Scotiabank Financial Overview Q3/21

Q3/18 Q4/18 Q1/19 35.6% Q3/18 Q4/18 Q1/19 Wholesale Funding Utilization Maintaining low reliance on wholesale funding WHOLESALE FUNDING / TOTAL ASSETS 24.2% 23.1% WHOLESALE FUNDING UTILIZATION WELL MANAGED • Wholesale funding usage driven by recovery in asset growth, partially offset by deposit retention Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 39.7% Q4/20 29.8% 31.2% Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 18.9% Q1/21 Q2/21 Q3/21 17.7% MONEY MARKET FUNDING CONTINUES TO BE SUBDUED Prudent utilization of short-term funding 54

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