Investor Presentation Q4 2001

All business lines contributed to growth Scotiabank * Net income, $ millions +9% 960 882 +6% Domestic* includes Wealth Management Scotiabank ROE 2000 2001 686 650 +34% 489 364 Scotia Capital International 5 Met or exceeded performance targets Q4/01 2001 Target 17.0% 17.3% VS. 16-18% EPS Growth 13% 12% VS. 12-15% Productivity 54.6% 53.9% VS. <60% Tier 1 9.3% 6 9.3% VS. 8%+

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