Scotiabank Earnings Report

5 Net impaired loan formations by business Scotiabank $ millions, Q3/03 Scotia Capital - Canada (1) - U.S. 46 - Europe/Asia 31 76 Domestic International Total 67 50 193 23 Scotiabank Net impaired loans trending down net impaired loan formations, $ millions 1,019 1050 □ Other Scotia Capital 900 750 600 450 383 394 300 193 153 150 0 Q3/02 Q4/02 Q1/03 24 Q2/03 Q3/03

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