Scotiabank Risk Overview

Deposit Overview Continued growth both personal and non-personal deposits PERSONAL DEPOSITS1 (AVERAGE BALANCES, $Bn) $247 $245 $237 $225 $244 $244 $241 $226 Q1/20 Q2/20 Q3/20 Q4/20 $244 HIGHLIGHTS Important for both relationship purposes and regulatory value $270 $248 $254 $261 3Y CAGR: 6.3% Initiatives are in place to drive deposit growth and retention Strong Q/Q growth in Canadian Banking and International Banking deposits Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 NON-PERSONAL DEPOSITS1 (AVERAGE BALANCES, $Bn) $327 $338 $280 $350 $331 $296 $351 $397 $360 $376 $387 $354 $363 3Y CAGR: 12.4% Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 1 Calculated as the sum of the average balances of the four business-line personal and non-personal deposits. HIGHLIGHTS Leveraging relationships to grow deposits with favourable regulatory value Strong Q/Q growth in International Banking deposits 53

View entire presentation