Research And Markets: Examine Up To Date Labour Costs In Central And Eastern Europe Today

Scotiabank's Latin America operations include Mexico, Chile, Venezuela,
Peru and Brazil. Scotiabank has been in Mexico
since 1967.

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Research and Markets
(http://www.researchandmarkets.researchandmarkets.

PRESS RELEASE CapitalStream FinanceCenter Helps Scotiabank Accelerate Customer Service Process in 20 Caribbean Central and Latin American Countries

Vincent, Trinidad and Tobago,
Turks and Caicos, British Virgin Islands, and the U. The Bank also has
minority interests in Venezuela and Peru, plus a representative office in
Brazil.

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Business Editors/Banking Writers/Government Writers

DUBLIN, Ireland----The report is
based on revised methodology and its organisation has been enhanced.
More than a hundred tables and a number of graphs throughout the
120 pages of the report provide clear presentation of key data. "This puts
Scotiabank and its international customers in a unique and leading edge
position in a very competitive commercial banking market.com.

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"We believe
this initiative will not only generate more business, but also enhance our
ability to reduce overhead and manage risk.

About Scotiabank

Scotiabank has been part of the Caribbean and Central America since 1889.
Kitts and Nevis, St.

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For more
information , visit us at www.

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For more information please visit www.

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025 ABMs. Scotiabank offers a diverse range of
products and services including personal, commercial, corporate and
investment banking.

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and Scotiabank are teaming
up to enhance the speed and efficiency of bank services in 20 Caribbean,
Central and Latin American countries.

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Virgin Islands.

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A leader in front office automation
solutions for commercial finance operations, CapitalStream today announced
Scotiabank is using its FinanceCenter 8 platform to accelerate day-to-day
banking operations, such as credit applications.
It is now the leading bank in the region, with operations in 25 countries,
including Anguilla, Antigua, Bahamas , Barbados, Belize, Cayman Islands,
Costa Rica, Dominica, Dominican Republic, El Salvador, Grenada , Guyana,
Haiti, Jamaica, Netherland Antilles and Aruba, Panama, Puerto Rico, St.scotiabank.

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"Scotiabank is now able to respond to more customers, more quickly," said
Jonathan Deletsu, director of business banking, Scotiabank.capitalstream. With approximately 48,000 employees,
Scotiabank Group and its affiliates serve about 10 million customers in
some 50 countries around the world. With US$246 billion in assets (as at April 30, 2005),
Scotiabank trades on the Toronto (BNS) and New York (BNS) Stock Exchanges.

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com/reports/c12279) has announced the
addition of Labour Costs In Central And Eastern Europe - edition 2005
to their offering
Besides the most current data and estimates referring to full year
results for 2003, the report also provides estimates of average
earnings and labour costs for year 2004.com/reports/c12279

"

www.com

About CapitalStream

Established in 1995, CapitalStream provides software and consulting
services that enable commercial banks and finance companies to collaborate ,
integrate and operate more effectively across their front office
operations. Outside of Mexico , Scotiabank's Latin America operations
are concentrated in Chile, with Scotiabank Sud Americano.

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CapitalStream transforms
the paper-based operations of mid-market, small business, equipment leasing
and commercial real estate groups by reducing costs, risk and processing
times to grow their portfolios without increasing headcount.com.

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It consists of two parts: part one includes cross country comparison
of earnings, labour costs, social security contributions, sectoral and
regional variations and part two presents detailed labour costs and
earnings profiles of each country. CapitalStream solutions streamline data gathering, deal
structuring, credit analysis, document generation, booking , account
monitoring and ongoing risk management to more effectively originate
transactions and manage commercial relationships. Lucia, St.

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The contents of this report are as follows:

PART ONE

Regional Comparison

Regional Economic Outlook

Structure of Labour Costs

Data and Methodology

Average Earnings

Gross Average Earnings

Net Average Earnings

Statutory Minimum Wages

Obligatory Social Security Contributions

Labour Costs

Average Labour Costs in the Economy

Labour Costs and Earnings by Sectors of the Economy

Labour Costs and Earnings in Manufacturing

Labour Costs and Earnings by Regions

Labour Costs and Earnings in Capital Cities

Labour Costs and Earnings by Ownership Sectors

Labour Costs and Earnings in Foreign Owned Enterprises

Trends in Labour Cost Levels

Future Prospects

International Perspective on Labour Costs in CEE

PART TWO

Country Summaries

Bulgaria

Czech Republic

Estonia

Hungary

Latvia

Lithuania

Poland

Romania

Russia

Slovakia

Slovenia

Ukraine

For more information visit
http://www.S.

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"We are pleased to help Scotiabank leverage FinanceCenter's administration
tools to quickly and easily roll out our platform in 20 countries," said
Kevin Riegelsberger, president and CEO of CapitalStream.

Scotiabank is one of North America's premier financial institutions and
Canada's most international bank.

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CapitalStream, Inc. Due to the limited availability of
commercial credit scores in many Caribbean countries, Scotiabank is now
able to use FinanceCenter to implement custom score cards that improve risk
management, even when credit bureau information is limited or non-existent.

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The report covers 12 countries in the region that receive most
attention from investors: Bulgaria, the Czech Republic, Estonia,
Hungary, Latvia, Lithuania, Poland, Romania , Russia, Slovakia,
Slovenia and Ukraine.scotiabank. Maarten, St. Grupo Financiero Scotiabank Inverlat SA is the country's sixth
largest commercial bank, with about 6,700 employees, some 430 branches and
a network of about 1.

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The
bank has some 8,760 employees in the region, serving more than two million
customers, with nearly 300 branches and about 650 automated banking
machines.

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"

CapitalStream FinanceCenter 8 allows Scotiabank to rapidly evaluate,
originate and manage financial transactions , using Web-based process
automation and business analysis. In those four countries, Scotiabank has nearly 60 branches and
about 100 automated banking machines (ABMs).