Scotiabank Pacific Alliance Expansion

Risk Snapshot RWA Breakdown¹ Credit Exposure by Country 2,3 ■ Credit Risk 66% ■ U.S. 2% 4% $404B 86% ■ Operational Risk $615B1 12% 4% 5% ■ Other International ■Mexico ■Market Risk 5% ■ C&CA 7% 7% ■ Peru ■ Colombia Credit Exposure by Sector 1,2,4 ■Canada ■ Chile Real Estate and Construction Financial Services 6.4% 4.2% Wholesale and Retail 3.9% Other 2.9% Utilities 2.6% Technology and Media 2.5% Agriculture 2.4% Automotive 1.9% Energy 1.8% Food and Beverage 1.7% Transportation 1.4% Health Care 0.9% Mining 0.8% Sovereign 0.8% Hospitality and Leisure 0.7% ■ Unsecured Metals 0.4% Forest Products Chemicals 0.3% 0.2% Personal & Commercial Lending Canadian Banking 1,2 International Banking1,2 ■ Secured 70% ■ Secured 6% $328B $66B 94% ■ Unsecured 30% 2% of total loans and acceptances 3 As at October 31, 2020 4 Regulated/contracted midstream has been moved from Energy to Utilities as of Q1/21. Prior periods have been restated to conform to the current presentation 1 As at April 30, 2021 40 40

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