Financial Resilience and Provisioning

Domestic Banking Initiatives ■ Retail & Commercial banking ➤ enhancing branch sales capabilities - changing "above-branch" structure all branches broad-banded ■ Electronic banking ➤ Q1/Q1 growth in on-line transactions: 90%+ ➤ on-line customer base doubled • plan to double again in 2001 ■ Wealth Management ➤ new strategic partnership • Capital International Group (10 new funds) 17 Rising International Contribution Net income, $ millions 89 76 115 ■ Caribbean earnings up 22% ➤ revenue growth: +9% ➤ superior ROE ■ Asia steady earnings growth. ■ Latin America A improved earnings at Quilmes and Banco Sud Americano Q1/00 Q4/00 Q1/01 18

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