Investor Presentaiton

Scotiabank in the Pacific Alliance¹ Q3/232 Mexico Peru Chile Colombia Scotiabank Market Share3,4 7.6% 16.1% 14.5% 5.0% Pacific Alliance Total/Average 10.2% Market Share Ranking3,4 5th 3rd 3rd 6th n.a. Average Total Loans ($Bn)7 $45.1 $23.2 $57.2 $12.4 $137.9 Revenue ($Bn) $0.7 $0.4 $0.6 $0.3 $2.0 Net Income after NCI ($MM)7 $234 $97 $150 ($2) $479 ROE2,8 25.0% 15.2% 9.7% (0.7%) 13.9% # of Employees 8,813 8,940 7,351 5,292 30,396 AVERAGE DEPOSIT 2,7,8 AVERAGE LOAN 2,7,8 PRODUCTIVITY RATIO 2,5 PTPP 2,7,8 7% 5% +10% Y/Y Y/Y 70% Y/Y 96 96 138 138 68% 1,081 132 987 1,021 90 13 12 63% 95 10 9 72 12 75 10 26 25 344 367 24 51% 348 57 57 50% 54 47% 16 16 17 43% 230 41% 43% 228 253 24 23 23 23 39 44 45 40% 39% 41% 336 351 389 42 45 45 Q3/22 Q2/23 Q3/23 Q3/22 Q2/23 Q3/23 Q3/22 Q2/23 Q3/23 Q3/22 Q2/23 Q3/23 Mexico Peru Chile Colombia 1Figures excluding Wealth Management; 2 Dollar amounts and growth rates (%) are on a constant dollar basis, while metrics are on a reported basis; 3 Ranking based on publicly traded banks by total loans market share; 4 As of June 2023, except Colombia as of April 2023; 5 Refer to page 53 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 6 Employees are reported on a full-time equivalent basis; 7 May not add due to 13 rounding; 8 See non-GAAP reconciliations beginning on slide 83

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