Q1 2010 Scotiabank Risk Review and Outlook

Canadian Banking: 2010 Outlook • Record quarterly NIAT . • - #1 in mutual fund net sales & market share gains among the banks - #1 in mortgage market share gains among the banks PCLs stable Expenses well managed • 2010 growth opportunities - Wealth Management, Insurance & Commercial Banking Scotiabank Scotiabank International Banking 2010 Outlook Rob Pitfield Group Head, International Banking 21

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