Scotiabank Financial Overview

Scotiabank Scotiabank EPS ($) Overview Rick Waugh President & Chief Executive Officer 3 Earnings growth 0.89 0.84 0.81 0.80 0.77 ROE (%) 22.3 - 23.2 21.6 20.5 19.9 Net Income* ($millions) 887 844 822 803 775 Q2/05 Q3/05 Q4/05 Q1/06 Q2/06 *Net income available to common shareholders 4 ■ Record results EPS: $0.89 vs. $0.81 in Q2/05 ROE: 23.2% vs. 22.3% in Q2/05 Volume growth across all businesses Margin stable qtr/qtr Stable credit quality Strong capital position

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