Scotiabank Investor Presentation

$222 Deposit Overview Continued growth both personal and non-personal deposits PERSONAL DEPOSITS1 (AVERAGE BALANCES, $Bn) • $261 $248 $241 $244 $244 $254 $226 $247 $245 $244 $237 3Y CAGR 5.6% $225 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 NON-PERSONAL DEPOSITS1 (AVERAGE BALANCES, $Bn) • PERSONAL DEPOSITS Important for both relationship purposes and regulatory value Initiatives are in place to drive deposit growth and retention Strong Q/Q growth in Canadian Banking deposits NON-PERSONAL DEPOSITS $387 $350 $331 $354 $363 • $296 $278 $376 $351 $360 Leveraging relationships to grow deposits with favourable regulatory value $338 $327 $280 3Y CAGR 11.7% Strong Q/Q growth in Global Banking and Markets deposits Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 1 Calculated as the sum of the average balances of the four business-line personal and non-personal deposits. 55

View entire presentation