Financial Performance and Digital Progress Update

Canadian Residential Mortgages Asset yields on variable rate mortgages reprice with each change to Scotiabank's prime rate in $Bn (Spot Balances) 26% Insured 74% Uninsured Total Portfolio: $290 67% Fixed MORTGAGE PORTFOLIO 1 Total Portfolio: $290 33% Variable Mortgage Variable Portfolio Mortgages Total Outstanding Balance Uninsured Outstanding Balance Average LTV2 $290 $96 $215 $83 49% 57% CANADA UNINSURED MORTGAGE PORTFOLIO 3 FICO® DISTRIBUTION - UNINSURED PORTFOLIO 3 Average FICO® % of Portfolio 85% Score Uninsured Canada 799 74% GTA 801 85% GVA 804 85% 8% 5% 2% <620 620-680 681-720 >720 1 Includes Wealth Management 2 Weighted by mortgage balances and adjusted for property values based on the Teranet - National Bank National Composite House Price Index 3 FICO is a registered trademark of Fair Isaac Corporation 35

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