Financial Overview and 2012 Outlook

23 Canadian Banking: 2012 Outlook Scotiabank • • • Continue to invest in Deposits and Payments business and to build on our existing partnership with Global Wealth Management Asset growth expected to moderate in Retail but Commercial Banking stronger Small Business Banking expected to grow and take market share • Continued pressure on the margin PCL's expected to remain stable • Expense management remains a key priority Brian Porter Group Head, International Banking International Banking 2012 Outlook Scotiabank 12

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