Strategy in action

25 • International Banking: 2012 Outlook Continued momentum in loan & deposit growth Diversification is a strength & will generate balanced regional results Commercial & Retail growth initiatives are producing intended results • Expense focus remains a priority • Second half of the year will be driven by good momentum in our underlying businesses and the Banco Colpatria acquisition Scotiabank Strategy in action Global Wealth Management 2012 Outlook Chris Hodgson Group Head, Global Wealth Management Scotiabank

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