Why Invest in Scotiabank?

Wholesale Funding Wholesale funding diversity by instrument and maturity1,6,7 22% Senior Notes 18% Bail-inable Notes 1% Asset-Backed Securities Asset-Backed Commercial Paper³ 2% 24% Bearer Deposit Notes, Commercial Paper & Short-Term Certificate of Deposits $193B 2%- Deposits from Banks2 TERM FUNDING MATURITY TABLE (EXCLUDING SUB DEBT AND MORTGAGE SECURITIZATION) (CANADIAN DOLLAR EQUIVALENT, $B) $22 13% $21 $21 4 Covered Bonds 7 7 14% Mortgage Securitization4 4% Subordinated Debt 13 $11 18 3 14 14 $6 7 4 $23 3 20 20 < 1 Year 2 Years 3 Years 4 Years 5 Years 5 Years > Senior Debt ABS Covered Bonds 1 Excludes repo transactions and bankers acceptances, which are disclosed in the contractual maturities table in the MD&A of the Interim Consolidated Financial Statements. Amounts are based on remaining term to maturity. 2 Only includes commercial bank deposits raised by Group Treasury. 3 Excludes asset-backed commercial paper (ABCP) issued by certain ABCP conduits that are not consolidated for financial reporting purposes. 4 Represents residential mortgages funded through Canadian Federal Government agency sponsored programs. Funding accessed through such programs does not impact the funding capacity of the Bank in its own name. 5 Although subordinated debentures are a component of regulatory capital, they are included in this table in accordance with EDTF recommended disclosures. 6 As per Wholesale Funding Sources Table in MD&A, as of Q2/21. 7 May not add to 100% due to rounding. 50 50

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