2013 Q1 Earnings Presentation

39 International Loan Growth By Region (Year-over-year, average balances using constant FX rates) 37% Retail Loans 33% 22% 23% 17% Commercial Loans 12% 10% 16% 6% 11% 0% Asia 4% Latin America Caribbean & Central America -7% Total 15% 7% Latin America Caribbean & Central Total America Colpatria Note: Asia retail loan growth has been excluded as these loans are predominately within Thanachart Bank, which is not consolidated Scotiabank Q1 2013 Trading Results and One-Day Total VaR ($ millions) (5) (10) - (15). (20) - (25) 225050501225 40 Scotiabank - Actual P&L - 1-Day Total VaR Митил Average 1-Day Total VaR Q1/13: $17.4MM Q4/12: $19.0MM Q1/12: $17.5MM

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