Performance Highlights Q1 1999

Capital ratios - steady improvement % of risk-adjusted assets 12 10.6 10.6 10.4 10 8.9 8 Total 7.2 7.2 Tier 1 6.9 CO 6 6.7 4 6.0 5.5 6.1 Common 5.8 2 0 1996 1997 1998 Q1 1999 Scotiabank 27

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