Scotiabank Earnings Report

29 • • • • • Global Banking & Markets: 2013 Outlook Expecting good growth from continued focus on diversification across focus sectors, products and geographies, including growing the Global Wholesale Banking platform Market headwinds continue to create challenges, but discipline and risk focus have positioned us well Global Transaction Banking continues to provide opportunities for cross-sell and strengthening customer relationships • Mid-to-high single digit loan growth expected with stable margin PCLs to remain modest Expense management initiatives continue with objective of maintaining positive operating leverage Scotiabank Strategy in Action 2013 Targets Brian Porter President Scotiabank

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