amounts, impact of additional pessimistic scenario in ACLS, Derivative Valuation Adjustment, and impairment charge on software asset. Operating Leverage excludes divested operations; 3 Ranking based on market share in loans as of September 2020 in Mexico, Peru and Chile, as of August 2020 in Colombia, as of July 2020 in Canada for publically traded banks; 4 Adjusted net income attributable to equity holders of the Bank for the 12 months ended October 31, 2020 U.S.A 64% Canada 11% 5

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