Investor Presentation Q3 2020

Scotiabank Customer Activity 500 400 300 200 100 Canada: Daily Debit and Credit Card Transaction Volumes ($MM) Start of COVID-19 Lockdown 8,000 6,000 ཐ ཐཀཨདི ། 4,000 Nov Dec Jan Feb Mar Apr May Jun Jul 2020 ----2019 Business Banking Revolving Facilities Utilization Rate 2,000 Canada: New Mortgage and Auto Originations ($MM) Nov Dec Jan Feb Mar Apr May Jun Jul 2020 -2019 Customer DCM/ECM Activity ($MM)1 937 658 39% 36% 33% 31% 30% 30% 29% 28% 29% 30% 30% 30% 152 5,092 493 4,242 317 3,055 2,045 1,335 Aug-19 Oct-19 Dec-19 Feb-20 Apr-20 Jun-20 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 DCM ECM 1 Canadian debt and equity capital markets issuance activity 22 22

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