Investor Presentaiton

ESG Spotlight - Retail Banking FOCUS AREAS ย Housing D Green Vehicles ESG Investing RECENT ACHIEVEMENTS Leadership in ESG Education Leadership in ESG Funds Leadership in EV Financing EV Relationships Leadership in Indigenous Financial Services Leadership in Newcomers Banking In 2017, Scotia iTRADE introduced Canada's first sustainable investing tools for direct investors that helps combine financial investments with positive societal impact. The tool continues to see engagement by tens of thousands of self-directed investors looking for ratings and insights on investment opportunities with the companies most closely aligned to the investors' own values and avoid those involved with practices they disagree with • Jarislowsky Fraser was selected as a top investment manager in the Great Canadian ESG Championship FYTD as of July 2023, EV loans represented 17.4% of our total Prime Retail Auto bookings and were 18.4% of the total amount financed. In comparison, EV represented 7.9% of our total Prime Retail Auto bookings and 9.4% of the total amount financed throughout all FY2022 Scotiabank's booking growth for electric vehicles (units) was 133% Y/Y FYTD as of July 2023, compared to the Y/Y growth of 29% in the same period in FY2022 We have an exclusive relationship with Polestar and Rivian as well as a semi-exclusive relationship with Tesla All our automotive manufacturer partners have and will continue to introduce EV vehicles in the months and years ahead Scotiabank's Indigenous Financial Services team is Indigenous-led and comprised of experts in land development both on and off reserve, with vast experience in residential developments and conveyancing The First Nations Leasehold Financing program provides financing options for leasehold interests on First Nations land being developed with residential housing Scotiabank's StartRight® program addresses the unique banking needs of newcomers in Canada The Scotiabank StartRightⓇ permanent resident mortgage program and the Scotiabank Start RightⓇ temporary resident mortgage program help facilitate newcomers' financing of home purchases 20 20

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