Earnings Performance Review Q3/05

Scotiabank $ millions Higher unrealized securities' gains Q3/05 Q2/05 Q3/04 - Emerging Market Debt 579 540 451 - Fixed Income 1 28 (2) - Equities 504 420 438 Scotiabank 12 10 13 1,084 988 887 Very strong capital ratios % of risk-adjusted assets 11.3 11.4 11.1 Tier 1 8 9.5 9.5 9.3 Tangible Common 60 Equity 4 2 ○ Q3/04 Q2/05 14 Q3/05

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