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G L O B A L T R A N S A C T I O N B A N K I N G 1
LOCAL STRENGTH WITH GLOBAL REACH
An Overview of Scotiabank and Global Transaction Banking
Company Version (8.5x11)
G L O B A L T R A N S A C T I O N B A N K I N G 2
OVERVIEW
Scotiabank (as at April 30, 2011)
An international bank that operates in more than 50 countries around the world.
Established almost 180 years ago and based in Toronto, Canada.
Provides a complete range of financial solutions to individuals, small and medium enterprises, and corporate, institutional and government clients.
A multinational bank that operates as a local bank and serves over 18 million customers in 3,276 branches and offices worldwide through its team of more than 73,000 employees.
G L O B A L T R A N S A C T I O N B A N K I N G 3
OVERVIEW
Global Presence (as at April 30, 2011)
G L O B A L T R A N S A C T I O N B A N K I N G 4
Financial Highlights
1 Represented in Canadian dollars. Conversion to U.S. dollars at the average exchange rate of 0.98954 for the six months to April 30, 2011 is $2,772 million. 2 Represented in Canadian dollars. Conversion to U.S. dollars at the spot exchange rate of 0.945906 as at April 30, 2011 is $604 billion.3 Definitions are available on page 31. ⁴
As at April 30.
Q2/2011 YTD Q2/2010 YTD Fiscal Year 2010
Net income (CDN)3 $2,743 million1 $2,085 million $4,239 million
Return on equity (ROE) 20.6% 18.7% 18.3%
Earnings per share (diluted)
$2.44 $1.93 $3.91
Productivity ratio3 53.1% 50.2% 51.8%
Tier 1 capital ratio3 12.0%4 11.2%4 11.8%
Tangible common equity to risk-weighted assets3 9.3%4 8.9%4 9.6%
OVERVIEW
Worldwide Assets of approximately $572 billion2 as at April 30, 2011
G L O B A L T R A N S A C T I O N B A N K I N G 5
OVERVIEW
Scotiabank is among the world’s top banks by market capitalization
Market Capitalization
Source: Bloomberg Finance L.P. and Capital IQ as at June 1, 2011.
Dow Jones Global Bank Titans 30 Index As at June 1, 2011
Rank Country Bank Market Cap. (CAD$ MM)
1 CN Industrial and Commercial Bank of China Limited 246,597.80 2 CN China Construction Bank Corporation 225,878.10 3 GB HSBC Holdings plc 176,605.70 4 US JPMorgan Chase & Co. 161,195.20 5 US Wells Fargo & Company 138,413.20 6 US Citigroup, Inc. 111,927.50 7 US Bank of America Corporation 110,637.10 8 ES Banco Santander, S.A 95,679.80 9 BR Itaú Unibanco Holding S.A. 90,676.80
10 FR BNP Paribas 90,583.80 11 AU Commonwealth Bank of Australia 82,306.50 12 CA Royal Bank of Canada 78,326.40 13 CH UBS AG 72,147.30 14 CA The Toronto-Dominion Bank 71,605.70 15 AU Westpac Banking Corporation 68,563.50 16 BR Banco Bradesco S.A. 66,010.90 17 JP Mitsubishi UFJ Financial Group 64,624.80 18 CA The Bank Of Nova Scotia 62,920.70 19 AU Australia & New Zealand Banking Group Ltd. 59,545.00 20 AU National Australia Bank Limited 58,829.20 21 GB Lloyds Banking Group plc 54,596.00 22 DE Deutsche Bank AG 53,223.30 23 GB Barclays PLC 51,312.70 24 CH Credit Suisse Group 50,489.40 25 BR Banco Bilbao Vizcaya Argentaria, S.A. 50,203.50 26 US U.S. Bancorp 46,227.20 27 FR Societe Generale Group 40,867.60 28 IT UniCredit S.p.A. 39,628.90 29 JP Sumitomo Mitsui Financial Group Inc. 39,307.50 30 IT Intesa Sanpaolo SpA 31,127.10
Scotiabank’s
Ranking Among North American Banks
Rank Bank
1 JPMorgan Chase & Co. 2 Wells Fargo & Company 3 Citigroup, Inc. 4 Bank of America Corporation5 Royal Bank of Canada 6 The Toronto-Dominion Bank 7 The Bank Of Nova Scotia 8 U.S. Bancorp
G L O B A L T R A N S A C T I O N B A N K I N G 6
Cash Management & PaymentsOperating and Investment AccountsCash ManagementElectronic BankingPaymentsCommercial CardsGlobal Payments in foreign currenciesReconciliation and Fraud Detection services
Trade ServicesImport and Export SolutionsStandby Letters of CreditCommodity Trade FinanceCustomized Trade FinanceOnline Trade SolutionsReverse FactoringPre/Post Shipment FinancingSubsidiary FinancingCross Border Guarantees
GLOBAL TRANSACTION BANKING CAPABILITIES
GTB brings together cash management, payments, business deposits, electronic banking, trade services and correspondent banking services from across the Bank to meet the banking needs of customers around the globe. Our capabilities include:
With coverage across North America, the Caribbean, Central and South America, Europe, the Middle East, and Asia, our dedicated Relationship Managers bring together specialists from across Scotiabank to deliver customized solutions and seamless integration of our products and services.
Correspondent Banking
Global NetworkOn-the-GroundKnowledge Comprehensive Relationship
ManagementCommitted to CustomerServiceRepresentative Offices
Financial Supply Chain ManagementTailored Working Capital Solutions
Global Transaction Banking
G L O B A L T R A N S A C T I O N B A N K I N G 7
Commercial CardsDevelopments in 2011
G L O B A L T R A N S A C T I O N B A N K I N G 8
Commercial CardsAwards & Achievements
G L O B A L T R A N S A C T I O N B A N K I N G 9
AWARDS AND ACHIEVEMENTS
In 2010, Scotiabank was third globally of all VISA issuing Banks for number of awards won (5) , with only two other banks winning more. The awards recognize and acknowledge consistent, superior operational performance amongst VISA issuers (22,000 worldwide).
The Awards specific to the Commercial Card program were:
•Highest Authorization Approval Rate: This award recognizes customer service orientation, indicating that an issuer’s approval parameters have been set high enough to approve as many authorization requests as possible while still controlling risk.
•Highest Chargeback Effectiveness Rate: This award reflects efficiency in processing exception items, and acknowledges those issuers with the fewest percentage of charge backs returned as re-presentments.
G L O B A L T R A N S A C T I O N B A N K I N G 10
Michel CardinalDirector
Vimal Wickramasinghe (S.M)Implementation & Support
Debra Remeshylo (S.M.)Implementation & Support
Rosie BazarganiAdministration
Tom Cryan (P.M)Implementation & support
Ellen Kokkros (S.A)Implementation & Support
Carlos Wilson (P.M)Implementation & support
Jessica Coelho (S.A)Implementation & Support
Erica Bohorquez (S.A)Implementation & Support
Reisha Moffat (P.M)Implementation & support
Kirk Mason (S.A)Implementation & Support
Joseph Migliacci (P.M)Implementation & support
Priom Howlader (P.M.)Implementation & Support
Janelle Bernardo (S.A)Implementation & Support
Ruta Girdauskas (S.M.)Commercial Cards
Josie Piazza Product Manager
Maria Fathallah (S.M)Business card
Heather di Santo,Product Manager
Frances NakamurraProduct Manager
Tina PleauProduct Manager
Zulqer Khan (P.M)Implementation & support
COMMERCIAL CARDS – ORGANIZATIONAL REALIGNMENT
G L O B A L T R A N S A C T I O N B A N K I N G 11
Cameron McPhailCommercial Card
VP & Director
Regional Commercial CardSales Force
Don MansonSr. Growth manager
Rosie BazarganiAdministration
Donna MarcucciSr. Growth Manager
Darren Ing (S. Manager)Western Corporate Sales
Jason Straw (S. Manager)Ontario Corporate Sales
Sean Francis (S. Manager)Eastern Canada,
Commercial/Corporate Sales
Donna FreemanSr. Growth Manager
Shirley CunninghamSr. Growth manager
Ted TrenholmSr. Growth Manager
Shaun EastSr.Growth Manager
Adam Ferguson (S. Manager)Central Canada Corporate Sales
Mindy Combow (S. Manager)U.S. Corporate Sales
Irene Lauria (S. Manager)Ontario
Commercial/Corporate Sales
COMMERCIAL CARDS – ORGANIZATIONAL REALIGNMENT
G L O B A L T R A N S A C T I O N B A N K I N G 12
• We are happy to announce a new business partnership with:
An industry leader in expense management solutions
COMMERCIAL CARDS – NEW STRATEGIC PARTNERSHIP
G L O B A L T R A N S A C T I O N B A N K I N G 13
•Negative growth from 2007 to 2009
COMMERCIAL CARDS – THE BIG PICTURE
G L O B A L T R A N S A C T I O N B A N K I N G 14
•Negative growth from 2007 to 2009 •Since 2009, Purchasing and Travel spend has rebounded sharply and continues to show solid growth
COMMERCIAL CARDS – THE BIG PICTURE
G L O B A L T R A N S A C T I O N B A N K I N G 15
•Negative growth from 2007 to 2009 •Since 2009, Purchasing and Travel spend has rebounded sharply and continues to show solid growth
2009Est 2010Est 2012Proj
Purchasing $ 161 Bln $ 176 Bln $ 213 Bln
Travel $138 Bln $156 Bln $ 170 Bln
COMMERCIAL CARDS – THE BIG PICTURE
G L O B A L T R A N S A C T I O N B A N K I N G 16
•Negative growth from 2007 to 2009 •Since 2009, Purchasing and Travel spend has rebounded sharply and continues to show solid growth
2009Est 2010Est 2012Proj
Purchasing $ 161 Bln $ 176 Bln $ 213 Bln
Travel $138 Bln $156 Bln $ 170 Bln
•Approximately $40Bln in transaction cost savings in 2010 from the use of Purchasing cards
COMMERCIAL CARDS – THE BIG PICTURE
G L O B A L T R A N S A C T I O N B A N K I N G 17
•Negative growth from 2007 to 2009 •Since 2009, Purchasing and Travel spend has rebounded sharply and continues to show solid growth
2009Est 2010Est 2012Proj
Purchasing $ 161 Bln $ 176 Bln $ 213 Bln
Travel $138 Bln $156 Bln $ 170 Bln
•Approximately $40Bln in transaction cost savings in 2010 from the use of Purchasing cards•Surveys indicate that corporations continue to be bullish about their intentions to expand their card programs
COMMERCIAL CARDS – THE BIG PICTURE
G L O B A L T R A N S A C T I O N B A N K I N G 18
•Negative growth from 2007 to 2009 •Since 2009, Purchasing and Travel spend has rebounded sharply and continues to show solid growth
2009Est 2010Est 2012Proj
Purchasing $ 161 Bln $ 176 Bln $ 213 Bln
Travel $138 Bln $156 Bln $ 170 Bln
•Approximately $40Bln in transaction cost savings in 2010 from the use of Purchasing cards•Surveys indicate that corporations continue to be bullish about their intentions to expand their card programs •Use of Electronic Accounts Payable (non-plastic accounts) continues to grow
COMMERCIAL CARDS – THE BIG PICTURE
G L O B A L T R A N S A C T I O N B A N K I N G 19
•Negative growth from 2007 to 2009 •Since 2009, Purchasing and Travel spend has rebounded sharply and continues to show solid growth
2009Est 2010Est 2012Proj
Purchasing $ 161 Bln $ 176 Bln $ 213 Bln
Travel $138 Bln $156 Bln $ 170 Bln
•Approximately $40Bln in transaction cost savings in 2010 from the use of Purchasing cards•Surveys indicate that corporations continue to be bullish about their intentions to expand their card programs •Use of Electronic Accounts Payable (non-plastic accounts) continues to grow•Growing interest in “straight-through-processing” or “buyer initiated payments”
COMMERCIAL CARDS – THE BIG PICTURE
G L O B A L T R A N S A C T I O N B A N K I N G 20
However, some threats still very present:
•North American economy still facing serious headwinds double-dip recession?
•Massive changes to US regulatory environment (Frank-Dodd and Durbin amendment) may pose a threat to issuers
COMMERCIAL CARDS – THE BIG PICTURE
G L O B A L T R A N S A C T I O N B A N K I N G 21
OUR KEY OBJECTIVES FOR THE CONFERENCE
• The conference is devised to help you get the most out of your respective card programs.
• Please network to your heart’s content, you’ll have ample opportunity to do so.
• Enjoy and learn from the numerous presentations by Bank personnel, guest speakers and clients
• Please let us know how we are doing and what we can do to continue to improve our products and service level. . .
G L O B A L T R A N S A C T I O N B A N K I N G 22
Let’s get started !