Investor Presentaiton
Why Invest in Scotiabank?
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Leading bank in the Americas
Diversified exposure to high quality
growth markets
Increasing scale and market share in
core markets
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Strong risk culture: solid credit quality,
well provisioned
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Acceleration in Digital Banking
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Six core markets: Canada, US, Mexico, Chile, Peru and Colombia
• ~97% of FY23 YTD earnings from the Americas
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Only universal bank with full presence in all Pacific Alliance countries
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Unique Americas footprint provides diversified exposure to higher
growth, high ROE banking markets
Over 230 million people in the Pacific Alliance countries comprise the
6th largest economy in the world
Competitive scale and increasing market share in core markets
Competitive advantages in technology, risk management and cross-
border solutions versus competitors
Strong Canadian risk management culture with strong capabilities in AML
and cybersecurity
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Focus on secured and investment-grade lending
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$6.1 billion in allowances for credit losses as of Q3/23
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Increased Digital Adoption to 61% in Q3/23 (up 220 bps Y/Y)
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Recognized as a 2023 Digital Transformation Award winner by IT World
Canada, for the development of Scotiabank's Al-driven Chatbot
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Launched Scotia Smart Investor, an all-new platform that aligns
solutions to customer goals by blending Al-powered recommendations
and personalized advice in real-time
Named "Digital Bank of the Year for Latin America and the Caribbean" by
Latin Finance's 2022 Banks of the Year Awards
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