Scotiabank Investor Presentation

Significant Growth in Other Income Increase Q2/00 vs. Q2/99 $MM % Wealth management-related 59 37 Investment banking 49 29 Credit fees 13 10 Securities gains 110 100+ Other 7 3 238 32% 7 Base expenses down slightly Increase in expenses* Less: performance-related -write-down of assets ($46MM) Decrease in base expenses * excludes Chile 8 Q2/00 vs. Q2/99 10% 7 4 (1)% 4

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