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Consolidated Financial Statements <br />Consolidated Balance Sheet <br />As at October 31 (f millions) <br />Assets 2008 2007 <br />Cash resources <br />Cash and non-interest-bearing deposits with banks $ 2,574 $ 2,138 <br />Interest-bearing deposits with banks <br />Precious metals 32,318 23,011 <br /> 2,426 4,046 <br />Securities (Note 3) 37,318. _, _ 29,195 W <br />Trading <br />Available-for-sale 48,292 59,685 <br />Equity accounted investments <br />38,823 <br />28,426 <br /> _ 920 72 <br />4 <br /> <br />Securities purchased under resale agreements <br />88,035 _ <br />_ <br />_ <br />_ 88,835 <br />Loans (Note 4) 19,451 22,542 <br />Residential mortgages <br />Personal and credit cards 115,084 102,154 <br />Business and government 50,719 41,734 <br /> 125,503 85,500 <br />Allowance for credit losses (Note 5 (b)) 291,306 229,388 <br /> 2,626 2,241 <br />Other 288,680 227,147 <br />Customers' liability under acceptances <br />Derivative instruments (Note 27 (d)) 11,969 11,538 <br />Land, buildings and equipment (Note 7) 44,810 21,960 <br />Goodwill (Note 8) 2,688 2,271 <br />Other intangible assets (Note 8) 2,273 1,134 <br />Other assets (Note 9) 282 273 <br /> 12,119 _ 6,615 <br /> <br />_74,11411 _ m <br />_ 43,791 <br />Li <br />bil $507,625 $411,510 <br />a <br />ities and shareholders' equity <br />Deposits (Note 10) <br />Personal <br />Business and government $ 118,919 $ 100,823 <br />Banks 200,566 161,229 <br /> _ 27,095 26,406 <br />Other 346,580 <br />W .._ _ 288,458 <br />Acceptances <br />Obligations related to securities sold under repurchase agreements 11.969 11,538 <br />Obligations related to securities sold short 36,506 28,137 <br />Derivative instruments (Note 27 (d)) 11,700 16,039 <br />Other liabilities (Note 11) 42,811 24,689 <br />Non-controlling interest in subsidiaries 31,063 21,138 <br /> 502 497 <br />Subordinated debentures (Note 12) <br />Capital instrument liabilities (Note 13) <br />Shareholders' equity <br />Capital stock (Note 14) <br />Preferred shares <br />Common shares <br />Retained earnings <br />Accumulated other comprehensive income (loss) (Note 16) <br />Arthur R.A. Scace <br />Chairman of the Board <br />Rick Waugh <br />President and Chief Executive Officer <br />Certain comparative amounts have been reclassified to conform with current period presentation. <br />The accompanying notes are an integral part of these consolidated financial statements. <br />134,551 10_2,038 _ <br />4,352 1,710 <br />500 500 <br />2,860 1,635 <br />3,829 3,566 <br />18,549 17,460 <br />(3,596) (3,857) <br /> <br />21,642 W <br />18,804 <br />$507,625 $ 411,510 <br />106 2008 Scotiabank Annual Report