Scotiabank Earnings Growth and Risk Review

$ Scotiabank Business Line Results 15 Scotiabank Domestic another solid quarter Net income, $ millions $279 - $223 Q2/01 Q1/02 $254 Q2/02 Continued retail asset growth up $5 billion mortgages up 9% Scotialine VISA up 70% ■ Retail credit quality ☐ ➤ best of class Expenses tightly controlled up less than 2% yr/yr ■ Net income decline from Q1 due to shorter quarter, seasonal factors 16

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