1999 Mid-Year Financial Review

Scotiabank Solid growth in core operating income $ millions Q2/99 Q2/98 % change Net interest income (TEB) 1,198 1,114 8% Other income (ex. sec. gains)* 713 692 3 % Total revenues 1,911 1,806 6% Salaries 576 567 2% Other non-interest expenses 612 578 6% Total non-interest expenses 1,188 1,145 4% Operating income (TEB) *Security gains 723 661 9% 37 106 (65)% 4

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