Scotiabank Risk and Credit Portfolio Overview

Scotiabank Scotiabank Appendix 35 Good Underlying Growth EPS Impact (cents) Qtr/Qtr Trading revenues 4 Yr/Yr 8 Securities gains 3 0 2 Longer quarter (3 days) 2 Higher tax rate (1) Interest recoveries (3) (1) Provisions for credit losses (5) VAT Recovery Forex GG5 (5) (5) (2) (5) (1) Business growth Change in reported EPS 4 10 (1) cent 9 cents 36

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