Investor Presentation

Scotiabank Positive trend in net impaired loans net impaired loans, $ millions 559 12 Q1/03 Q2/03 Q3/03 Q4/03 Q1/04 27 Lower specific provisions Scotiabank specific provisions, $ millions Change Q1/04 vs. Q1/03 Change vs. Q4/03 Domestic: 92 16 44 International: 7 (21) (38) Scotia Capital: - Canada - U.S. 18 16 (18) 26 (98) (23) - Europe 27 (71) 90 71 (153) 49 Other I 3 (5) Total 170 (155) 50 28 NNN 30

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