Canadian Retail: Loans and Provisions Financial Overview

Scotiabank in Chile Business Overview Market Position by Loans4 Customers¹ ~2.8MM Corporate/ Commercial 47% Employees ~8,000 Branches1 144 Loans $45.9B Average Loans $46B 18.6% 16.7% 14.1% 14.0% 13.8% 9.7% 0% 36% Auto 5% Residential Mortg. Average $24B Deposits Credit Cards 12% Total NIAT 2,5 $459MM Personal Loans ROE³ 6.1% Retail 79% 21% R Loans X Itaú Productivity³ 43.3% Secured Unsecured Santander Chile Estado BCI Scotiabank Itaú PTPP Productivity Ratio Operating Leverage 789 535 2017 2018 +30% CAGR 49.5% 1,202 1,185 Constant currency All figures in CAD$ including Wealth Management 1 Includes affiliates & consumer microfinance 2,3 WY'2020 Adjusted as Reported 4 Market share as of September 2020, Source: CMF 5 Adjusted before NCI 2019 2020 13.3% 8.5% 44.7% 43.3% 43.4% 4.3% 0.0% 2017 2018 2019 2020 2017 2018 2019 2020 31

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