Investor Presentaiton

2000 Performance Highlights 2000 ■ Record results ■ A - Net income: $1,926 million, +24% year over year ➤ ROE 17.6% vs. 15.3% Top-line revenue growth: +13% Improved productivity: 56.5% vs. 59.3% Specific credit losses of $765 million vs. $485 million Higher capital and reserves Q4/00 ■ EPS 95 cents vs. 76 cents Q4/99 ■ ROE 17.0% vs. 15.3% Q4/99 $ millions 2000 3 11 Years of Earnings Growth 1500 Net 1000 Income 500 0 89 91 93 95 97 40 94 & 97 exclude unusual items 4 EPS $3.67 3 2 1 99 00 0

View entire presentation