Scotiabank Risk Overview

Business Lines (Q1/23 Reported Results) Business Line Canadian Banking International Banking Global Wealth Management Global Banking and Markets • Mortgages Mortgages Auto Loans • Auto Loans Products • Business Loans • Corporate and Personal Loans Credit Cards Commercial Banking • Asset Management • Private Banking • Private Investment Personal Loans Credit Cards Counsel Brokerage · Capital Markets • Trust Advisory and Products • Corporate Lending • Advisory Equities Fixed Income • Foreign Exchange • Payments & Transaction Banking NIAEH¹ ($MM) $1,087 $654 $385 $519 % All-Bank¹ 41% 25% 15% 20% % Target 35-40% 25-30% ~15% 15-20% Productivity 45.8% 53.2% 60.6% 51.4% Ratio² ROE³ 23.0% 13.4% 15.5% 13.2% Total Assets ($B) $450.0 $228.4 $33.9 $480.5 Employees 5,6 19,831 41,481 7,731 2,211 1 May not add due to rounding; 2 Refer to page 50 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 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; 3 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com; 4 Average balance for the 3 months ended January 31, 2023; 5 As of January 31, 2023; 6 Employees are reported on a full-time equivalent basis 6

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