Americas Wholesale and Retail Banking Overview

Why Invest in Scotiabank? Leading bank in the Americas . Six core markets: Canada, US, Mexico, Chile, Peru and Colombia ~95% of earnings from the Americas • Only universal bank with full presence in all Pacific Alliance countries Diversified exposure to high quality growth markets Unique Americas footprint provides diversified exposure to higher growth, high ROE banking markets 229 million people in the Pacific Alliance countries comprise the 6th largest economy in the world , Increasing scale and market share in core markets · $ Strong risk culture: solid credit quality, well provisioned ☑ Acceleration in Digital Banking • Competitive scale and increasing market share in core markets Competitive advantages in technology, risk management and funding versus competitors Strong Canadian risk management culture with strong capabilities in AML and cybersecurity Focus on secured and investment-grade lending $6.2 billion in allowances for credit losses as of Q3/21 • Increased Digital Adoption to 54% in Q3/21 ⚫ "Most Innovative in Data" - The Banker (2021) Named "Best Bank in North America for Innovation in Digital Banking" (2020) #1 ranking for "Online Banking Satisfaction" - J.D. Power 2020 8

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