Scotiabank Investor Presentation Q2 2001

Mexico - High potential market High growth economy ➤ increasing trade - NAFTA ➤ GDP to surpass Canada by end of decade Significant growth potential in financial services ➤ young population: 50% under 22 ➤ lending as a % of GDP -15% vs. 72% in U.S. 19 Risk Review John Crean Senior Executive Vice-President Global Risk Management 20 20

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