Integrating Wealth Management

Diversification: Higher % of Core Retail & Commercial % of net income* January 31, 1999 January 31, 2000 37% 38% 52% 44% 11% Domestic Retail/Commercial 18% International Scotia Capital Scotiabank * excludes smaller operating segments & Corporate Adjustments 5 Steady Growth in Revenues $ millions Q1/00 Q1/99 change change Net interest (TEB) 1,202 1,218 (16) (1)% Other income* 822 730 92 12% Total revenues 2,024 1,948 76 4% * Excludes: special gain ($77MM, Q1/99) 6 Scotiabank

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