Scotiabank Mexico Business Overview

Wholesale Funding Wholesale funding diversity by instrument and maturity 1,6,7 14% Senior Notes 25% Bail-inable Notes 0% Asset-Backed Securities 16% Covered Bonds Asset-Backed Commercial Paper³ 3% 28% Bearer Deposit Notes, Commercial Paper & Short-Term Certificate of Deposits $275Bn 1% Deposits from Banks² TERM FUNDING MATURITY TABLE (EXCLUDING SUB DEBT AND MORTGAGE SECURITIZATION) (CANADIAN DOLLAR EQUIVALENT, $B) $33 9% Mortgage Securitization4 6 $25 4 $23 27 27 20 20 8 $13 $32 $28 7 10 10 8 17 15 24 24 -4% Subordinated Debt5 5 < 1 Year 2 Years 3 Years 4 Years 5 Years 5 Years > Senior Debt ABS Covered Bonds 1 Excludes repo transactions and bankers' acceptances, which are disclosed in the contractual maturities table in the MD&A of the Interim Consolidated Financial Statements. Amounts are based on remaining term to maturity. 2 Only includes commercial bank deposits raised by Group Treasury. 3 Excludes asset-backed commercial paper (ABCP) issued by certain ABCP conduits that are not consolidated for financial reporting purposes. 4 Represents residential mortgages funded through Canadian Federal Government agency sponsored programs. Funding accessed through such programs does not impact the funding capacity of the Bank in its own name. 5 Although subordinated debentures are a component of regulatory capital, they are included in this table in accordance with EDTF recommended disclosures. 6 As per Wholesale Funding Sources Table in MD&A, Q3/22 Report to Shareholders. 7 May not add due to rounding. 51

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