Financial Overview and Performance

Scotiabank A record of consistent earnings growth ... Net income, $ millions 482 94 95 96 97 98 * charges related to Argentina Scotiabank 110 95 80 60 65 89 50 540* 2,931 99 00 01 02 03 04 H 5 and a record of consistent dividend growth with two increases this year Annual dividend, cents/share adjusted for 100% stock dividend $1.28* 35 29¢ 20 1994 1996 * based on current rate 2004 increase: 31% 1998 2000 2002 2004 6

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