Embracing Fintech

Scotiabank in Chile Business Overview1 Market Position by Loans5 Customers² ~2.8MM Corporate/ Commercial Employees² ~7,500 Branches² 109 Average Loans $48B Residential Mortgages 17.7% 16.6% 14.7% 13.8% 38% 46% Loans $47.5B 9.7% Average Deposits $21B 10% Total NIAT (after NCI)3,4 ROE³,4 6% Personal Loans $631MM Credit Cards 14.6% Retail Loans 80% 20% Itaú Santander Chile Scotiabank BCI Itaú Productivity3,4 40.4% Secured Unsecured PTPP1,6 Productivity Ratio4 Operating Leverage4 18.3% +20% CAGR 1,235 1,214 49.8% 1,104 48.2% 831 46.6% 43.5% 7.0% 4.5% 3.0% 3.0% 44.6% 43.3% 4.6% 4.2% 2018 2019 2020 2021 43.4% -0.1% 42.1% All figures excluding Wealth Management 1 PTPP as reported, CAGR on a constant dollar basis 2018 2019 2020 2021 2018 2019 2020 2021 2 Including subsidiaries 3 FYTD'22 Results 4 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2022 Report to Shareholders, available on http://www.sedar.com 5 Market share as of June 2022, includes only private banks. Scotiabank includes Cencosud, Source: CMF 6 Pre-Tax, Pre-Provision Profit defined as revenues less expenses Reported Adjusted 32 32

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