International Banking and Risk Review

Scotiabank Scotiabank Performance Review Luc Vanneste Executive Vice-President & Chief Financial Officer 7 Solid Quarter Q2/09 Qtr/Qtr Yr/Yr Reported Net income ($MM) $872 +4% (11)% EPS $0.81 +1% (16)% ROE 17.6% 70 bps (380) bps Productivity ratio 51.4% (730) bps (340) bps Quarter over quarter + Growth in net interest income + Stronger trading, securitization revenues + Lower expenses - Higher credit provisions - Higher taxes 8

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