Risk Management and National Trust Integration Update

Mexico: excellent progress with Inverlat Inverlat Key facts 413 branches • 675 ABMs $8 bn in assets Scotiabank Turnaround underway on full US GAAP improving credit processes major strides on workouts and costs ➤ staffing down from 10,600 to 8000 upgrading branches, systems 25 new branches in 1998 ➤ over 1,000 staff trained 19

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