Q3/11 Financial Performance and Outlook

19 Risk Outlook • • Asset quality remains strong Retail and Commercial portfolios performing well Continued strength in Corporate portfolios Expect 2011 provisions to come below 2010 Lower Retail and Commercial provisions Corporate provisions modestly higher due to lower recoveries Anatol von Hahn Group Head, Canadian Banking Scotiabank Canadian Banking 2011 Outlook Scotiabank 10

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