International Banking: Second Half 2010 Outlook

Scotiabank Overview Rick Waugh President & Chief Executive Officer Q2 2010 Overview . Record quarter - Net income: $1,097 million EPS up 26% vs. prior year, and 12% vs. Q1 Strong ROE: 19.9% Continued strong risk management performance Continuing to make accretive & disciplined acquisitions Thanachart Bank acquisition of Siam City Bank - Acquisition of R-G Premier Bank in Puerto Rico - Both have very attractive risk/return profiles Scotiabank 4

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