Scotiabank: Colombian Market and Financial Overview

Automotive Finance Canada's leader in automotive finance Provide personal and commercial dealer financing solutions, in partnership with seven leading global automotive manufacturers in Canada • Portfolio increased 1.9% year-over-year¹ Personal up 2.7%, Commercial down 3.7% Commercial 14% AVERAGE ASSET MIX 7% Near-Prime Retail $44.4B1 79% 100% Secured Prime Retail Exclusive Relationships MAZDA VOLVO POLESTAR JAGUAR/LAND ROVER Semi-Exclusive Relationships* HYUNDAI CHRYSLER * 1 to 2 other financial institutions comprise Semi-Exclusive relationships GM TESLA Market Share Asset Growth Prime Retail Market Share² Near-Prime Retail Market Share³ Commercial Floorplan Market Share4 36 % 23 % 64 % 77 % 200 27 % 73 % $43.5B $44.4B $42.3B $39.7B $37.1B Till 2016 2017 2018 2019 2020 1 For the twelve months ended October 31, 2020; 2 CBA data as of July 2020, includes RBC, CIBC, Canadian Western Bank, National Bank, TD, Scotiabank, Laurentian Bank; 3 Dealer Track Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for October 2020 originations; 4 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of June 2020 25

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