Investor Presentaiton

Continued productivity leadership expenses as % of revenues Scotiabank 62 62 58 54 5.4 50 50 98 T 99 96 Scotiabank 51.2% 00 00 01 02 Q1/03 11 Excellent capital ratios - particularly Tangible Common Equity % of risk-weighted assets 9.2 10.0 9.9 Tier 1 8.3 8.5 7.7 Tangible Common Q1/02 Q4/02 12 Q1/03 Equity

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