2010 Financial Overview

International Banking: 2011 Outlook Renewed asset and revenue growth as economies rebound Stronger growth in Latin and Asian markets, gradual improvement in other regions Stable margins - increasing retail asset growth, improving product mix and sales productivity Stable PCLs, with positive trend in overall portfolio Measured investments for growth, along with prudent expense management Selective acquisitions, especially in high growth areas Scotiabank Scotiabank Scotia Capital 2011 Outlook Steve McDonald Group Head, Global Corporate & Investment Banking & Co-CEO, Scotia Capital 25

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