Scotiabank Investor Presentation

Digital Progress: Canada Digital Adoption (%) +7% Active Digital 3,329 3,599 3,847 4,071 4,368 +200 bps Users (#'000) +31% 59% 61% 55% 50% 46% 2018 2019 2020 Q4/21 Q4/22 +1,500 bps +9% 2018 2019 2020 Q4/21 Q4/22 Active Mobile Users (#'000) 3,073 3,393 3,704 2,396 2,666 Digital Sales (%) +55% 2018 2019 2020 Q4/21 Q4/22 +500 bps 28% +0 bps 26% 26% 23%-- +200 bps 16% Self-Serve Transactions 84% 87% 92% 93% 93% +900 bps (%) 2018 2019 2020 Q4/21 Q4/22 2018 2019 2020 Q4/21 Q4/22 Definitions Digital Sales (% of retail unit sales using Digital platforms, excluding auto, broker originated mortgages and mutual funds) Digital Adoption (% of customers with Digital login (90 days) / Total addressable Customer Base) Digital Users: # of customers who logged into website and/or mobile in the last 90 days Mobile Users: # of customers who logged into mobile in the last 90 days Self-serve Transactions: % of Financial transactions through Digital, ABM, IVR 160 16

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