Scotiabank Investor Presentation

Business Lines (FY22 Reported Results) Business Line Canadian Banking Products International Banking Mortgages Auto Loans Corporate and Commercial Banking • Global Wealth Management Asset Management Private Banking Mortgages Auto Loans Commercial • . Loans Personal Loans Personal Loans Credit Cards • Credit Cards · Capital Markets • Trust Advisory and Products Private Investment Counsel Brokerage Global Banking and Markets • Corporate Banking • Advisory Equities Fixed Income • Foreign Exchange . Commodities NIAEH¹ ($MM) $4,763 $2,418 $1,556 $1,911 % All-Bank 1,2 45% 23% 15% 18% % Target 35-40% 25-30% ~15% 15-20% Productivity 44.8% 53.6% 60.6% 51.7% Ratio 1,3 ROE1,3 26.3% 12.9% 16.2% 14.3% Total Assets ($B) $429.5 $206.5 $32.7 $445.0 Employees5 19,262 41,660 8,015 2,225 1 For the 12 months ended October 31, 2022; 2 May not add due to rounding; 3 Refer to page 133 of the Management's Discussion & Analysis in the Bank's 2022 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 4 Average balance for the 12 months ended October 31, 2022; 5 As of October 31, 2022 7

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