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Investor Presentaiton

Scotiabank Revenue - Solid Trends in Core Businesses Revenues (TEB) ($ millions) 3,214 3,294 245* 2,957 1,333 1,117 1,025 1,881 1,932 1,932 Q1/07 Q4/07 Q1/08 Net Interest Income (TEB) Other Income Q1/08 vs. Q1/07 revenues: down 8% ■ NII up 3% on strong volume gains in all businesses, partly offset by negative forex translation & MTM losses ■ Other income down 23%, as higher wealth management revenues were more than offset by: securities write-downs - - lower trading revenues Q1/08 vs. Q4/07 revenues: down 10% ■ NII unchanged, as very strong asset growth was offset by lower tax-exempt dividend income ■ Other income down 25% due mainly to: - - Q4 gains - Visa, bond index business higher write-downs of non-trading securities lower gains on sale of non-trading securities *Gains on VISA & sale of bond index business 11 Scotiabank Strong Asset Growth Continues average balances, $ billions 9% 429 392 104 91 42 39 99 86 99 97 77 Q1/07 87 Q1/08 Residential mortgages Personal loans Business & government (includes acceptances) Securities Other 12 + residential mortgages up 14% + personal loans up 9% + business & gov't loans up 15%
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