Investor Presentaiton

Scotiabank Trend in net formations net formations, $ millions (ex. Argentina) 1050 ☐ Other Scotia Capital 900 750 835 600 450 300 324 277 308 150 198 0 Q1/02 Q2/02 Q3/02 Q4/02 Q1/03 25 Scotiabank Trend in specific provisions specific provisions, $ millions 400 350* 350 Q1/02 Q2/02 Q3/02 *excluding Argentina 26 475* 325 Q4/02 Q1/03 Other Scotia Capital

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