Canadian Banking and Residential Mortgages Overview

Scotiabank in Peru Business Overview1 Residential Mortgages Market Position by Loans5 Customers² ~3.6MM Corporate/ Commercial 14% Employees² ~9,200 33.6% Branches² 257 Personal Loans 21.0% Average Loans $20Bn Loans $20.1Bn 21% 16.3% 12.2% 59% Average Deposits $16Bn 2%3% Credit Cards Total NIAT (after NCI)³ $402MM Other ROE3,4 Productivity 3,4 13.8% 39.3% Retail 42% 58% BCP BCP BBVA BBVA ㅁ Scotiabank Interbank Loans Secured Unsecured Productivity Ratio4 Operating Leverage4 PTPP1,6 38.5% 5.1% 6.0% 1,290 1,099 -1% CAGR 1,265 1,059 37.7% 35.8% 35.8% -0.1% -5.6% 2019 2020 2021 2018 2019 2020 2021 2018 2019 2020 2021 2018 All figures including Wealth Management 1 On a constant dollar basis 2 Including subsidiaries 3 LTM 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. Scotiabank includes SBP, CSF and Caja CAT 6 Pre-Tax, Pre-Provision Profit defined as revenues less expenses 30

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