Scotiabank Earnings Growth and Risk Review

Scotiabank ...reflecting moderate market risk $ millions, February 1, 2002 to April 30, 2002 20 10 Actual P&L VaR 1 day ww -10 -20 31 Scotiabank Risk management summary ☐ Domestic retail and commercial, International portfolios in good shape ■ Scotia Capital - managing closely Expect provisions to decline in second half of 2002 32

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