Third Quarter 2021 Investor Presentation

Strong Capital Position CETI ratio of 12.2% · 12.3% +32 bps -11 bps -16 bps 1 -6 bps -5 bps -4 bps 12.2% Q2 2021 Reported Earnings less dividends RWA growth (ex. FX) Reversal of Increased SVaR Multiplier ownership in Chile ECL Transitional Capital Relief Other (net) Q3 2021 Reported Internal capital generation Strong internal capital generation of 21 bps RWA growth primarily from retail mortgages and business lending 22 bps impact from increase in SVaR multiplier and increased ownership in Scotiabank Chile Reported Leverage Ratio of 4.8% includes 19 bps benefit from OSFI's exclusion of sovereign-issued securities 1 Includes 9 bps benefit from OSFI's partial inclusion of stage 1 and 2 allowances 6

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