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Investor Presentaiton

Impact of acquisitions Scotiabank Impact on income ($ millions) 2006 2005 Net interest income $247 35 Other income 215 33 Non-interest expenses (304) (48) Other items (net of tax) (58) (4) Net income 100 16 Earnings per share (diluted) $0.10 $0.02 35 2006 Scotiabank $ millions Other Income up reflecting organic growth and impact of acquisitions % Change vs. Q4/05 % Change vs. 2005 Q4/06 Q3/06 Deposit & Payment Services $766 9% $196 8% (1)% Investment Banking 659 (3) 175 2 5 Retail Brokerage & Trust 596 11 152 6 7 Credit Fees 530 (2) 127 (3) (9) Net Gain on Investment Securities 371 (10) 64 (41) (39) Trading Revenues 637 7 138 9 39 Other 1,241 17 364 24 13 Total $4,800 6% $1,216 5% 4% 2006 vs. 2005: Other Income +6% ■ Broad-based growth in several categories, including retail brokerage, mutual funds Positive impact of acquisitions partially offset by lower net securities gains and securitization revenues Q4/06: Other Income up 5% yr/yr and 4% qtr/qtr Yr/yr: broad-based growth and positive impact of acquisitions partially offset by lower securities gains ■ Qtr/qtr: increases in trading, investment management, brokerage and trust and securitization revenues offset by lower net securities gains and credit fees 36
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