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Investor Presentaiton

39 YTD International Loan Growth By RegionĀ¹ (Year-to-date, average balances using constant FX rates) 40 23% Retail Loans 19% 5% 11% 15% 6% 14% 9% 12% 4% Latin America Caribbean & Total Central America Commercial Loans 8% 2% 6% 1% Latin America 0% Caribbean & Central America Asia Total (1) Colpatria and Credito Familiar Calculated as average year-to-date balances as at July 31, 2012 vs. average year-to-date balances as at July 31, 2013. Asia retail loan growth has been excluded as these loans are predominately within Thanachart Bank, which is not consolidated Scotiabank Q3 2013 Trading Results and One-Day Total VaR ($ millions) 25 20 15 10 1250 50 0 (20) (25) NAGOG (5) (10) - (15) - Scotiabank -Actual P&L - 1-Day Total VaR Average 1-Day Total VaR Q3/13: $17.4MM Q2/13: $16.8MM Q3/12: $20.0MM
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