Scotiabank Investor Presentation

Risk Management Overview Domestic International Scotia Capital Market Risk Both retail & commercial in excellent shape. Caribbean in good condition. Asia: improving Latin America: acquisitions now stabilized Corporate portfolio well diversified Some softening in credit conditions Widening spreads in the market Very low trading risk 21 Well Diversified by Market % of total loans & acceptances Europe Caribbean U.S.A. Business Residential Mortgages Canada 22 Latin America Asia Personal

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