Why Invest in Scotiabank?

Digital Progress: All-Bank • Canada: Continued growth in self-serve transactions driven by higher mobile and online usage • Pacific Alliance: Significant mobile user growth across all geographies, particularly in Peru and Mexico Digital Adoption (%)¹ 50% 47% 43% 36% +17% +700 bps Active Digital Users (#'000) 5,903 6,221 5,306 4,513 3,559 54% +1,800 bps +75% 2018 2019 2020 Q2/20 Q2/21 +8% 2018 2019 2020 Q2/20 Q2/21 7,524 6,316 7,099 7,676 5,276 Active Mobile Users (#'000)² +45% Digital Sales (%) 2018 2019 2020 Q2/20 Q2/21 +800 bps +500 bps 42% 36% 34% 28% 22% 89% Self-Serve Transactions 76% 80% 84% 89% +1,300 bps +2,000 bps (%)³ 2018 2019 2020 2018 2019 2020 Q2/20 Q2/21 Q2/20 Q2/21 1CB Digital Adoption definition was updated in Q1/21 to reflect new addressable customer base, excluding indirect-channel acquisitions 22018 and 2019 use historical estimation based on available mobile user data for Colombia and Chile 3 Prior periods from 2018 to 2020 have been restated in Q2/21 to align with current methodology 14

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