Scotiabank Earnings Report

• Strategy in Action Overview Rick Waugh Chief Executive Officer Record 2012 Results Record Year - Net income: $6,466 million EPS: $5.22 . Includes $0.61 of real estate gains ROE: 19.7% Scotiabank Revenue growth of 14% (11% excluding one-time gains) Recently completed acquisition of ING DIRECT Canada Credit conditions continue to be stable Capital position remains strong and high quality Scotiabank

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