Scotiabank Earnings Report

Strategy in Action Risk Review Rob Pitfield Chief Risk Officer Scotiabank Continued Stability in All Our Portfolios • Risk in credit portfolios continues to be well-managed - Provisions for credit losses on impaired loans remain in line with expectations Overall credit quality of loan portfolio remains strong Market risk remains low and well controlled Average 1-day all-bank VaR: $19.0MM vs. $20.0MM in Q3/12 Stress tests confirm appropriateness of risk appetite 18 Scotiabank

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