Scotiabank Asset Growth and Business Line Outlook

Scotiabank 0.80% 0.60% 0.40% Relative PCL Performance Specific Provisions as % of Average Loans and Acceptances 0.24% 0.20% 0.16% 0.14% 0.32% 0.26% 0.24% 0.00% 2005 2006 Scotiabank (Outstandings at Q2/09, $ billions) 119* 0.13% 2007 0.51% 2008 BNS 4 Cdn. Bank Peers 47 0.37% 0.72% 0.56% Q1/09 Q2/09 Canadian Retail Loans and Provisions 21 Total = $160B -- 92% secured 11 9 % of total Mortgages 74% Lines of Credit Personal Loans Credit Cards** 13% 7% 6% PCL Q1/09 Q2/09 Q1/09 Q2/09 Q1/09 $mm 2 2 24 22 59 Q2/09 67 Q1/09 37 Q2/09 35 % of avg. 1 1 49 45 210 241 161 158 loans (bps) * before securitizations of $19 billion 48 ** includes $6 billion of Scotialine VISA

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