Investor Presentation Third Quarter 2001

€ Scotiabank Scotiabank Improved capital ratios % of risk-adjusted assets 12.1 12.7 Total 9.1 8.5 Tier 1 7.2 Common 7.9 Q3/00 Q3/01 15 Continuing strong reserves $ billions Govt/Corp bonds 0.3 Equities 0.2 Emerging Mkt. Bonds 0.2 2.1 0.7 2.2 Marketable 0.7 Securities Q3/00 16 1.5 General Provision Q3/01

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