Q2/01 Performance Highlights

Domestic & International Credit quality stable ■ Domestic ➤ excellent retail ➤ commercial in good shape ■ International ➤ Caribbean & Asia performing well ➤ stabilized Latin American subsidiaries 23 - Lower net impaired loans in Q2 - On track to meet Q4/01 target Net impaired loans, billions 2001 Forecast 1.2 1.1 1.0 0.8 0.7 0.6 0.4 0.2 0.0 Q1/01 Q2/01 24 | 0.25 Q4/01

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