Scotiabank Financial Overview Q3/21

Digital Progress: Canada Digital Adoption (%)¹ +4% Active Digital 3,329 3,599 3,847 3,826 3,985 +300 bps Users (#'000) +20% 55% 55% 58% 46% 50% 2018 2019 2020 Q3/20 Q3/21 +1,200 bps +10% 2018 2019 2020 Q3/20 Q3/21 Active Mobile Users (#'000) 2,396 2,666 3,073 2,991 3,304 Digital Sales (%) +38% 2018 2019 2020 Q3/20 Q3/21 +500 bps 26% 26% 25% +5 bps 20% 16% -100 bps Self-Serve Transactions (%) 84% 87% 92% 93% 93% +900 bps 2018 2019 2020 Q3/20 Q3/21 2018 2019 2020 Q3/20 Q3/21 Definitions Digital Sales (% of retail unit sales using Digital platforms, excluding auto, broker originated mortgages and mutual funds) Digital Adoption (% of customers with Digital login (90 days) / Total addressable Customer Base) Digital Users: # of customers who logged into website and/or mobile in the last 90 days Mobile Users: # of customers who logged into mobile in the last 90 days Self-serve Transactions: % of Financial transactions through Digital, ABM, IVR 1CB Digital Adoption definition was updated in Q1/21 to reflect addressable customer base, excluding indirect-channel acquisitions 15 15

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