Investor Presentaiton

Scotiabank - Capital ratios – among best in industry % of risk-adjusted assets 14 12.1 12 13.0 12.7 Total 10 9.3 9.2 Tier 1 8 8.6 6 CO 4 Tangible Common 7.1 7.8 7.7 Equity 2 0 Scotiabank $ billions Q1/01 Q4/01 Q1/02 17 Higher reserves 2.2 2.0 Marketable 0.7 0.5 Securities 1.5 Q4/01 18 15 General Provision Q1/02

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