Scotiabank Risk and Credit Portfolio Overview

Scotiabank Scotiabank Overview Rick Waugh President & Chief Executive Officer Strong Financial Performance Q3/07 Yr/Yr Qtr/Qtr Net Income ($ millions) $1,032 +10% (1)% EPS $1.02 +10%* (1)% ROE 22.7% (0.1)% (0.7)% Productivity Ratio 53.0% 0.8% 0.8% Improvement * 16% excluding VAT recovery in Q3/06 4

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