Financial highlights (1)
	(C$ millions, except per share, number and percentage amounts) Change 2002/2001   2002   2001   2000   1999   1998 Earnings       Net interest income (2) 10% $ 7,191 $ 6,529 $ 5,307 $ 5,152 $ 5,101 Non-interest revenue 5bp   8,579   8,155   6,680   5,491   4,997 Gross revenues (2) 7bp   15,770   14,684   11,987   10,643   10,098 Provision for credit losses (5)bp   1,065   1,119   691   760   575 Non-interest expense 6bp   10,244   9,641   7,628   7,141   6,510 Net income 19bp   2,898   2,435   2,208   1,725   1,772 Core net income (3) 30bp   2,898   2,231   2,208   1,813   1,789 Return on common equity (ROE) – bp   16.6%   16.6%   19.3%   15.3%   17.6% Core ROE (3) 150bp   16.6%   15.1%   19.3%   16.1%   17.8% Economic Profit (4) 44% $ 838 $ 583 $ 714 $ 337 $ 461 Balance sheet data                     Loans (before allowance for loan losses) –% $ 171,523 $ 171,177 $ 156,184 $ 144,793 $ 146,772 Assets 5%   381,932   362,483   294,054   273,298   281,074 Deposits 4%   245,040   235,687   206,237   187,897   180,005 Subordinated debentures 1%   6,960   6,861   5,825   4,596   4,087 Common equity 6%   17,240   16,215   11,296   10,435   9,748 Capital ratios (Canadian basis) (5)                     Common equity to risk-adjusted assets 100bp   10.4%   9.4%   7.3%   7.1%   6.2% Tier 1 capital 60bp   9.3%   8.7%   8.6%   8.1%   7.4% Total capital 90bp   12.7%   11.8%   12.0%   11.2%   10.5% Capital ratios (U.S. basis) (6)                   Common equity to risk-adjusted assets 100bp   10.5%   9.5%   7.2%   7.0%   6.1% Tier 1 capital 40bp   8.5%   8.1%   7.8%   7.6%   6.8% Total capital 70bp   11.9%   11.2%   11.3%   10.7%   10.1% Common share information                     Shares outstanding (in thousands)                       End of year (1)%   665,257   674,021   602,398   617,768   617,581 Average basic 5%   672,571   641,516   606,389   626,158   617,324 Average diluted 5%   679,153   647,216   609,865   632,305   633,626 Earnings per share                     Basic 16% $ 4.16 $ 3.58 $ 3.42 $ 2.50 $ 2.64 Diluted 16%   4.12   3.55   3.40   2.48   2.58 Core diluted (3) 27%   4.12   3.24   3.40   2.63   2.61 Share price                     High (7) 11%   58.89   53.25   48.88   42.13   46.10 Low (7) 8%   45.05   41.60   27.25   29.65   28.75 Close 16%   54.41   46.80   48.30   31.73   35.55 Dividends per share 10%   1.52   1.38   1.14   0.94   0.88 Book value per share – year-end 8%   25.91   24.06   18.75   16.89   15.78 Market capitalization ($ billions) 15%   36.2   31.5   29.1   19.6   22.0 Number of:                     Employees (full-time equivalent) 1,981%   59,549   57,568   49,232   51,891   51,776 Automated banking machines (59)%   4,486   4,545   4,517   4,585   4,317 Service delivery units                     Canada (6)%   1,311   1,317   1,333   1,410   1,422 International 83%   807   724   306   99   106 (1) Financial information is derived from U.S. GAAP consolidated financial statements, unless otherwise noted. Select definitions are available in the Glossary on pages 103 and 104. (2) Taxable equivalent basis. (3) Core results exclude special items, special items for 2001 are shown in Table 6 on page 27. (4) Economic Profit is cash operating earnings (i.e., net income available to common shareholders excluding the after-tax impact of special items and amortization of goodwill and other intangibles) less a charge for the cost of common equity. For more detail on Economic Profit, see page 26. (5) Using guidelines issued by the Superintendent of Financial Institutions Canada (OSFI) and Canadian GAAP financial information. (6) Using guidelines issued by the Board of Governors of the Federal Reserve System in the U.S. and U.S. GAAP financial information. (7) Intraday high and low share prices.