Scotiabank Investor Presentation

Continued Productivity Leadership expenses as a % of revenues* 60 60 50 Q1/99 Q2/99 58.0% Q3/99 Q4/99 Q1/00 Q2/00 * Q1/99 excludes special gain of $77MM 9 Stronger Capital Ratios % of risk-adjusted assets 10 11.2 12.0 Total 8.4 Tier 1 7.8 5 6.7 7.0 Common Equity O Q2/99 10 Q2/00 LO 5

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