Scotiabank Earnings Performance Review

Scotiabank Scotiabank Overview Rick Waugh President & Chief Executive Officer 3 Q2/08 Results Solid Quarter Change Q2/08 Yr/Yr Qtr/Qtr Net income ($ millions) $980 (6)% 18% EPS $0.97 (6)% 18% ROE 21.4% (100) bp 310 bp Productivity ratio 54.8% 100 bp (170) bp + solid asset growth + minimal write-downs 4 - lower loan loss recoveries - higher expenses

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