Strong Quarter Financial Performance

Scotiabank Net Interest Margin (%) Appendix 1.76 1.76 1.74 1.73 1.68 Q3/09 Q4/09 Q1/10 Q2/10 Q3/10 Q3 margin benefited from... • Wider spreads on retail assets in International Banking Offset by... • Lower spreads in Canadian Banking & Scotia Capital Scotiabank 28

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