Investor Presentaiton

Scotiabank $ millions 130 110 90 70 10 50 50 30 30 Net income* Other -10 Q3/04 Q2/05 Q3/05 10 10 * net income available to common shareholders ด Scotiabank Net income of $22 million Lower securities gains - Q2/05 included Shinsei investment gain of $118 million (pre-tax) Q3/04 included $50 million release of general allowance 25 Risk Review Warren Walker Executive Vice-President Global Risk Management 26 26

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