Integrating Wealth Management

Capital Ratios - Strengthened Significantly % of risk-adjusted assets 9 10 LQ 5 0 10.6 11.7 Total 8.0 Tier 1 7.2 6.1 6.9 Common Equity Q1/99 Q1/00 Scotiabank Higher General Provision & Securities Surplus $ billions 2.0 1.5 $1.0 1.0 0.5 $1.9 Securities Surplus General Provision 0.0 Q1/99 Q1/00 10 Scotiabank

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