Growing Earnings and Risk Review

$ Scotiabank Outlook Peter Godsoe Chairman & C.E.O. 37 Scotiabank Expect another record year in 2002 ☐ Economic slowdown ➤ pickup expected in second half of 2002 Closely managing credit portfolios specific credit losses for 2002 on par with 2001 ■ 2002 performance targets EPS growth: 7% to 12% ROE: 15% to 17% 38

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