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Investor Presentaiton

TABLE OF CONTENTS Scotiabank Overview • • Leading Bank in the Americas Well-Diversified Business with Strong Returns Business Lines Economic Outlook in Core Markets • Why Invest in Scotiabank? • • Focused on Higher Return Markets Increasing Banking Penetration • Digital Progress • • • • COVID-19 Response COVID-19: Strong Response from Governments across Core Markets Q2 2020 Financial Performance Earnings and Dividend Growth • Strong Capital Position • Technology Strategy Fintech Environmental, Social & Governance (ESG) Business Line Overview: Canadian Banking Business Line Overview: International Banking Business Line Overview: Global Wealth Management Business Line Overview: Global Banking and Markets Risk Overview Risk Snapshot • Risk Density • • Historical PCL Ratios on Impaired Loans Retail Loans and Provisions Sectors Most Impacted by COVID-19 Energy - E&P and Oilfield Services Exposure Treasury and Funding Pandemic Response • Funding Strategy • Wholesale Funding • Deposit Overview • Wholesale Funding Utilization • Liquidity Metrics Appendix 1: Core Markets: Economic Profiles Appendix 2: Canadian Housing Market Appendix 3: Bail-in and TLAC Appendix 4: Covered Bonds Appendix 5: Additional Information Contact Information 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 22 30 41 45 49 50 51 52 53 55 56 57 58 59 60 61 62 63 64 70 77 81 84 88 3
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