2005 Financial Overview

Scotiabank Strong growth across business lines net income available to common shareholders, $ millions +13% 1,253 1,105 2004 2005 +12% 915 +12% 819 800 718 Domestic Scotia Capital International 5 Scotiabank A record of consistent earnings growth net income, $ millions. 804 10-Year CAGR: 15% 95 96 97 98 99 00 01 02* * before charges related to Argentina 6 03 60 3,209 04 95 05

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