International Banking and Risk Review

5 Specific Provisions for Credit Losses. Scotiabank $ millions Q2/08 Q3/08 Q4/08 Q1/09 Q2/09 Canadian P&C Retail 82 77 78 122 126 Commercial 20 22 29 33 52 102 99 107 155 178 International P&C Retail 69 81 105 130 125 Commercial (25) (15) (14) (10) 60 56 90 116 115 Scotia Capital (9) 4 10 10 109* 153 159 207 281 402 PCL ratio (bps) 24 23 29 37 56 * U.S.: $74mm; Canada: $35mm 25 Scotiabank $ millions Specific Provisions: Retail 252 251 183 130 125 158 151 105 69 69 81 122 126 82 77 78 Q2/08 PCL ratio (bps) 41 Q3/08 Q4/08 Q1/09 Q2/09 Canadian Banking International Banking 40 26 44 61 63

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