Growing Earnings and Risk Review

Scotiabank Scotiabank Inverlat - growing earnings ◉ Growing retail business increase in credit cards and other retail loans • +24,000 credit card accounts; +15,000 car loans ➤ increase in retail & commercial deposits: +20% " Record call centre volumes " 545,000 visits to Inverweb in October 2001 5.5 million calls year-to-date: +30% yr/yr Very good penetration of commercial & corporate market loans up 25% Scotiabank VOLKSWAGEN A MAGNA TELMEX. 25 Risk Review John Crean Senior Executive Vice-President Global Risk Management 26 26

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