Why Invest in Scotiabank?

Well-Diversified Business with Strong Returns Earnings by Business Line 1,2 Wealth Management 18% Earnings by Market1,2,4 Colombia Europe 1% Asia 1% Caribbean and 2% Central America Global Wealth Management 18% Wholesale Banking 23% Global Banking and Markets 23% Canadian Banking Personal & Commercial P&C Banking Q2/21 YTD 41% EARNINGS MIX 59% $4.5B³ International Banking P&C 18% Chile 6% Mexico 6% U.S. 7% C&CA Peru 3% 4% Q2/21 YTD EARNINGS MIX $4.5B³ Adjusted Return on Equity 1,2 by Business Line 21.6% 15.0% 14.9% 13.1% 11.6% 22.8% 17.3% 17.3% 14.6% 9.4% Canadian Banking International Banking Global Wealth Management Global Banking and Markets All Bank 3-year average ROE Canada 70% 1Net income attributable to equity holders for the 6 months ended April 30, 2021; 2 Adjusted for acquisition and divestiture-related amounts, impact of additional pessimistic scenario in ACLs, Derivative Valuation Adjustment, and impairment charge on software asset; 3 Excludes Other segment; 4 Earnings from Brazil and Other totaled 0.3% of all-bank earnings 6

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