Scotiabank Risk Review

$ Scotiabank Good top-line revenue growth $ billions 3 2 1 Q1/01 14% * excludes charges for Argentina Q1/02* 11 Other income Net interest income Changes in margin Scotiabank Net interest margin Increase/(decrease) due to: Inverlat $US funding spreads Other 12 Inc. vs. Q1/02 Q1/01 2.41% +18bp +10 +6 +2 +18bp

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