International Banking and Risk Review

Scotiabank Business Line Outlook Chris Hodgson Group Head, Canadian Banking Rob Pitfield Group Head, International Banking Stephen McDonald Group Head, Global Corporate & Investment Banking, & Co-CEO Scotia Capital Scotiabank • • • • 19 Canadian Banking Outlook Revenue & Volume growth - Cautiously optimistic on asset growth despite downturn - Deposits growth strong, but moderating Acquisition integration - Re-branding of E*TRADE to Scotia iTRADE - CI & Dundee Expenses well managed Provisions impacted by challenging economic conditions, but within expectations 20

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