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Investor Presentaiton

TABLE OF CONTENTS Scotiabank Overview . • • Canada's International Bank Well-Diversified and Profitable Business Medium-Term Financial Objectives • Why Invest in Scotiabank? • Increasing Scale, Improving Focus • Track Record of Earnings and Dividend Growth 4567 8 9 10 • Strong Capital Generation and Position • Progress in Digital Banking • Environmental, Social & Governance (ESG) Business Line and Financial Overview • Financial Performance • Canadian Banking • International Banking 11 12 13 15 16 17 24 27 • • • Global Banking and Markets Credit Performance by Business Lines Historical PCL Ratios on Impaired Loans Treasury and Funding 29 30 31 • Funding Strategy . Wholesale Funding Composition • Deposit Overview . • Wholesale Funding Utilization Liquidity Metrics Appendix 1: Key Market Profiles Appendix 2: Canadian Housing Market Appendix 3: Bail-in and TLAC Appendix 4: Covered Bonds Appendix 5: Additional Information Contact Information 32 33 34 35 36 37 47 54 58 62 64 Scotiabank®
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