Financial Resilience and Provisioning

Risk Review John Crean Senior Executive Vice-President Global Risk Management 21 Risk Overview ■ U.S. portfolio weakness - reflects market trends ➤ conservative classification of impaired loans ■ Net impaired loans: $1.1 billion ■ Aggressive provisioning ➤ $1,075 million estimate for year ➤ $400 million in Q1/01 Other portfolios in good shape 22

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