Scotiabank Investor Presentation

Highlights Strong liquidity, stable funding • Strong liquidity well in excess of regulatory requirements o LCR1 of 119%, down 3% Q/Q and down 5% Y/Y o HQLA of $213Bn, up $2B Q/Q and up $16Bn Y/Y, is substantially comprised of Level 1 assets 。 Pacific Alliance countries LCRs of 141% - 159% • Stability of funding reflected in NSFR2 of 111% • 27.4% TLAC³ is above 24% regulatory minimum • Stable wholesale funding utilization o Wholesale funding of $292Bn, up $17B Q/Q (+$11Bn money market funding and +$6Bn term funding) and up $67Bn Y/Y o Wholesale funding / total assets increased 36 bps Q/Q to 21.6%, from 21.2% 。 Wholesale funding / total assets stabilizing below pre-pandemic levels 1 This measure has been disclosed in this document in accordance with OSFI Guideline - Public Disclosure Requirements for Domestic Systemically Important Banks on Liquidity Coverage Ratio (April 2015) 2 This measure has been disclosed in this document in accordance with OSFI Guideline - Public Disclosure Requirements for Domestic Systemically Important Banks on Net Stable Funding Ratio Disclosure Requirements (January 2021). 3 This measure has been disclosed in this document in accordance with OSFI Guideline - Public Disclosure Requirements for Domestic Systemically Important Banks on Total Loss Absorbing Capacity (TLAC) (September 2018). 52 62

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