Q2 2003 Earnings Highlights

Continued productivity leadership expenses as % of revenues Scotiabank 62 62 58 54 5.4 50 50 53.4% 98 99 00 01 02 YTD/03 13 Very strong capital ratios % of risk-weighted assets Scotiabank 10 10.3 10.0 Tier 1 9.9 00 8 6 8.5 8.4 8.0 Tangible Common 4 Equity 2 T 0 Q2/02 Q1/03 14 Q2/03

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