Scotiabank Earnings Overview

Scotiabank Minimal net formations this quarter Domestic - Retail 64 - Commercial 29 93 International (55) Scotia Capital - Canada (32) - U.S. (32) - Europe 31 (33) Total 5 LO 25 Scotiabank Positive trend in net impaired loans net impaired loans, $ millions 559 Q1/03 Q2/03 Q3/03 26 Q4/03 Q1/04 (104) Q2/04

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