Scotiabank Earnings Growth and Risk Review

Scotiabank Capital ratios - the best in industry % of risk-adjusted assets 14 13.4 12.7 12.5 12 Total 10 9.9 9.2 Tier 1 8 9.0 6 4 Tangible Common 7.4 7.7 8.0 Equity 2 0 Q2/01 Q1/02 Q2/02 13 Scotiabank $ billions 2.0 Highest reserves 2.1 Marketable Securities 0.5 0.6 1.5 1.5 General Provision Q4/01 14 Q2/02

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