Scotiabank Investor Presentation

$ billions 2 1.40% 1.5 0.5 Negative Net Impaired Loans 0.67% 0.44% 0.26% % of loans & acceptances 2 1.5 1 0.5 0 0 (0.10)% (0.03)% -0.5 -0.5 1995 1996 1997 1998 1999 2000 25 U.S.A. Sector Review Telecoms ■ Negligible impaired loans (<$5MM) Health Care ■ Problems loans classified early Theatre operators ■ Modest exposure (US$ 250MM) ■ Primarily senior debt Dot.com sector ■Negligible exposure 26

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