Investor Presentaiton

• Risk Outlook Asset quality remains strong Retail and Commercial portfolios performing well Continued strength in corporate portfolios Expect 2011 provisions to be moderately lower than 2010 Continued decline in Canadian retail provisions International retail provisions in line with 2010 levels Modest new provisions in corporate and commercial portfolios Scotiabank Scotiabank Canadian Banking 2011 Outlook Anatol von Hahn Group Head, Canadian Banking 19

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