Investor Presentaiton

Leading Bank in the Americas¹ Core markets: Canada, US, Mexico, Peru, Chile and Colombia 9th largest bank by assets¹ in the Americas Mexico (BBB) #5 Bank Peru (BBB+) #3 Bank Q2 2020 Full-Service, Universal Bank Scotiabank2 YTD Change YTD/YTD Canada (AAA) #3 Bank Canada Revenue Net Income $15,945MM +5% $3,715MM (18%) Mexico Return on Equity 11.1% (260 bps) Peru Chile Operating Leverage -1.0% n.a. United States Colombia Productivity Ratio 53.7% +50 bps (AA+) Caribbean Top 15 FBO Uruguay Total Assets $1.25T +18% Colombia (BBB-) Ranking by Market Share³ #6 Bank Wholesale Operations Canada #3 USMCA USA USA Top 15 FBO UK Mexico #5 Singapore Australia PAC Ireland Hong Kong SAR Peru Chile Colombia #3 #3 #6 China Brazil Chile (A+) South Korea Malaysia Earnings by Market2,4 Other- C&CA #3 Bank India Japan 8% 5% PAC 21% 1 Ranking by asset as at May 22, 2020, Bloomberg; 2 Adjusted for acquisition and divestiture-related amounts, impact of additional pessimistic scenario in ACLS, Derivative Valuation Adjustment, and impairment charge on software asset; ³ Ranking based on market share in loans as of March 2020 for PAC (incl. M&A), as of January 2020 in Canada for publically traded banks; 4 Adjusted net income attributable to equity holders of the Bank for the 6 months ended April 30, 2020 57% Canada 9% U.S.A 5

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