Scotiabank Investor Presentation

Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 21.8% Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 42.2% Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 31.1% 33.8% 56 Q3/21 21.6% 18.9% 17.6% Q4/21 Q1/22 Wholesale Funding Utilization Maintaining appropriate reliance on wholesale funding WHOLESALE FUNDING / TOTAL ASSETS 22.9% WHOLESALE FUNDING UTILIZATION WELL MANAGED Wholesale funding / total assets stabilizing below pre- pandemic levels Q2/22 Q3/22 Q4/22 • SUITABLE CONCENTRATION OF MONEY MARKET FUNDING Prudent utilization of short-term funding

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