Integrating Wealth Management

23 24 Risk Management: Overview • Asset quality stable • • - negative net impaired loans Chile reserved at 114% Specific provisions: < $540 million for 2000 General provision unchanged at $1.3 billion Change in Gross Impaired Loans $ millions Scotiabank Q1/00 vs. Q4/99 Q1/99 Canada Retail 6 (65) - Commercial 6 (101) International 114 156 Scotia Capital (135) (2) Change (9) (12) Chile 121 121 Scotiabank

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