Scotiabank Financial Review Q2 2019

DIGITAL PROGRESS UPDATE Steady progress against 2018 Investor Day digital targets Digital Retail Sales¹ Digital Adoption² In-Branch Financial Transactions³ +1,400 bps +900 bps -900 bps 25 35 26 33 22 23 29 20 26 17 15 11 F2016 F2017 F2018 Q2/19 F2016 F2017 F2018 Q2/19 F2016 F2017 F2018 Q2/19 Goal >50% Goal >70% · Strong progress made in across key markets, especially in Colombia and Chile • Adoption grew 400bps against Q2 of last year 1 Canada: F2017 22%, F2018 26%, Q2/19 25% 2 Canada: F2017 36%, F2018 38%, Q2/19 40% 3 Canada: F2017 17%, F2018 15%, Q2/19 13% PACS: F2017 13%, F2018 19%, Q2/19 25% PACS: F2017 20%, F2018 26%, Q2/19 28% PACS: F2017 29%, F2018 24%, Q2/19 21% • Goal <10% In-branch transactions continued to decline at a steady pace Scotiabank® 22 22

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