Why Invest in Scotiabank?

Q2/18 Q3/18 Q4/18 38.3% Q1/19 Q2/18 Q3/18 Q4/18 Wholesale Funding Utilization Historically low reliance on wholesale funding WHOLESALE FUNDING / TOTAL ASSETS 25.1% 22.9% 20.9% WHOLESALE FUNDING UTILIZATION WELL MANAGED Deposit retention and muted asset growth mitigating wholesale funding requirement Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING Q2/19 36.6% 38.7% Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 27.4% Q2/21 17.1% MONEY MARKET FUNDING CONTINUES TO BE SUBDUED Prudent utilization of short-term funding 52 62

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