Strengthening Capital and Wealth Management Presentation

42 Stabilizing Trend in Net Impaired Loan Formations ($ millions) 1,200 1,000 800 600 400 200 0 Scotiabank Q2/08 Q3/08 Q4/08 Q1/09 Q2/09 Q3/09 Q4/09 Q1/10 Q2/10 Q3/10 Q4/10 Q1/11 Q2/11 Stabilizing Trend in Gross Impaired Loans ($ billions) 6.0 5.0 4.0 3.0 2.0 1.0 0.0 Q2/08 Q3/08 Q4/08 Q1/09 Q2/09 Q3/09 Q4/09 Q1/10 Q2/10 Q3/10 Q4/101 Q1/11 Q2/11 GILs ex. R-G R-G Premier Bank GILS as % of Loans & BAS -- GILS as % of Loans & BAs ex. R-G (1) Decline in R-G Premier Bank's GILs in Q4/10 reflects preliminary purchase price allocation that reduced carrying value to its estimated fair value T Scotiabank 2.0% 1.8% 1.6% 1.4% 1.2% 1.0% 0.8% 0.6% 0.4% 0.2% 0.0% 21 24

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