Third Quarter 2002 Earnings Report

Scotiabank 62 62 Productivity improvement expenses as % of revenues 58 54 5.4 50 50 Scotiabank 40 97 98 99 9 51.1% g 00 01 Q1/02 Q2/02 Q3/02 13 Capital ratios – best in the industry % of risk-weighted assets - 9.1 9.9 9.8 Tier 1 8.0 000 7.6 8.0 Tangible Common Equity Q3/01 Q2/02 14 Q3/02

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