Supplementary Financial Information Q1 2023

Back to Table of Contents Allowance for Credit Losses & Other Reserves 2023 2022 2021 Full Year ($ millions) Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 2022 2021 Impaired Loans - Stage 3 Balance beginning of period 1,635 1,557 1,604 1,623 1,655 1,759 1,938 1,994 1,957 1,655 1,957 Provision for credit losses(1) 562 494 389 406 405 511 841 1,192 762 1,694 3,306 Write-offs (676) (578) (577) (550) (593) (706) (1,144) (1,261) (790) (2,298) (3,901) Recoveries 113 116 192 128 136 146 161 120 116 572 543 Foreign currency adjustment and other 20 46 (51) (3) 20 (55) (37) (107) (51) 12 (250) Balance end of period 1,654 1,635 1,557 1,604 1,623 1,655 1,759 1,938 1,994 1,635 1,655 Performing Loans - Stage 1 and 2 Balance beginning of period 3,713 3,590 3,690 3,869 3,971 4,320 4,778 5,596 5,682 3,971 5,682 Provision for credit losses (1) Balance end of period 76 35 23 (187) (183) (343) (461) (696) 2 (312) (1,498) Foreign currency adjustment and other 70 88 (123) 8 81 (6) 3 (122) (88) 54 (213) 3,859 3,713 3,590 3,690 3,869 3,971 4,320 4,778 5,596 3,713 3,971 Allowance for credit losses on loans 5,513 5,348 5,147 5,294 5,492 5,626 6,079 6,716 7,590 5,348 5,626 Allowance for credit losses on off-balance sheet exposures 100 108 109 49 55 65 87 100 Allowance for Credit Losses on acceptances and other financial assets (2) 55 43 39 32 36 40 66 77 137 83 108 65 43 Total allowance for credit losses 5,668 5,499 5,295 5,375 5,583 5,731 6,232 6,893 7,810 5,499 40 5,731 Allowance for Credit Losses by Business Segment Canadian Banking Retail Commercial International Banking Retail 1,916 1,888 1,880 1,918 2,075 2,255 2,476 2,580 2,655 1,547 1,528 1,532 1,595 1,723 1,863 2,009 2,056 2,064 369 360 348 323 352 392 467 524 591 3,528 3,392 3,209 3,268 3,271 3,219 3,446 3,965 4,736 2,681 2,575 2,459 2,505 2,514 2,477 2,672 3,123 3,853 Caribbean & Central America 512 547 511 506 507 524 557 592 680 Mexico 595 576 523 507 494 474 526 569 603 Peru 640 631 596 589 574 538 584 725 1,174 Chile 579 490 474 522 563 541 571 600 592 Colombia 264 247 277 298 299 319 346 547 702 Other (3) 91 84. 78 83 77 81 88 90 102 Commercial 847 817 750 763 757 742 774 842 883 Caribbean & Central America 84 83 81 74 71 74 84 90 94 Mexico 206 221 190 218 209 208 202 213 204 Peru 233 221 210 209 201 190 194 192 205 Chile 205 176 156 149 157 146 160 205 209 Colombia 53 53 54 57 52 58 74 84 103 Other (4) 66 63 59 56 67 66 60 58 68 Global Wealth Management 25 24 23 20 20 23 22 23 24 Global Banking and Markets 193 191 178 169 217 234 288 325 395 Other 6 4 5 ❁ 3 ཥྞ ིི ིི3Ëརྒྱུ རྞ ྂ ཆེ❁སླ སྲོ ཎྜཞཊཿ ཆ 7 2,255 1,863 392 3,219 2,477 524 474 538 541 319 81 742 74 208 190 146 58 66 23 234 Total allowance for credit losses by business segment 5,668 5,499 5,295 5,375 5,583 5,731 6,232 6,893 7,810 5,499 5,731 Allowance for Credit Losses on Loans by Type of Borrower Impaired Loans - Stage 3 1,654 1,635 1,557 1,604 1,623 1,655 1,759 1,938 1,994 1,635 1,655 Residential mortgages 428 406 375 393 395 374 403 410 406 406 374 Personal loans 563 551 559 566 574 626 715 821 849 551 626 Credit cards Business and government - - 663 678 623 645 654 655 641 707 739 678 655 Performing Loans - Stage 1 and 2 3,859 3,713 3,590 3,690 3,869 3,971 4,320 4,778 5,596 3,713 3,971 Residential mortgages Personal loans Credit cards Business and government 510 493 468 441 440 428 435 431 458 493 428 1,641 1,586 1,554 1,605 1,675 1,715 1,835 1,985 2,301 1,586 1,715 1,100 1,083 1,049 1,107 1,165 1,211 1,306 1,545 1,915 1,083 1,211 608 551 519 537 589 617 744 817 922 551 617 Allowance for Credit Losses on Loans 5,513 5,348 5,147 5,294 5,492 5,626 6,079 6,716 7,590 5,348 5,626 (1) Includes provision for credit losses on all financial assets. (2) Other financial assets include debt securities, deposits with financial institutions, accrued interest and reverse repos. (3) Includes Uruguay. (4) Includes Brazil and Uruguay. Scotiabank Supplementary Financial Information (SFI) 21

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