Scotiabank Business Line Results

Scotiabank Changes in margin Versus Q2/02 Q2/01 Q1/02 Net interest margin 2.34% (7)bp Scotiabank $ millions A Decline from Q1/02 due to lower foreign currency spreads mainly in Latin America 9 Changes in other income Q2/02 Q1/02 change 1,058 869 22% Reported Q2/02 Q2/01 change 1,058 1,014 4% 16 Tax settlement 16 14 45 Quilmes (devaluation) 14 46 (107) Argentine charges 1,028 931 10% Underlying 1,028 968 6% 10

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