Strengthening Capital and Wealth Management Presentation

30 Net Interest Margin 1.75% 1.73% 1.75% 1.68% 1.68% Q2/10 Q3/10 Q4/10 Q1/11 Q2/11 • Appendix Scotiabank Q2 Margin impacted by Scotiabank Higher volume of low spread assets ⚫ Lower spread on floating rate mortgage portfolio and increased competition for deposits • Higher volume of non-earning assets from Dundee Wealth acquisition 15

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