Investor Presentation Q4 2005

Scotiabank Scotiabank $ millions Performance Review Luc Vanneste Executive Vice-President & Chief Financial Officer 9 Underlying revenue growth in 2005 Change 2005 $ % Reported 10,400 379 4 Impact of Stronger Canadian dollar 287 287 Underlying 10,687 666 7 Net Interest Income 6,035 334 6 Other Income 4,652 332 10 00

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