Scotiabank Peru Sa · BVL:SCOTIAC1
Scotiabank Peru Sa — Investor Presentation (August 2026)
21 slides from Scotiabank Peru Sa's investor presentation, August 2026
Slide 1: Investor Presentation Scotiabank Peru
Investor Presentation Scotiabank Peru August 2026
Slide 2: Disclaimer
Disclaimer This document has been drafted for information purposes and for the use of Scotiabank Peru investors to whom it is addressed, in order to facilitate their understanding of certain information regarding Scotiabank Peru and only refers to the businesses of Scotiabank in Peru. For detailed f
Slide 3: Peru: strong macroeconomic fundamentals
Peru: strong macroeconomic fundamentals Latam CPIs YoY (%)1 Lowest Debt / GDP vs peers2 15 97 10 61 63 6.1 43 5 4.6 30 3.4 0 2001 2006 2011 2016 2021 2026 -5 Mexico Brazil Peru Chile Colombia Peru Chile Mexico Colombia Brazil Latam FX rate | Index (2000=100) 3 Key factors to invest in Peru 1 Financi
Slide 4: Peru: macroeconomic projections
Peru: macroeconomic projections Forecast1 2022 2023 2024 2025 2026f GDP (% yoy) 2.7 -0.4 3.5 3.3 3.5 Inflation (% yoy, eop) 8.5 3.2 2.0 1.5 4.2 Exchange rate (vs. USD, eop) 3.81 3.71 3.76 3.36 3.35 Monetary policy rate (%, eop) 7.50 6.75 5.00 4.25 4.25 Copper price (US$/lb, eop) 4.2 3.9 4.2 4.5 6.0
Slide 5: Peruvian banking industry at a glance
Peruvian banking industry at a glance Peruvian banking industry Sustained Highlights1 • Average ROAE 2 of 16.5% in the past 5 years profitability Banks in Branches / Accounts / Financial Peru ATMs Cards highlights • Relatively low loan to GDP ratio (close to 40%). High growth • Substantial room to g
Slide 6: Scotiabank Leading bank in the Americas
Scotiabank Leading bank in the Americas Geographic Distribution 1 Revenue | $ 28.5 bn Highlights Other Colombia 13% 3% Total Presence in Chile 7% Employees Assets Peru 5% 55% Canada +30 ~80k 9% ~$ 1.5 tn countries Mexico 8% US Adj. NIAEH | $ 7.5 bn CET 1 Mkt Cap.2 Other 15% 13.3% $ 123 bn Chile 6% P
Slide 7: Scotiabank Peru Leading universal bank with nationwide presence
Scotiabank Peru Leading universal bank with nationwide presence Business overview 1 Customers 3.5mm Strong ratings with stable outlook Employees 5.9k Baa1 (stable) Branches 148 BBB- (stable) A- (stable) ATMs +792 Strong financial indicators and competitive position Total assets Total deposits Total
Slide 8: Improving profitability with a strong focus on efficiency
Improving profitability with a strong focus on efficiency Net income1 Efficiency ratio3 In USD mm 476 433 436 281 42 43 216 41 40 39 2022 2023 2024 2025 Q2/26 2023 2024 2025 Q2/25 Q2/26 NIM2 Highlights Scotiabank Peru In USD mm & % 1 Improving • Focus in lower cost primary deposits 4.22 % 4.79 % 4.7
Slide 9: Strong risk culture and conservative approach to credit risk
Strong risk culture and conservative approach to credit risk Loan Loss Coverage Ratio – NPLs (% of Loans)1 3.80% 3.00 3.75 % 3.70% 3.66 % 3.60% 2.11 2.01 3.50% 1.81 3.50 % 2.00 3.40% 1.56 3.30% ● Improving credit quality of loan book 3.20% 3.21 % 1.00 3.10% ● Prudent provisioning strategy 3.00% 2.90
Slide 10: Solid balance sheet and liquidity position
Solid balance sheet and liquidity position Balance sheet structure USD bn Funding mix evolution USD bn Assets & Borrowings Deposits Others Issuances Liabilities $ 21.8 bn $17.2 $17.2 $17.6 $17.3 $18.5 Mortgage loans 14% 64% Consumer loans 14% 47% 63% Current Accounts 34% 72.7% 82.2% 83.4% 82.9% 85.4
Slide 11: Healthy capital ratios
Healthy capital ratios Capital Ratios Evolution 1 Surplus over regulatory limits 2 18.7% 18.6% 17.7% 17.0% 17.1% 17.3% 16.8% 17.0% 16.2% 1.0% 1.0% 3.1% 2.9% 2.9% 0.9% 14.5% 14.7% 0.9% 3.0% 2.9% Minimum required 1.1% 1.0% regulatory capital: 12.5% Tier 2 16.2% 16.3% 16.7% 15.7% 15.3% 15.6% 14.1% 13.4
Slide 12: Strong corporate governance
Strong corporate governance Board members Gianfranco Castagnola 1 (Chairman) 7 board members (5 independent directors) Sebastián Arcuri 2 (Vice-Chairman) Active board involvement 3 Elena Conterno1 4 Alfredo Pérez1 Best practices following BNS standards 5 Lieneke Schol1 Audit and risk committee parti
Slide 13: Achieve a sustainable path of growth and profitability in line with Scotiabank's global mission
Achieve a sustainable path of growth and profitability in line with Scotiabank/s global mission “ To be the preferred financial partner for the Bank/s clients ” Earn primary client Make it easy to do Win as one team relationships business with us Establish the Bank as the primary bank for its Facili
Slide 14: Digital Landscape
Digital Landscape • Wallet. UX enhacements and new service offering for payments through our digital wallet. Retail • Payrolls. End to end digital process to open accounts from our app. Solutions for individuals and • Open Market. Enhance CX on the acquisition processes (i.e.: credit cards, savings
Slide 15: YTD Financial Performance
YTD Financial Performance 1 1 USD mm Q2/25 Q2/26 Y/Y Net interest revenue 236 242 2.42% YEAR-OVER-YEAR FINANCIAL HIGHLIGHTS Net fee and commision revenue 42 44 5.61% 2 • Net Income up 21.9% YoY. Other non -interest revenue 52 56 7.49% • Positive evolution in NII and transactional fees. Total Operati
Slide 16: Why invest in Scotiabank Peru?
Why invest in Scotiabank Peru? • Controlled by The Bank of Nova Scotia Solid Controlling Group • The Bank of Nova Scotia is Canada´s most international bank with relevant presence in all Pacific Alliance countries Banking Market with • Peru offers strong growth potential in Latin America driven by H
Slide 17: Appendix
17 Appendix
Slide 18: ESG initiatives
ESG initiatives Environmental: Social: Promoting a more Governance: Strong enabling the green transition equitable future corporate governance builds stakeholder trust • Global commitment to mobilize up to CAD 350 • ScotiaRISE: 209k people reached in Peru billion by 2030 through sustainable finance
Slide 19: Scotiabank Peru's income statement
Scotiabank Peru/s income statement Income Statement (USD 000´s) 2022 2023 2024 2025 Q2/25 Q2/26 % Var Interest income 1,206,419 1,510,372 1,478,938 1,389,016 700,573 691,834 -1% Interest expenses -389,673 -654,860 -546,411 -454,046 -232,511 -213,895 -8% Gross profit margin 816,746 855,512 932,527 93
Slide 20: Scotiabank Peru's balance sheet
Scotiabank Peru/s balance sheet Balance Sheet (USD 000´s) 2022 2023 2024 2025 Q2/25 Q2/26 % Var Assets Cash and due from banks 1 3,025,089 3,219,062 3,845,797 4,168,722 3,833,377 4,247,484 11% 2 Investments, net 2,004,649 2,122,357 2,600,931 2,692,118 2,369,499 2,805,023 18% Loan portfolio, net 15,9
Slide 21: Contact Information
Scotiabank Peru Miguel Royo Treasury Vice President miguel.royo@scotiabank.com.pe Contact Renzo Crisólogo Director Balance sheet Management renzo.crisologo@scotiabank.com.pe Information Ernesto Merino Associate Structural Funding & Investor Relations ernesto.merino@scotiabank.com.pe
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