Scotiabank Earnings Report

23 . • • • • Canadian Banking: 2013 Outlook • Retail: Asset growth is expected to continue, albeit at a slightly lower pace Continue to focus on deposits, payments and wealth management Strong contribution from the ING acquisition, solidifies our #3 position in Canada Small Business: Solid loan and deposit growth Automotive: Expanded footprint and strong volume growth Commercial Banking: Strong pipeline reflecting targeted initiatives Continue to partner with Global Transaction Banking to grow deposits Margin: Steady, but remains under pressure PCLs: - Stable loan loss ratio Expenses: - Managing expenses will remain a key priority Scotiabank Strategy in Action International Banking 2013 Outlook Dieter Jentsch Group Head, International Banking Scotiabank

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