Scotiabank Earnings Report

25 International Banking: 2013 Outlook ⚫ Positive outlook: expecting double-digit growth, on average, across the loan portfolio • • • Positive retail outlook, from organic growth & business initiatives Commercial pipeline remains healthy across our large platforms in Asia & Latin America PCLs expected to rise, reflecting underlying organic growth and the purchase of Colpatria Maintain focus on expense management; positive operating leverage expected for the year Margins expected to remain stable Scotiabank Strategy in Action Global Wealth Management 2013 Outlook Chris Hodgson Group Head, Global Wealth Management Scotiabank

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