Q3/11 Financial Performance and Outlook

Canadian Banking: 2011 Outlook Scotiabank . • • Retail asset growth slowing, continued opportunities in Commercial Continuing deposit growth in retail, commercial and small business Margin pressure from low interest rate environment, in-line with market Retail PCLs stable going forward. Commercial PCLs impacted by single large account in Q3 21 • Expense control remains a priority Brian Porter International Banking 2011 Outlook Group Head, International Banking Scotiabank 11 11

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