Why Invest in Scotiabank?

Digital Progress: Pacific Alliance Digital Adoption (%) +12% Active Digital 3,677 3,716 3,307 +900 bps Users (#'000) 2,717 1,947 49% 46% 40% 35% 26% +2,300 bps +91% 2018 2019 2020 Q2/20 Q2/21 +22% 2018 2019 2020 Q2/20 Q2/21 Active Mobile Users (#'000)1 2,830 2,978 2,434 Digital Sales (%) 1,847 1,163 +156% 51% 39% 29% +3,500 bps 19% +1,500 bps 54% 2018 2019 2020 Q2/20 Q2/21 +600 bps Self-Serve Transactions 86% 69% 73% 80% 86% (%)² +1,700 bps 2018 2019 2020 Q2/20 Q2/21 2018 2019 2020 Q2/20 Q2/21 Definitions Digital Sales (% of retail unit sales using Digital platforms) Digital Adoption (% of customers with Digital login (90 days) Total addressable Customer Base) Digital Users: # of customers who logged into website and/or mobile in the last 90 days Mobile Users: # of customers who logged into mobile in the last 90 days Self-serve Transactions: % of Financial transactions through Digital, ABM, IVR, POS 12018 and 2019 use historical estimation based on available mobile user data for Colombia and Chile 2 Prior periods from 2018 to 2020 have been restated in Q2/21 to align with current methodology 78

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