Scotiabank Earnings Report

€ Earnings well diversified Scotiabank International 9 Scotiabank ROE Scotia Capital 30% 27% 43% 5 Domestic On track to meet 2003 targets Q3/03 YTD/03 Target 17.7% 17.2% VS. 15-18% EPS Growth* 14% 5% VS. 5-10% Productivity 55.1% 54.0% VS. <58% Tier 1 10.6% 10.6% VS. 8%+ excluding 2002 charges relating to Argentina 6

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