Scotiabank ESG and Financial Performance Update

Business Lines (FY23 YTD Reported Results) Business Line CANADIAN BANKING INTERNATIONAL BANKING GLOBAL WEALTH MANAGEMENT GLOBAL BANKING AND MARKETS Mortgages Auto Loans • Mortgages . Auto Loans Business Loans • Corporate and Products • • • Personal Loans Credit Cards Personal Deposits Non-Personal Deposits Commercial Banking • Personal Loans Credit Cards Capital Markets Asset Management . Corporate Lending . Private Banking • Advisory Private Investment • Equities Counsel • Brokerage . Trust Fixed Income Foreign Exchange Payments & Transaction Banking Advisory and Products Personal Deposits • Non-Personal Deposits NIAEH¹ ($MM) $2,147 $1,296 $738 $920 % All-Bank² 42% 25% 14% 18% % Target 35-40% 25-30% ~15% 15-20% Productivity 46.1% 53.5% 61.8% 53.4% Ratio³ ROE4 22.9% 13.3% 15.2% 11.9% Total Deposits5 ($Bn) $332.2 $122.4 $34.4 $183.7 Total Assets5 ($Bn) $450.3 $233.5 $34.0 $484.1 Employees 19,750 41,274 7,777 2,201 1Excludes Other segment (FY23 YTD: -$1,236MM in net income attributable to equity holders for the 6 months ended April 30, 2023); 2 May not add due to rounding; 3 Refer to page 54 of the Management's Discussion & Analysis in the Bank's Second Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 4 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Second Quarter 2023 Report to Shareholders, available on http://www.sedar.com; 5 Average balance for the 6 months ended April 30, 2023; 6 Employees are reported on a full-time equivalent basis 6

View entire presentation