Digital Banking Strength and Strategic Funding

Leading Bank in the Americas¹ Core markets: Canada, US, Mexico, Peru, Chile and Colombia 7th largest bank by assets¹ in the Americas Mexico (BBB) #5 Bank Peru (BBB+) #3 Bank Q3 2020 Change Canada (AAA) #3 Bank Full-Service, Universal Bank Scotiabank2 YTD YTD/YTD Canada Mexico Peru Chile United States Colombia Revenue Net Income Return on Equity Operating Leverage Productivity Ratio $23,634MM +2% $5,023MM -28% 10.2% (370 bps) +1.1% n.a. 52.9% +20 bps (AA+) Caribbean Top 15 FBO Uruguay Total Assets $1.2T +10% Colombia Ranking by Market Share³ (BBB-) #6 Bank Wholesale Operations Canada #3 USMCA USA USA Top 15 FBO UK Mexico #5 Singapore Australia PAC Ireland Hong Kong SAR Peru Chile Colombia #3 #4 #6 China Brazil Chile (A+) South Korea Malaysia Earnings by Market2,4 Other- C&CA #4 Bank India Japan 7% 3% PAC 16% 64% Canada 10% U.S.A 1 Ranking by asset as at August 20, 2020, Bloomberg; 2 Adjusted for acquisition and divestiture-related amounts, impact of additional pessimistic scenario in ACLs, Derivative Valuation Adjustment, and impairment charge on software asset. Operating Leverage excludes divested operations; 3 Ranking based on market share in loans as of June 2020 for PAC (incl. M&A), as of May 2020 in Canada for publically traded banks; 4 Adjusted net income attributable to equity holders of the Bank for the 9 months ended July 31, 2020 5

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