Scotiabank Investor Presentation

250 200 150 100 Domestic strong earnings growth Net income, $ millions 50 60 30% 0 Q2/99 Q2/00 • Continued growth in retail • • . mortgages +9% personal loans +6% personal deposits: +7% Strong growth in wealth management revenues Lower credit losses Improved productivity 13 Streamlining Canadian operations 1,210 -57 branches 1,153 Q2/99 Staff reduction -1,100 14 Q2/00 7

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