Investor Presentaiton

Other Regions CARIBBEAN & CENTRAL AMERICA • Leading Caribbean & Central American franchise • • The franchise offers services and products to support over 1.8MM retail, corporate, commercial, wealth and insurance customers Major markets include the Trinidad & Tobago, Jamaica, Costa Rica, Panama, Dominican Republic and The Bahamas Strong and stable deposit base Leaders in digital banking through innovative use of technology and commitment to continued improvement • • URUGUAY Scotiabank Uruguay is a leading bank among private institutions in the market, offering services and products to support 0.4MM retail, small business and corporate customers Strong and stable deposit base In addition the bank operates Pronto!, a consumer finance business, offering personal loans and credit cards products 1 Based on the most recent available financial statements ASIA China: ~18% interest in Bank of Xi'an The carrying value at Q3/23 is CAD $1,035 MM • Bank of Xi'an reported $129MM of net income for the 3 months ended March 31, 20231, of which Scotiabank's share is 18% 35

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