Integrating Wealth Management

3 • • • Performance Highlights Solid earnings momentum EPS up 14% year-over-year ROE 15.9% vs. 14.8% Productivity 58.6% Improved performance in Retail & Commercial Strong capital ratios and reserves • Stable asset quality Solid Earnings Momentum Net Income, $ millions 400 300 200 100 4 Scotiabank EPS, $ 0.75 0.50 0.25 0 0.00 Q1/98 Q3/98 Q1/99 Q3/99 Q1/00 Scotiabank

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