Q3/09 Financial Performance Overview

Scotiabank Scotiabank Outlook Positioned to Meet 2009 Targets Economies improving in most markets Targets are achievable: Objective Target - YTD Q3 2009 ROE 16% to 20% 17.5% EPS Growth 7% to 12% $3.26 to $3.42 $2.48 Productivity Ratio < 58% 53.5% Tier 1: 10.4% Capital Ratios Strong Capital Ratios TCE: 8% 5 Performance Review Luc Vanneste Executive Vice-President & Chief Financial Officer 6

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