Risk Management and National Trust Integration Update

Strong year-over-year growth $ millions Q1/99 vs Q1/99 Q1/98 Q1/99 vs Q4/98 Net interest income (TEB) 1,218 16 % 3 % Other income 807 23 17 Total revenues 2,025 18 % 8% Provision for credit losses 259 100+ 100+ Non-interest expenses 1,136 11 (1) Taxes/other 262 13 5 Net income 368 11 % 3 % Scotiabank 4

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