Investor Presentation

ESG Spotlight - Retail Banking Housing 1 Green Vehicles ESG Investing Focus Areas Leadership in ESG Education Leadership in ESG Funds Leadership in EV Incentives . Recent Achievements Introduced Canada's first sustainable investing tools through Scotiabank's iTrade in 2017. Over 20,000 users interacted with the sustainable investing tool in 2020 Published Scotia Global Asset Management's inaugural Stewardship and Responsible Investment Report on February 23, 2022 Launched Dynamic Sustainable Credit Private Pool on January 27, 2022, with further equity versions planned in coming months Launched Scotia SRI ETFs in January with Tangerine as the key initial distribution partner (suite of 4 ETFs) FYTD as of April 2022, EV loans represented 8.5% of our total Auto bookings and were 9.8% of the total amount financed; in comparison, EV represented 6.4% of our total Auto bookings and 7.4% of the total amount financed throughout FY2021 Scotiabank's booking growth for electric vehicles was 55% Y/Y in the first half of FY2022, compared to the Y/Y growth of 70% we experienced in the same period in FY2021 Leadership in EV Financing We have an exclusive relationship with Polestar and Rivian as well as a semi-exclusive relationship with Tesla Leadership in Indigenous Financial Services Leadership in Newcomers Banking Scotiabank operates 27 Indigenous Financial Centres in Canada providing communities with our full range of banking services The First Nations Leasehold program provides financing options for leasehold interests on First Nations land being developed with residential housing Scotiabank's StartRightⓇ program addresses the unique banking needs of newcomers in Canada The Scotiabank StartRightⓇ permanent resident mortgage program and the Scotiabank StartRightⓇ temporary resident mortgage program help facilitate newcomers' financing of home purchases 20

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