Q2/01 Performance Highlights

$ millions Strong earnings Reported net income 539 Adjustments: Pre-tax After-tax Addition to General Provision 100 59 Lower SAR* expense (40) (24) Excess security gains (40) (24) 20 20 11 11 550 Adjusted net income * Stock Appreciation Rights 7 $ billions (TEB) 2.3 Q2/00 Good top line revenue growth Revenue up 13% Net Interest Income up 21% 2.4 Q1/01 Q2/01 includes Inverlat's revenues of $222 million 8 2.6 Q2/01 Other Income Net Interest Income

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