Q1 2022 Financial Performance
Scotiabank in Chile
Business Overview1
Customers²
~2.9MM
Corporate/
Commercial
Employees²
Branches²
~7,800
117
Average Loans
Residential
Mortgages
38%
46%
Loans
$46.1Bn
$46Bn
Average Deposits
$21Bn
11%
Total NIAT
(after NCI)³
5%
Personal Loans
$671MM
Credit Cards
ROE³,4
12.5%
Retail
Loans
80%
Productivity3,4
42.4%
Secured
20%
Unsecured
PTPP1,6
Market Position by Loans4
18.0%
16.9%
14.3%
13.9%
9.6%
Itaú
Santander
Chile
Scotiabank
BCI
Itaú
Productivity Ratio4,7
Operating Leverage4,7
13.3%
+20%
CAGR
49.8%
48.2%
1,230
46.5%
1,093
7.0%
1,113
710
43.4%
4.3%
4.6%
3.0%
3.0%
44.7%
43.4%
4.3%
43.3%
42.1%
0.0%
2018
2019
2020
2021
2018
2019
2020
2021
2018
2019
2020
2021
All figures including Wealth Management
Reported - Adjusted
1 On a constant dollar basis; 2 Including subsidiaries; 3LTM Q1/22; 4 Refer to page 48 of the Management's Discussion & Analysis in the Bank's First Quarter 2022 Report to Shareholders, available on
http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 5 Market share as of December 2021, includes only private banks.
Scotiabank includes Cencosud, Source: CMF; 6 Pre-Tax, Pre-Provision Profit defined as revenues less expenses; 7 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the
Bank's First Quarter 2022 Report to Shareholders, available on http://www.sedar.com
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