Investor Presentaiton

Rising International Earnings Net income, $ millions ■ Caribbean 400 23% ➤ good revenue growth 200 * 1999 excludes Solidbank 2000 ➤ very high ROE ■ Latin America & Asia A - earnings up 76%* 17 International Developments ■ Mexico - Inverlat closed November 30 ■ Chile ➤ BSA ownership increased to 98% from 61% ■ Branch rationalizations: Greece, Sri Lanka, Bangladesh 18

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