Scotiabank Financial Overview Q3/21

ESG Spotlight - Retail Banking ESG Investing Green Vehicles Housing Focus Areas Leadership in ESG Education Leadership in ESG Funds Leadership in EV Incentives Leadership in EV Financing Leadership in Indigenous Financial Services Leadership in Newcomers Banking 1 Represents bookings from Scotiabank subvented partners only. Recent Achievements Introduced Canada's first sustainable investing tools through Scotiabank's iTrade in 2017. Over 20,000 users interacted with the sustainable investing tool in 2020. iTrade continues to deliver online learning modules to customers interested in learning more about ESG issues. Launched four ESG focused funds in 2020, the Scotia Low Carbon Funds (Global Equity, Global Balanced, & Canadian Fixed Income) & the Dynamic Energy Evolution Fund for retail investors. These funds add to other ESG investing offerings, the ESG Equity Guided Portfolio, the Jarislowsky Fraser Fossil Fuel Free Funds and the MD Fossil Fuel Free Funds. EV represents 5.8% of our total bookings (100% of Tesla and 7% of Hyundai bookings are EV) FYTD as of July and holds 6.5% of total booking amount Substantial booking growth for electric vehicles in 2019 at 248% YoY, 16% in 2020 despite COVID- 19, and 98% on a FYTD basis in 2021 (as of July 31) Scotiabank is a market leader in financing electric vehicles, having financed 43% of EVs in Canada in 2020.1 Substantial booking growth for electric vehicles in 2019 at 248% YoY and 16% YoY growth in 2020. We have an exclusive relationship with Polestar and Rivian as well as a semi-exclusive relationship with Tesla. Scotiabank operates 27 Aboriginal Banking Centres in Canada providing communities with our full range of banking services. The First Nations Leasehold program provides financing options for leasehold interests on First Nations land being developed with residential housing. Scotiabank's StartRightⓇ program addresses the unique banking needs of newcomers in Canada. The Scotiabank StartRightⓇ permanent resident mortgage program and the Scotiabank StartRightⓇ temporary resident mortgage program help facilitate newcomers' financing of home purchases. 20

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