Strategic Economic and Financial Overview

Strategy in action Overview Rick Waugh President & Chief Executive Officer Q3 2012 Overview Strong quarter • - Net income: $2,051 million EPS: $1.69, including: • $0.53 gain on the sale of Scotia Plaza Scotiabank $0.06 increase in the collective allowance ROE: 24.6% Revenue growth of 11% excluding the Scotia Plaza gain Diversified business model continues to drive sustainable long-term growth Credit conditions in line with expectations Capital position remains strong and high quality Confident of achieving 2012 financial objectives Scotiabank

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