Investor Presentaiton

Why Invest in Scotiabank? Leading bank in the Americas • • Six core markets: Canada, US, Mexico, Chile, Peru and Colombia ~90% of earnings from the Americas Diversified exposure to high quality growth markets , Increasing scale and market share in core markets $ Strong risk culture: solid credit quality, well provisioned ☑ Acceleration in Digital Banking in 2020 • • Only universal bank with full presence in all Pacific Alliance countries Unique Americas footprint provides diversified exposure to higher growth, high ROE banking markets 229 million people in the Pacific Alliance countries comprise the 6th largest economy in the world • Competitive scale and increasing market share in core markets Competitive advantages in technology, risk management, and funding versus competitors • Increased scale in Wealth Management and P&C businesses via M&A • Strong Canadian risk management culture with strong capabilities in AML and cybersecurity Focus on secured and investment-grade lending • $7.8 billion in allowances as of Q4/20 • Increased Digital Adoption to 48% Surpassed target for In-Branch Financial Transactions of <10% Named "Best Bank in North America for Innovation in Digital Banking #1 ranking for "Online Banking Satisfaction" - J.D. Power 8

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