Scotiabank Investor Presentation

Healthy year-over-year growth $ millions 1998 Yr/Yr Q4/98 Q4/Q3 Net interest income (TEB) Other income 4,506 22 % 1,186 3 % 2,858 25 690 (3) Total revenues 7,364 23 % 1,876 1 % Provision for credit losses 595 68 124 Non-interest expenses 4,446 22 1,143 1 Taxes/other 929 23 250 Net income 1,394 14 % 359 1997 excludes unusual items LO Scotiabank

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