Scotiabank Investor Presentation

1998 results inc/(dec) inc/(dec) 1998 vs. 97* Q4/98 vs Q3/98 Net Income 1,394 14%** 359 $ mm EPS, $ 2.64 12% 0.67 (1%) ROE, % 15.3 (1.1) 14.8 (0.7) Tier 1,% 7.2 0.3 7.2 0.3 *1997 excludes unusual items ** 8% decrease yr/yr on a reported basis 2 Scotiabank

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