Q3/06 Earnings Report

Scotiabank Scotiabank EPS ($) Overview Rick Waugh President & Chief Executive Officer 3 Earnings growth 0.89 0.93 0.84 0.80 0.77 ROE (%) 23.2 22.8 - 21.6 20.5 19.9 Net Income* ($millions) 928 887 844 803 775 ■ Record results EPS: $0.93 vs. $0.77 in Q3/05 ROE: 22.8% vs. 19.9% in Q3/05 Strong revenue growth significant asset growth across all businesses ■ Favourable credit quality Strong capital position Q3/05 Q4/05 Q1/06 Q2/06 Q3/06 * Net income available to common shareholders 4

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