Scotiabank Investor Presentation

Global Wealth Management #1 in Loan growth¹ | #2 in Retail Mutual Fund Assets in Canada² • Continue product innovation: 2023 Priorities ⚫ Focus on international: Maximize our international footprint by growing the product shelf, and by enhancing internal capabilities in sales and distributions. Invest and grow the International Wealth business by following our retail footprint Drive innovation in products to deliver industry- leading investment capabilities and performance through purpose-built solutions for customers across Global Wealth Management's brands and channels Plan-based, holistic advice: Deliver the entire bank to ⚫ new and existing clients with complex needs through our Total Wealth strategy • Invest in digital: Digitally enable sales and advice to support all our distribution channels, including proprietary and 3rd party sales Productivity Ratio AUM Enhance our winning team culture: Cultivate a talented, diverse workforce, and foster an environment to keep our customers and employees safe, while delivering outstanding results and client experiences AUA 64.5% 60.6% +8% CAGR +8% CAGR 311 580 207 403 2019 2020 2021 2022 2017 2022 2017 2022 Figures for the 9 months ended July 31, 2022 2 Ranking as at September 30, 2022 38

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