Scotiabank Risk Overview

Digital Progress: Canada Digital Adoption (%) +7% +200 bps Active Digital Users (#'000) 3,599 3,847 4,071 4,368 4,149 4,455 +24% 55% 59% 61% 59% 61% 50% 2019 2020 2021 2022 Q1/22 Q1/23 +1,100 bps +11% 2019 2020 2021 2022 Q1/22 Q1/23 Active Mobile Users (#'000) 3,073 3,393 3,704 3,415 3,800 2,666 Digital Sales (%) +43% +100 bps 2019 2020 2021 2022 Q1/22 Q1/23 28% 28% +0 bps 27% 26% 23% +200 bps 16% Self-Serve Transactions 87% 92% 93% 93% 93% 93% +600 bps (%) 2019 2020 2021 2022 Q1/22 Q1/23 2019 2020 2021 2022 Q1/22 Q1/23 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 14

View entire presentation