2013 Outlook Presentation

39 YTD International Loan Growth By Region (Year-to-date, average balances using constant FX rates) 40 Retail Loans Commercial Loans 26% 22% 7% 12% 17% 7% 8% 15% 4% 14% 10% 5% Latin America Caribbean & Total Central America Latin America 0% Caribbean & Central America Asia 4% -4% Total Colpatria and Credito Familiar Note: Asia retail loan growth has been excluded as these loans are predominately within Thanachart Bank, which is not consolidated Scotiabank Q2 2013 Trading Results and One-Day Total VaR ($ millions) 10 225050 15 (5) (10) - (15) - (20) - (25). Scotiabank -Actual P&L - 1-Day Total VaR Average 1-Day Total VaR Q2/13: $16.8MM Q1/13: $17.4MM Q2/12: $18.3MM

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