Scotiabank Investor Presentation

Negative Net Impaired Loans $ billions 2 1.4% 1.5 1 0.5 0.7% 0.4% 0.3% % of loans & acceptances 2 (0.1)% -0.5 (0.1)% -1 1995 1996 1997 1998 1999 Q2/00 Ahead of Performance Targets ROE Q2/00 Target 17.7% VS. 16-18% EPS Growth 21% VS. 12-15% Productivity 58.0% VS. <60% Tier 1 8.4% VS. 7.5%+ 24 12

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