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Investor Presentaiton

TABLE OF CONTENTS Scotiabank Overview • • • • • • • • Leading Bank in the Americas Well-Diversified Business with Strong Returns Business Lines Why Invest in Scotiabank? Focused on Higher Return Markets • Increasing Banking Penetration Economic Outlook in Core Markets • COVID-19: Pacific Alliance Scotiabank Customer Activity Customer Assistance Programs Q3 2020 Financial Performance Earnings and Dividend Growth Strong Capital Position Digital Progress Technology Strategy Fintech Environmental, Social & Governance (ESG) Business Line Overview: Canadian Banking Business Line Overview: International Banking Business Line Overview: Global Wealth Management Business Line Overview: Global Banking and Markets Risk Overview 11 456789012345678902225 46 50 • Well Provisioned • Risk Snapshot • Risk Density • • Historical PCL Ratios on Impaired Loans Retail Loans and Provisions Sectors Most Impacted by COVID-19 Energy - E&P and Oilfield Services Exposure Treasury and Funding • Pandemic Response • Funding Strategy • Wholesale Funding • Deposit Overview • . Wholesale Funding Utilization Liquidity Metrics Appendix 1: Core Markets: Economic Profiles Appendix 2: Canadian Housing Market Appendix 3: Additional Information Contact Information 51 52 53 54 55 57 58 59 60 61 62 63 64 65 66 72 79 83 3
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