Why Invest in Scotiabank?

Q2/18 Q3/18 Q2/18 Q3/18 Q4/18 Q1/19 PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Deposit Overview Strong growth in business and government deposits $204 $215 $225 $225 $235 $246 $247 • $244 $250 $211 $222 $223 $224 Q2/19 Q3/19 BUSINESS & GOVERNMENT DEPOSITS1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Q4/19 Q1/20 Q2/20 Q3/20 $285 $274 $263 $223 $288 $211 $270 $197 $168 $221 $227 $179 $197 3Y CAGR 19.2% Q4/18 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q4/20 3Y CAGR 6.5% Q1/21 Q2/21 1 Calculated as Business & Government deposits less wholesale funding as per Wholesale Funding Sources table in the MD&A, adjusted for Sub Debt. Excludes Financial Institution deposits. 51 PERSONAL DEPOSITS Important for both relationship purposes and regulatory value • BUSINESS & GOVERNMENT Continuing to leverage relationships to grow deposits • Focusing on deposits with regulatory value

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