Scotiabank Earnings Report

寫 Scotiabank Risk Review Warren Walker Executive Vice-President Global Credit Risk Management 21 5 Credit quality continued improvement Scotiabank ■ Lower net impaired loans: $317 million ➤ down $61 million from Q2/03 ➤ down $702 million from Q3/02 ■ Lower specific provisions: $200 million ➤ down $48 million from Q2/03 ➤ down $200 million from Q3/02 ■ U.S. portfolio continues to stabilize ➤ restructurings in Power sector largely completed 22

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