Scotiabank Financial Performance Review

Scotiabank Net impaired loans stable Net Impaired Loans ($ millions) 579 570 601 579 584 207 239 329 360 357 245 245 215 208 229 118 95 35 Q4/06 Q1/07 Q2/07 Q3/07 Scotia Capital Domestic International 33 Q4/07 Quarterly VaR by risk factor Scotiabank Average 1 day VaR, $ millions Risk Factor Q4/07 Q3/07 Q4/06 Interest rate 9.2 9.0 7.4 6.1 8.7 5.9 Equities Foreign exchange 3.9 3.3 1.3 & Commodities Diversification (6.0) (5.4) (4.5) All-Bank VaR 13.2 15.6 10.1 34

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