Q1/06 Business Line Results and Risk Review

Scotiabank Overview Rick Waugh President & Chief Executive Officer 3 Scotiabank Q1/06 - record results Good start to year ■ Record results - EPS: $0.84 vs. $0.77 last year ■ - ROE: 21.6% vs. 21.0% last year Earnings well diversified across businesses ■ Credit quality stable ◉ Strong capital ratios - Tangible Common Equity (TCE): 9.0% 4

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