Strategy in action

23 • • • . • • Canadian Banking: 2012 Outlook Retail & Small Business Banking: Stable asset growth in second half of the year Focus on deposits, payments and wealth management Auto business: Remains robust with healthy asset growth Commercial Banking: Continuing opportunities for asset and deposit growth Margin: Stabilizing but under pressure PCLS: Retail delinquencies have improved Commercial PCLs stabilizing Operating leverage for the year: Continued cautious expense control with positive operating leverage Scotiabank Strategy in action International Banking 2012 Outlook Brian Porter Group Head, International Banking Scotiabank

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