Investor Presentaiton

Risk Management Overview Domestic International Scotia Capital Market Risk ■ Both retail & commercial in excellent shape Caribbean in good condition Asia: improving Latin America: acquisitions now stabilized Corporate portfolio well diversified Some softening in credit conditions Widening spreads in the market Very low trading risk 21 Well Diversified by Market % of total loans & acceptances Europe Caribbean U.S.A. Latin America Asia Business Residential Mortgages Canada 22 Personal

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