Growing America's Premier Financial Services Company

BAC Segment Results: 2003 YTD vs 2002 YTD Consumer & Commercial Banking Global Corporate & Investment Banking Asset Management Equity Investments Other Up 12% Up 4% Up .8% Up 42% Up 16% Revenue to $19.5 B to $6.9 B to $1.8 B to to ($199 mm) $760 mm Up 16% Up 6% Up 53% Up 27% Up 85% Earnings to $5.6 B to $1.4 B to to $408 mm ($182 mm) to $815 mm ROE 38% 19% 20% 1-A Bank of America Higher Standards

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