Investor Presentation Third Quarter, 2008
€
Scotiabank
%
1.86
Increase in All-Bank Net Interest Margin
All Bank
1.87
1.79
1.79
1.76
2.56
Domestic
2.49
2.52
2.35
2.33
International
4.32
4.27
4.18
4.14
4.10
0.59
Scotia Capital
0.96
0.69
0.66
0.60
All-Bank margin: +3 bps qtr/qtr
Domestic margin: +3 bps qtr/qtr
+ lower funding rates
International margin: +4 bps qtr/qtr
+ higher spreads in Mexico & Caribbean &
Central America
- lower margins in Peru
Scotia Capital margin: +6 bps qtr/qtr
+ higher spreads in Canada & United States
+ lower trading assets
Q3/07
Q4/07
Q1/08
Q2/08
Q3/08
Scotiabank
0.50%
0.40%
39
Relative NPL Performance
Net Impaired Loans as % of Total Loans and Acceptances
0.39%
0.47%
0.36%
0.32%
0.30%
0.25%0.24%
0.25%0.26%
0.26%
0.20%
0.10%
0.00%
Q3/07
Q4/07
Q1/08
BNS 4 Cdn. Bank Peers
40
Q2/08
Q3/08View entire presentation