Investor Presentaiton

Strong YTD Earnings and Revenue Growth Business Line Net Income Revenue Canadian Banking 18% 13% International Banking² 6% 12% Global Wealth Management 12% 14% Global Banking and Markets 5% 4% All Bank³ 16% 13% (1) Net income attributable to equity holders of the Bank (2) (3) Q3/13 excludes gain on sale of a subsidiary by an associated corporation in Thailand and two other non-recurring charges in International Banking. See page 7 of the Q3/13 Report to Shareholders. Excludes real estate gains in Q1 and Q3, 2012 as well as non-recurring items in Q3/13. Revenue on a taxable equivalent basis Scotiabank Financial Review Sean McGuckin Chief Financial Officer Scotiabank

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