Risk and Performance Review

L Scotiabank Decline in net formations net formations, $ millions 1,019 1050 900 750 600 450 383 394 312 300 150 Other ■Scotia Capital 153 Q2/02 Q3/02 Q4/02 25 Q1/03 Q2/03 Scotiabank Decrease in specific provisions specific provisions, $ millions 475* 350 400 325 275* Allii Q2/02 Q3/02 Q4/02 *excluding Argentina 26 Q1/03 Q2/03 Other Scotia Capital

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