Scotiabank Earnings Report

27 • • • • • • Global Wealth Management: 2013 Outlook Good growth across our businesses, as we continue to benefit from business mix and geographic diversification Growing earnings from International businesses, and capitalizing on recent acquisitions Strong AUM/AUA base driving Wealth, but impacted by markets Product innovations to accelerate sales momentum Consolidated online brokerage platform well positioned to grow Global Insurance outlook remains strong Good deposit growth in Global Transaction Banking • Continued scrutiny on expense management Scotiabank Strategy in Action Global Banking & Markets 2013 Outlook Steve McDonald Group Head, Global Corporate and Investment Banking & Co-CEO, Global Banking & Markets Scotiabank

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