Investor Presentaiton

Scotiabank Scotiabank ☐ Risk Review Brian Porter Group Head, Risk & Treasury 17 Q3/09 Risk Overview - Portfolios performing within expectations Specific provisions for credit losses: $466MM vs. $402MM in Q2/09 Solid coverage ratios Added $100MM to general allowance - now at $1.45 billion Total allowance to gross impaired loans ratio of 75% Market risk well controlled 18

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