Financial Resilience and Provisioning

Well Diversified by Market % of total loans & acceptances Europe Caribbean U.S.A. Latin America Asia Business Residential Mortgages Personal Canada U.S.A. 15.6% of total 23 $ millions Impaired Loan Formations in Q1/01 Scotia Capital - U.S.A. 1,200 - Canada & Other 149 1,349 Domestic International 126 133 1,608 24

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