Earnings Performance Review Q3/05

Scotiabank Growth across major business lines net income available to common shareholders, $ millions Scotiabank +13% 319 Q3/04 Q3/05 282 +11% +6% 234 211 200 189 Domestic International 5 45 22 Scotia Capital Other Exceeding 2005 performance targets ROE Q3/05 YTD Target 21.0% VS. 17-20% EPS Growth 10.3% VS. 5-10% Productivity 55.9% VS. <58% 6

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