Why Invest in Scotiabank?

Focused on Higher Return Markets Higher Banking ROEs in Canada and Latam (Latest Reporting Period) 35% 32.5% 30% 29.4% 25% 20% 15% 12.1% 10.6% 10.1% 10% 10.1% 10.2% 6.0% 10.7% 5% 4.5% 0% Canada Latam >95% of All-Bank earnings S US Asia Europe 3-year average ROE Return on equity based on latest reporting period as of June 1, 2021 Canada figures are average of Canadian P&C return on equity Canada and US figures are average for five largest and 10 largest market share banks in each country, respectively. Latam figures are average of 8 banks across Mexico, Peru, Chile, Colombia, and Brazil Sources: Bloomberg LLP, Company Financial Reports 9

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