Why Invest in Scotiabank?

Digital Progress: Canada Digital Adoption (%)¹ 55% 55% 46% 50% +4% +300 bps Active Digital 3,329 3,599 3,847 3,791 3,960 Users (#'000) +19% 58% +1,200 bps 2018 2019 2020 Q2/20 Q2/21 +13% 2018 2019 2020 Q2/20 Q2/21 Active Mobile Users (#'000) 3,073 3,242 2,396 2,666 2,872 Digital Sales (%) +35% +100 bps 26% 26% 25% 26% +66 bps 16% 2018 2019 2020 Q2/20 Q2/21 Definitions 2018 2019 2020 Q2/20 Q2/21 +400 bps Self-Serve Transactions 84% 87% 92% 89% 93% +900 bps (%) 2018 2019 2020 Q2/20 Q2/21 Digital Sales (% of retail unit sales using Digital platforms, excluding auto, broker originated mortgages and mutual funds) Digital Adoption (% of customers with Digital login (90 days) / Total addressable Customer Base) Digital Users: # of customers who logged into website and/or mobile in the last 90 days Mobile Users: # of customers who logged into mobile in the last 90 days Self-serve Transactions: % of Financial transactions through Digital, ABM, IVR 1CB Digital Adoption definition was updated in Q1/21 to reflect addressable customer base, excluding indirect-channel acquisitions 77

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