2010 Financial Overview

Exceeded 2010 Targets Objective ROE Target Actual 16% to 20% 18.3% EPS Growth 7% to 12% 18% Productivity Ratio < 58% 51.8% Capital ratios Strong Capital Ratios Tier 1: 11.8% TCE: 9.6% Scotiabank Scotiabank Financial Review Luc Vanneste Executive Vice-President & Chief Financial Officer 5

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