Scotiabank Investor Presentation

Well-Diversified Business with Strong Returns Global Wealth Management 15% Caribbean and Central America (C&CA) 4% Colombia 1% Brazil and Other 4% Peru 4% U.S. 8% Canadian Global Banking Banking and Markets FY22 REPORTED Mexico 44% EARNINGS MIX1,2 8% FY22 REPORTED EARNINGS MIX1 Canada 18% 62% International Banking 23% Chile 9% FY22 Reported 26.3% Return on Equity by Business Line 16.2% 14.3% 14.8% 22.2% 12.9% 15.5% 15.2% 13.3% 9.4% 3-year average ROE International Banking Canadian Banking 1Net income attributable to equity holders for the 12 months ended October 31, 2022; 2 Excludes Other segment (FY22: -$732MM in net income attributable to equity holders for the 12 months ended October 31, 2022) 6 Global Wealth Management Global Banking and Markets All Bank

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