Earnings Performance Review Q3/05

Scotiabank Scotiabank Third Quarter Overview Rick Waugh President & Chief Executive Officer 3 Performance highlights Solid results - - EPS: $0.77 vs. $0.71 last year - YTD EPS up 10% vs. 2004 - YTD ROE: 21.0% ■ Earnings well diversified across business lines ■ Strong capital ratios - Tangible Common Equity (TCE): 9.3% 4

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