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Investor Presentaiton

Scotiabank Revenues (TEB) ($ millions) 847 Scotia Capital Record Revenues 1,104 614 652 400 Q3/09 vs. Q2/09 revenues: up 30% Global Capital Markets + broad based strength, particularly higher derivatives revenues Global Corporate & Investment Banking + higher spreads, loan origination & credit fees, partly offset by lower average loan volumes 354 490 447 298 Q3/08 Q2/09 Q3/09 Global Capital Markets (GCM) Global Corporate & Investment Banking (GC&IB) Q3/09 vs. Q3/08 revenues: up 69% Global Capital Markets + record revenues in derivatives + strong results in fixed income, foreign exchange, equity trading, underwriting and precious metals Global Corporate & Investment Banking + higher loan volumes, interest margins, loan origination fees, and credit fees + FV changes in securities Scotiabank 39 Trend in PCL Ratios PCL as % average of loans & BAS Q3/08 Q4/08 Q1/09 Q2/09 Q3/09 Canadian Banking Retail Commercial Total 0.20 0.20 0.30 0.32 0.33 0.34 0.42 0.50 0.83 0.52 0.22 0.23 0.33 0.39 0.36 International Banking Retail 1.64 2.01 2.32 2.24 2.67 Commercial -0.28 -0.15 -0.12 -0.09 0.32 Total 0.40 0.59 0.69 0.70 1.14 Scotia Capital (lending 0.04 0.10 0.07 0.87 1.10 * book only) All Bank 0.23 0.29 average loans & BAs in Scotia Capital's lending book decreased $9B vs. Q2/09 40 0.37 0.56 0.66
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