Q3/09 Financial Performance Overview

Scotiabank Business Line Outlook Chris Hodgson Group Head, Canadian Banking Rob Pitfield Group Head, International Banking Stephen McDonald Group Head, Global Corporate & Investment Banking, & Co-CEO Scotia Capital Scotiabank . • 25 Canadian Banking Update Focused revenue growth - Growing wealth management platform, maximizing cross-sell > Scotia Funds: Led industry in net sales during July - Expanding insurance offerings - home, auto & life - Introducing innovative deposit products Loan loss provisions stabilizing - Stabilizing delinquencies in retail and commercial Optimizing cost base - Improving branch efficiency to maximize employee's sales time Leadership - New EVP, Personal and Commercial Banking 26

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