Investor Presentaiton

Scotiabank Funding Strategy and Programs Funding Strategy Build core deposits in all of our key markets Diversification of funding by currency, program, tenor and markets • Maintain pricing relative to peers Short-Term Funding Diversified Funding Programs . USD 25 billion Bank CP program USD 3 billion Subsidiary CP program CD Programs (Yankee/USD, EUR, GBP, AUD, HKD) Term Funding & Capital . . CAD 7 billion ABS shelf (unsecured lines of credit) CAD 10 billion shelf (preferred shares, subordinated debt, common equity) . Canada Mortgage Bonds and Mortgage Back Securities • USD 1 billion Singapore MTN program • AUD 4 billion Australian MTN program • USD 15 billion global registered covered bond program (uninsured mortgages) • USD 25 billion shelf (preferred shares, subordinated debt, common equity) • USD 20 billion global public covered bond shelf (in run-off, CMHC insured mortgages) • USD 20 billion EMTN shelf (includes subordinated debt) Scotiabank 17

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