Grow & Scale - Improving Sales Effectiveness

Grow & Scale | Enhancing digital onboarding and lending capabilities driving growth in this highly profitable business COUR STARTING POINT ~450,000 CLIENTS Meaningful opportunity to build primacy and capture share with SME clients Lending (<$5MM) Market Share¹ 27% 11% Deposits (<$5MM) Market Share² 27% Best-in-Class Scotiabank Best-in-Class SCOTIABANK RANKED 5TH AMONG PEERS ~$11Bn LOANS ~$38Bn DEPOSITS 11% Scotiabank SCOTIABANK RANKED 4TH AMONG PEERS Note: For footnoted information refer to slides 39 to 43 Improving our margin as we capture share with a focus on value 27 27

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