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Investor Presentaiton

31 Canadian Banking: Volume Growth Scotiabank Q3/11 Q2/11 Q/Q Average Balances ($ billions) Q3/10 Y/Y 139.2 136.7 2.5 Residential Mortgages¹ 130.1 9.1 37.2 36.6 0.6 Personal Loans 36.2 1.0 8.8 8.7 0.1 Credit Cards² 9.0 (0.2) Business Loans & 25.6 24.9 0.7 24.1 1.5 Acceptances 100.6 100.4 0.2 Personal Deposits 97.6 3.0 41.4 39.7 1.7 Non-Personal Deposits 39.0 2.4 (1) Before securitization (2) Includes ScotiaLine VISA Canadian Banking: Market Share Market Share (%) Q3/10 Q4/10 Q1/11 Q2/11 Q3/11 Residential Mortgages¹ 20.40 20.53 20.54 20.47 20.30 Total Personal Lending¹ 18.27 18.27 18.20 18.14 18.14 Total Personal Deposits 1, 2 17.94 18.05 18.11 18.20 18.07 Small Business Lending³ 14.87 15.84 15.98 16.00 15.35 32 (1) Market share statistics are issued on a one-month lag basis (Q3/11: June 2011) and are based on a comparison of the "Big-6" banks (2) Restated to reflect new methodology, reflects market share amongst "Big-6" banks (3) Small Business statistics are on a four-months lag basis (Q3/11: March 2011) Sources: Personal Lending and Personal Deposits - Bank of Canada; Small Business Lending - CBA Scotiabank 16
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