Canadian Retail: Loans and Provisions Financial Overview

Scotiabank in Colombia Business Overview Market Position by Loans4 Customers¹ ~2.8MM Corporate/ Commercial 25.9% 44% Employees ~6,800 Residential 18% Mortg. Branches¹ 152 Loans $11.5B Average Loans $11B 1% Auto Average 20% $10B 17% Deposits Personal Loans 17.0% 12.2% 10.3% 6.3% 5.5% 4.3% Credit Cards Total NIAT 2,6 -$35MM BBVA ROE³ -2.8% Retail 34% 1 66% Loans Bancolombia Davivienda Bogotá 5 BBVA Productivity³ 59.8% Secured Unsecured Occidente Scotiabank Popular5 Colpatria PTPP Productivity Ratio Operating Leverage +3% CAGR 664 460 519 507 54.5% 53.4% 52.6% 2017 Constant currency 2018 All figures in CAD$ including Wealth Management 2019 2020 59.8% -1.8% -2.4% -6.4% -7.6% 2017 2018 2019 2020 2017 2018 2019 2020 1 As of October 2020 2,3 WY'2020 Adjusted as Reported 4 Market share as of August 2020 5 Members of AVAL Group: Banco de Bogotá, Banco de Occidente, Banco Popular and Banco AV Villas. AVAL is 2nd in market share in terms of Loans (25%) and 1st in Deposits (27%) 6 Adjusted after NCI 32 32

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