2013 Outlook Presentation

Overview Rick Waugh Chief Executive Officer Q2 2013 Overview Solid Q2 results • • - Net income: $1,601 million Scotiabank - Diluted EPS: $1.23 or 7% year-over-year growth ROE: 16.2% Revenue growth of 11% from Q2/12 - 7% excluding acquisitions Stable credit conditions - Continued improvement in net impaired loan formations . Capital strength continuing • Well positioned to meet 2013 full year targets Scotiabank

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