Scotiabank Investor Presentation

• Risk Management: Overview Whole Year 2000 provision estimate increased by $125 million to $665 million (39 basis points): ➤ $25 million: Chile $100 million: mainly Scotia Capital • Net impaired loans remain negative: ($131 million) 2 21 Gross Impaired Loans $ millions Q2/00 vs. Q1/00 Canada - Retail (9) - Commercial (16) International 26 Scotia Capital 78 Change 79 22 11

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