Embracing Fintech

Leading Bank in the Americas¹ Core markets: Canada, US, Mexico, Peru, Chile and Colombia 7th largest bank by assets¹ in the Americas Scotiabank (Reported) FY21YTD FY22YTD: Revenue Change YTD/YTD $23.6B $23.8Bn +1% Medium Term Financial Objectives All-Bank Objectives4 Net Income ($Bn) $7.4B $8.1Bn +9% EPS Growth5 7%+ Return on Equity Operating Leverage² 14.7% 2.4% 15.8% -0.9% +110 bps n.a. Productivity Ratio² 52.4% 52.8% +40 bps ROE5 Operating 14%+ Positive Leverage5 Total Assets $1.16T $1.29T +11% CET1 Ratio³ Capital6 12.2% Strong Levels 11.4% (80 bps) Ranking by Market Share7 Earnings by Market⁹ C&CA Other- Canada #3 U.S.A 5% 6% 4% USMCA USA8 Top 10 FBO PAC 21% Mexico #5 65% Pacific Peru #3 Alliance Canada Countries Chile #3 (PAC) Colombia #6 1 Ranking by asset as at August 18, 2022, Bloomberg; 2 Refer to page 51 of the Management's Discussion & Analysis in the Bank's Third Quarter 2022 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 3 This measure has been disclosed in this document in accordance with OSFI Guideline - Capital Adequacy Requirements (November 2018); 43-5 year targets from 2020 Investor Day; 5 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2022 Report to Shareholders, available on http://www.sedar.com; 6This measure has been disclosed in this document in accordance with OSFI Guideline - Capital Adequacy Requirements (November 2018); 7Ranking based on market share in loans as of April 2022 in Canada and Colombia, and June 2022 in Mexico, Peru, and Chile; 8 Ranking by asset as of December 2021; 9 Net income attributable to equity holders of the Bank for the 9 months ended July 31, 205

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