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Investor Presentation

Global Wealth Management 3rd Largest Wealth Management Business in Canada' Global Wealth Management is focused on delivering comprehensive wealth management advice and solutions to clients across Scotiabank's footprint. Global Wealth Management serves over 2 million investment fund and advisory clients across 14 countries - administering $600 billion in assets. Business Overview Financial Results 12% 10% Q2/22 Revenue Q2/22 AUM² Mix $326Bn $1.4Bn 88% 90% 20% Q2/22 AUA² $MM, except AUM/AUA Q2/22 Reported Y/Y Q/Q $591Bn Net Income³ $407 9% (1%) 80% Pre-Tax, Pre Provision Profit 5 $555 9% (1%) Revenue $1,358 4% (5%) International Reported Net income³ ($MM) and ROE4 (%) Canada Expenses $803 (7%) 3 PCLS $1 nmf nmf Productivity Ratio² 59.1% (220 bps) (150 bps) 16.4% 16.5% 16.3% 17.2% 17.5% AUM ($B)² $326 (1%) (6%) 412 -7 AUA ($B)² $591 4% (2%) Adjusted5 372 390 385 405 407 Net Income³ $413 9% (1%) Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 ■Ex. Performance Fees Performance Fees Pre-Tax, Pre Provision Profit Expenses Productivity Ratio $564 9% (1%) $794 (7%) 58.5% (210 bps) (150 bps) Medium-Term Financial Objectives Net Income Growth 3,4 Productivity Ratio4 Operating Leverage4 Target6 8%+ <65% Positive 1 Based on Total Net Income for publicly traded banks in Canada for the 3 months ended January 31, 2022; 2 Refer to page 51 of the Management's Discussion & Analysis in the Bank's Second Quarter 2022 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 3Attributable to equity holders of the bank; 4 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Second Quarter 2022 Report to Shareholders, available on http://www.sedar.com; 5 Pre-Tax, Pre-Provision Profit defined as revenues less expenses; 63-5 year target from 2020 Investor Day 35
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