Scotiabank Risk Review Performance Highlights

寫 Scotiabank Business Line Results 17 5 Domestic continuing solid performance Scotiabank net income, $ millions. - 264 ◉ 299 293 Q2/03 Q1/04 Q2/04 ■ Net income: up 11% vs. Q2/03 - down 2% qtr/qtr due to higher expenses Revenue up 9% year over year - higher net interest income due to strong volume growth good year over year growth in retail brokerage and mutual funds Good retail asset and core deposit growth residential mortgages up 15% vs. Q2/03 - revolving credit up 16% vs. Q2/03 core deposits up 19% vs. Q2/03 18

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