Scotiabank Investor Presentation

Strong Growth in Revenues $ millions increase Q2/00 Q2/99 $ % Net interest income (TEB) 1,310 1,198 112 9% Other income Total revenues 988 750 238 32% 2,298 1,948 350 18%* 16% excluding Banco Sud Americano, Chile 5 Higher Margins Q2/00 Q2/99 Increase Net interest margin 2.25% 2.13% 12 bps Increase in margin due to: Chile Higher spreads in International Other +3 +2 +7 6 3

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