Scotiabank Investor Presentation Q2 2001

Business Line Results 15 Domestic - Solid earnings trend Net income, $ millions 21* ☐ 223 212 203 Q2/00 Q1/01 Q2/01 gain on sale of Quebec branches Higher net interest profit wider retail margin ➤ solid personal lending growth ■ Lower brokerage fees ☐ Expenses down 4.5% yr/yr 16 Very good credit quality

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