Q1 2010 Scotiabank Risk Review and Outlook

Scotiabank Overview Rick Waugh President & Chief Executive Officer Q1 2010 Overview Strong Quarter - EPS up 14% vs. Q1/09 Strong ROE - 17.4% in Q1/10 Industry-leading credit performance Record revenues . Expenses remain well managed Strong capital position - Tier 1 from 10.7% to 11.2% Scotiabank 4

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