Investor Presentaiton

Canadian Banking Retail: Loans and Provisions 135 (balances at Q1/11, $ billions) Total = $179B; 92% secured 23 12 9 (1) (2) % secured PCL Mortgages 100% Lines of Credit 67% Personal Loans 97% Credit Cards 37% Q1/11 Q4/10 Q1/11 Q4/10 Q1/11 Q4/10 Q1/11 Q4/10 $ millions 3 3 30 40 47 55 54 41 % of avg. 1 1 51 68 156 181 239 180 loans (bps) (1) Before securitizations of $17 billion & mortgages converted to MBS of $19 billion; 52% insured (including $15 billion portfolio insurance); LTV in mid-50s for uninsured portfolio (2) Includes $6 billion of Scotialine VISA Scotiabank 45 International Banking Retail: Loans and Provisions (balances at Q1/11, $ billions) 12.6 2.8 0.8 Total Portfolio = $25B 78% secured Personal Loans ($6.8 B) Credit Cards ■Mortgages ($ 1.9 B) ($16.5 B) 5.0 4.8 9.0 10 +0.4 1.6 2.8 0.1 1.4 3.6 3.1 0.6 0.8 C&CA % of total 50% Mexico 19% Chile Peru 19% 11% PCL Q1/11 Q4/10 Q1/11 Q4/10 Q1/11 Q4/10 Q1/11 Q4/10 $ millions 47 41 28 45 14 17 21 26 % of avg. 147 125 223 350 120 150 303 389 loans (bps) Scotiabank 46

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