Q1/06 Business Line Results and Risk Review slide image

Q1/06 Business Line Results and Risk Review

Scotiabank International - a strong performance $ millions % Net income* -ROE 250 200 150 100 50 40 35 30 $25 20 15 10 Net income of $233 million - - up 13% yr/yr, 34% qtr/qtr • strong growth in assets, up 8% yr/yr ROE: 22.9% Higher revenues - up 16% yr/yr, 5% qtr/qtr Expenses: - 5 up 17% yr/yr, down 7% qtr/qtr 0 0 ◉ Provisions up slightly Q1/05 Q4/05 Q1/06 * net income available to common shareholders 17 up $20 mm yr/yr, $11 mm qtr/qtr Scotiabank Grupo Scotiabank - record contribution earnings contribution, $ millions 150 125 100 75 50 50 25 0 Q1/05 Q4/05 Q1/06 ■ Contribution of $139 million - up 78% yr/yr, 76% qtr/qtr ■ ROE: 36% ■ Revenues up 27% yr/yr, 9% qtr/qtr - higher credit card and other retail revenues - gain on sale of investment securities ■ Lower expenses qtr/qtr - advertising and promotion - performance-based compensation 18
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