Scotiabank Earnings Report

Net Impaired Loan Formations ($ millions) 500 400 326 299 300 200 100 0 Q1/11 Q2/11 1 394 374 355 295 241 216 Q3/11 Q4/11 Q1/12 Q2/12 Q3/12 Q4/12 (1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico Scotiabank 43 44 Downward Trend in Gross Impaired Loans %" ($ billions) 3.7 3.6 3.5 3.4 3.3 3.2 3.1- 1.15% 1.10% 1.05% 1.00% 0.95% 3.0 0.90% Q1/11 Q2/11 Q3/11 Q4/11 Q1/12 Q2/12 Q3/12 Q4/12 GILS -GILS as % of Loans & Bas (1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico Scotiabank

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