Scotiabank Financial Overview Q3/21

Digital Progress: All-Bank • Canada: Continued growth in mobile users driven by continuous improvement of the Scotiabank mobile application • Pacific Alliance: Strong growth in Self-Serve Transactions, particularly in Peru and Mexico Digital Adoption (%)¹ +7% 7,524 7,310 7,830 +500 bps Active Digital Users (#'000) 6,316 5,276 +48% 50% 54% 49% 43% 2018 2019 2020 Q3/20 Q3/21 36% +1,800 bps +16% 2018 2019 2020 Q3/20 Q3/21 Active Mobile Users (#'000)² 5,903 6,470 5,591 4,513 3,559 Digital Sales (%) 36% 37% 28% 22% 2018 2019 2020 +82% 2018 2019 2020 Q3/20 Q3/21 +600 bps +100 bps 43% Self-Serve Transactions 76% 80% 89% 89% 90% (%) +1,400 bps +2,100 bps Q3/20 Q3/21 1CB Digital Adoption definition was updated in Q1/21 to reflect new addressable customer base, excluding indirect-channel acquisitions 22018 and 2019 use historical estimation based on available mobile user data for Colombia and Chile 2018 2019 2020 Q3/20 Q3/21 14

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