Canadian and International Banking Performance Overview

Scotiabank Overview Rick Waugh President & Chief Executive Officer 2010 Overview • Record earnings ➤ Net income: $4,239 million ➤EPS: $3.91, up 18% vs. prior year ➤ ROE: 18.3% Record revenue and net income with all platforms contributing to success Record net income in Canadian Banking Continued strength in risk management Strong capital ratios Scotiabank 4

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