Q3/09 Financial Performance Overview

Scotiabank Scotiabank Overview Rick Waugh President & Chief Executive Officer 3 Strong Third Quarter Financial Performance: EPS (diluted): $0.87, up 7% Q/Q Record revenues, up 11% Y/Y ROE: 18.0% Business line contribution: Record Quarters - Canadian Banking & Scotia Capital Credit Risk: - Provisions in line with expectations and moderating Capital: - Tier 1: 10.4% - TCE: 8% 4

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