Investor Presentaiton

Scotiabank Canadian Banking Outlook - Balance of 2010 Chris Hodgson Group Head, Canadian Banking Canadian Banking: Balance of 2010 Outlook • • • Core businesses continue to grow and benefit from strategic investments Slowing asset growth in retail and small business offset by growth opportunities in commercial, payments and wealth Margins to remain under pressure from increased competition and higher wholesale funding costs • Provisions for credit losses stabilized and expected to decline Scotiabank 22

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