Embracing Fintech

Why Invest in Scotiabank? Leading bank in the Americas • Six core markets: Canada, US, Mexico, Chile, Peru and Colombia ~93% of earnings from the Americas Only universal bank with full presence in all Pacific Alliance countries Diversified exposure to high quality growth markets Unique Americas footprint provides diversified exposure to higher growth, high ROE banking markets 234 million people in the Pacific Alliance countries comprise the 6th largest economy in the world , • Increasing scale and market share in core markets • • Strong risk culture: solid credit quality, well provisioned • Competitive scale and increasing market share in core markets Competitive advantages in technology, risk management and funding versus competitors Strong Canadian risk management culture with strong capabilities in AML and cybersecurity • Focus on secured and investment-grade lending • $5.3 billion in allowances for credit losses as of Q3/22 Increased Digital Adoption to 58% in Q3/22 (up 400 bps Y/Y) • ☑ Acceleration in Digital Banking Won "Best Use of Technology for Customer Experience - Overall" by The Digital Banker's Global Digital CX Banking Awards 2022 • Named "Best Digital Bank - Mexico" by The Digital Banker's Global Retail Banking Innovation Awards 2021 • Recognized for "Best Al Initiative" by The Digital Banker's Global Retail Banking Innovation Awards 2021 8

View entire presentation