Scotiabank Asset Growth and Business Line Outlook

Scotiabank International Banking Outlook • Slower economic growth in key markets in 2009 • Key priorities: credit risk, prudent asset growth, margins, expense control • Continuing actions to mitigate risk • Rolling out longer-term initiatives Scotiabank 21 Scotia Capital Outlook Strong, broad-based results Continued benefit from wider spreads Prudently managing credit and market risks 22

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