Investor Presentaiton

Scotiabank $ millions Trend in Specific Provisions Domestic: Retail Q2/07 Q3/07 Q4/07 Q1/08 Q2/08 68 68 72 Commercial 28 (2) 66 27 77 78 288 6 91 225 79 82 12 20 102 International Retail 42 Commercial (12) (17) 30 Scotia Capital (51) (10) 45 $སྐྱེས €⌘ ¥S8 €8 64 69 (29) (34) (9) 30 60 (10) (10) (9) 111 153 Scotiabank 27 Trend in Net Impaired Loans Net Impaired Loans 845 ($ millions) 148 impact of recent 689 acquisitions in Chile, 51 579 584 601 Guatemala & Dominican Republic 377 341 360 329 357 244 291 215 208 229 35 53 29 Q2/07 Q3/07 Q4/07 Q1/08 Q2/08 Scotia Capital Domestic ■International 28

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