Investor Presentaiton

Scotiabank • • • International Banking Update Driving revenue in core businesses Upgrading delivery channels - Improving effectiveness of sales teams Expanding wealth, insurance Maintaining credit risk discipline Disciplined expense management Leadership - New EVP, Sales & Service, Products & Marketing New EVP, Latin America Scotiabank 27 Scotia Capital Update Strong, broad-based revenues - Benefit of diversification Taking advantage of current market opportunities Re-pricing continues Strategic revenue enhancement initiatives Prudently managing credit and market risks Provisions well within expectations and risk appetite Reducing risk in trading activities Leadership New EVP & Chief Administration Officer 28

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