International Banking and Risk Review

Scotiabank $ millions Specific Provisions: Commercial & Corporate 151 109 24 29 10 10 2 52 52 29 33 20 22 T -9 T -15 -14 -10 -9 -25 Canadian Banking International Banking Scotia Capital Q2/08 Q3/08 Q4/08 Q1/09 Q2/09 PCL ratio (bps) 1 8 9 47 Scotiabank 1.20% 27 Coverage on Loan Portfolio Total Allowance for Credit Losses as % of Loans and Acceptances 1.00% 0.95% 0.92% 0.87% 0.87% 0.88% 0.80% 0.60% 0.40% 0.20% 0.00% Q2/08 Q3/08 28 Q4/08 Q1/09 Q2/09

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