Scotiabank

Profitability:

1) Basic Spread: The difference between lending and deposit interest rates,
known as the interest rate spread (IRS), is an important determinant of the profitability of a Bank.
Percent Change
9/30/2013 9/30/2012 12/31/2012 12/31/2011 12/31/2010 1 Year
Interest and Fees on Loans
246,760   252,977   334,629   361,322   262,618   -2.46
Income From Lease Financing
3,446   3,877   5,132   6,039   4,432   -11.12
  Tax-Exempt
204   1,507   1,583   6,193   8,694   -86.46
  Estimated Tax Benefit
109   811   852   3,334   4,681   -86.46
    Income on Loans & Leases (TE)
250,315   257,665   340,613   370,695   271,731   -2.85

US Treas & Agency (Excl MBS)
0   0   0   0   4   N/A
Mortgage Backed Securities
953   2,553   3,033   4,755   6,952   -62.67
  Estimated Tax Benefit
848   907   1,236   970   945   -6.58
All Other Securities
1,575   1,686   2,296   1,802   2,736   -6.58
  Tax-Exempt Securities Income
1,575   1,686   2,296   1,802   1,756   -6.58
Investment Interest Income (TE)
3,376   5,146   6,565   7,527   10,637   -34.40

Interest on Due From Banks
213   350   443   566   449   -39.14
Int on Fed Funds Sold & Resales
0   0   0   0   0   N/A
Trading Account Income
0   0   0   0   0   N/A
Other Interest Income
205   129   184   0   0   58.91

  Total Interest Income (TE)
254,109   263,291   347,805   378,789   282,817   -3.49

Int on Deposits in Foreign Off
N/A   N/A   N/A   N/A   N/A   N/A
Interest on Time Dep Over $100M
11,863   18,170   22,761   23,500   19,301   -34.71
Interest on All Other Deposits
14,214   15,380   19,859   31,176   23,059   -7.58
Int on Fed Funds Purch & Repos
47   50   59   0   0   -6.00
Int Trad Liab & Oth Borrowings
14,614   13,102   17,809   18,263   19,536   11.54
Int on Sub Notes & Debentures
0   0   0...