Investor Presentaiton

Scotiabank ☐ 2007 Priorities Continued focus on sustainable revenue growth in all business lines while maintaining strong expense management and credit discipline Deploy capital effectively - ― organic growth acquisitions dividend increases & share buybacks Continued emphasis on leadership development 31 2007 objectives Scotiabank ■ EPS growth: 7-12% ROE: 20-23% Productivity ratio - less than 58% ■ Maintain strong capital ratios & credit ratings 32

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