Scotiabank Investor Day Summary

WHY INVEST IN SCOTIABANK? Attractive untapped potential across our businesses and geographies, while supported by strong Canadian risk culture DIVERSIFIED BY BUSINESS AND GEOGRAPHY PROVIDING SUSTAINABLE AND GROWING EARNINGS STRENGTHENING THE CORE WITH CAPABILITIES TO PLAY OFFENSE AND DEFENSE UNIQUE AND ATTRACTIVE BUSINESS IN THE KEY PACIFIC ALLIANCE MARKETS . ~80% of earnings from high quality and stable retail, commercial and wealth management businesses Attractive growth opportunities across all of our businesses Announced recent acquisitions that strengthen our business Strong Canadian risk culture and industry leading capital levels • Attractive dividend yield and consistent record of dividend increases Leveraging traditional and non-traditional data • • Building stronger capabilities for AML and reputational risk Focused on growing the Bank's key markets of Mexico, Peru, Chile and Colombia, with a population of roughly 230 million Average age of 29, growing middle class and large portion of the young population is underbanked Higher GDP growth forecast compared to Canada and the U.S. CLEAR DIGITAL STRATEGY LEVERAGED ACROSS OUR FIVE KEY MARKETS TO IMPROVE CUSTOMER EXPERIENCE AND PRODUCTIVITY . Aligned and integrated Digital Banking Network with digital factories in Canada, Mexico, Peru, Chile and Colombia ⚫ Driver of internal innovation and our clear digital targets Attracting new talent and leadership on a global basis Scotiabank® 8

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