Strengthening Capital and Wealth Management Presentation

18 Risk Review Rob Pitfield Group Head and Chief Risk Officer Scotiabank Q2 2011 Risk Overview • Risk in credit portfolios continues to be well-managed Significant decline in specific provisions year-over-year Overall credit quality of loan portfolios continues to improve • Market risk remains stable and well controlled Average 1-day VaR: $12.1MM vs. $11.7MM in Q1/11 Scotiabank 9

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