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Consolidated Financial Statements <br />Consolidated Statement of Changes in Shareholders' Equity <br />For the year ended October 31 (b millions) 2008 2007 2006 <br />• Preferred shares (Note 14) <br />Balance at beginning of year $ 1,635 $ 600 $ 600 <br />Issued 1,225 1,035 - <br />Balance at end of year 2,860 1,635 600 <br />Common shams (Note 14) <br />Balance at beginning of year <br />issued <br />Purchased for cancellation <br />Balance at end of year <br />Retained earnings <br />Balance at beginning of year <br />Cumulative effect of adopting new accounting policies <br />Net income <br />Dividends: Preferred <br />Common <br />Purchase of shares <br />Other <br />Balance at end of year <br />Accumulated other comprehensive income (loss)`" <br />Balance at beginning of year <br />Cumulative effect of adopting new accounting policies <br />Other comprehensive income (loss) (Note 16) <br />Balance at end of year <br />Total shareholders' equity at end of year <br />3,566 3,425 3,316 <br />266 184 135 <br />(3) (43) (26) <br />3,829 3,566 3,425 <br />17,460 15,843 14,126 <br />- (61p" (25)m <br />17,460 15,782 14,101 <br />3,140 4,045 3,579 <br />(107) (51) (30) <br />(1,896) (1,720) (1,483) <br />(37) (586) (324) <br />(11) (10) - <br />18,549 17,460 15,843 <br />(3,857) (2,321) (1,961) <br />- 683 - <br />261 (2,219) (360) <br />(3,596) (3,857) (2,321) <br />S 21,642 $ 18,804 $ 17,547 <br />• Consolidated Statement of Comprehensive Income <br />For the year ended October 31 (b millions) <br />z008 <br />2007 <br />2006 <br />Comprehensive income <br />Net income S 3,140 $ 4,045 $ 3,579 <br />Other comprehensive income (loss), net of income taxes (Note 16): <br />Net change in unrealized foreign currency translation losses 2,368 (2,228) (360) <br />Net change in unrealized gains (losses) on available-for-sale securities (1,588) (67) - <br />Net change in gains (losses) on derivative instruments designated as cash flow hedges (519) 76 - <br />Other comprehensive income (loss) 261 (2,219) (360) <br />Comprehensive income S 3,401 $ 1,826 $ 3,219 <br />(1) Refer to Note 1 for impact of new accounting polities as a resuh of new accounting standards related to financial inrtruments. <br />(2) Represents the cumulative effect of adopting a new accounting policy as a result of a new accounting standard related to stock-based compensation for employees eligible to <br />retire before the vesting date [refer to Note 1, Stock-based compensation]. <br />71te accompanying notes are an integral part of these consolidated financial statements. <br />• <br />108 2008 Scotiabank Annual Report <br />