Investor Presentaiton

Overview Rick Waugh Chief Executive Officer Scotiabank Q3 2013 Overview Solid Q3 results Net income: $1,768 million Diluted EPS: $1.37 vs. $1.69 in Q3/12 ➤ Excluding non-recurring items, $1.30 this quarter vs. $1.16 in Q3/12, an increase of 12% ROE: 17.0% Revenue growth of 12% from last year, excluding non-recurring items • Stable credit conditions reflected in lower loan loss ratio Capital strength continuing . Announced a quarterly dividend increase of two cents to $0.62 • Expect to meet 2013 full year targets Scotiabank

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