Interim Balance Sheet

In Millions of U.S. Dollars 2008 2008 2008

(except for per share items) 9/30/2008 6/30/2008 3/31/2008
Total Current Assets -- -- --
Cash & Due from Banks 54,350.00 32,255.00 46,888.00
Other Earning Assets, Total 1,091,130.00 987,461.00 883,531.00
Net Loans 742,329.00 524,783.00 525,310.00
Property/Plant/Equipment, Total - Gross -- -- --
Accumulated Depreciation, Total -- -- --
Property/Plant/Equipment, Total - Net 9,962.00 10,333.00 9,457.00
Goodwill, Net 46,121.00 45,993.00 45,695.00
Intangibles, Net 22,528.00 17,276.00 14,374.00
Long Term Investments -- -- --
Other Long Term Assets, Total -- -- --
Other Assets, Total 285,053.00 157,569.00 117,607.00
Total Assets 2,251,470.00 1,775,670.00 1,642,860.00
Accounts Payable 182,615.00 96,002.00 --
Payable/Accrued -- -- 106,088.00
Accrued Expenses 11,896.00 16,046.00 --
Total Deposits 969,783.00 722,905.00 761,626.00
Other Bearing Liabilities, Total -- -- --
Total Short Term Borrowings 446,382.00 267,469.00 271,665.00
Current Port. of LT Debt/Capital Leases -- -- --
Other Current liabilities, Total -- -- --
Total Current Liabilities -- -- --
Long Term Debt 266,869.00 297,526.00 219,891.00
Capital Lease Obligations -- -- --
Total Long Term Debt 266,869.00 297,526.00 219,891.00
Total Debt 713,251.00 564,995.00 491,556.00
Deferred Income Tax -- -- --
Minority Interest -- -- --
Other Liabilities, Total 228,081.00 242,546.00 157,965.00
Total Liabilities 2,105,630.00 1,642,490.00 1,517,240.00
Redeemable Preferred Stock, Total -- -- --
Preferred Stock - Non Redeemable, Net 8,152.00 6,000.00 0
Common Stock, Total 3,942.00 3,658.00 3,658.00
Additional Paid-In Capital 90,535.00 78,870.00 78,072.00
Retained Earnings (Accumulated Deficit) 55,217.00 56,313.00 55,762.00
Treasury Stock - Common -9,509.00 -9,830.00 -11,353.00
ESOP Debt Guarantee -- -- --
Unrealized Gain (Loss) -- -- --
Other Equity, Total -2,494.00 -1,835.00 -512
Total Equity 145,843.00 133,176.00 125,627.00
Total Liabilities & Shareholders' Equity 2,251,470.00 1,775,670.00 1,642,860.00
Shares Outs - Common Stock Primary Issue 3,726.95 3,435.75 3,400.84
Shares Outstanding - Common Issue 2 -- -- --
Shares Outstanding - Common Issue 3 -- -- --
Shares Outstanding - Common Issue 4 -- -- --
Total Common Shares Outstanding 3,726.95 3,435.75 3,400.84
Total Preferred Shares Outstanding 2.54 -- --
 2007 2007
12/31/2007 9/30/2007
-- --
40,144.00 32,766.00
843,406.00 805,346.00
510,140.00 478,207.00
-- --
-- --
9,319.00 8,892.00
45,270.00 45,335.00
14,731.00 15,500.00
-- --
-- --
99,137.00 93,529.00
1,562,150.00 1,479,580.00
-- --
94,476.00 86,524.00
-- --
740,728.00 678,091.00
-- --
232,829.00 243,899.00
-- --
-- --
-- --
213,026.00 201,909.00
-- --
213,026.00 201,909.00
445,855.00 445,808.00
-- --
-- --
157,867.00 149,174.00
1,438,930.00 1,359,600.00
-- --
0 0
3,658.00 3,658.00
78,597.00 78,295.00
54,715.00 53,064.00
-12,832.00 -13,209.00
-- --
-- --
 -917 -1,830.00
123,221.00 119,978.00
1,562,150.00 1,479,580.00
3,367.38 3,358.81
-- --
-- --
-- --
3,367.38 3,358.81
-- --
 Interim Income Statement

In Millions of U.S. Dollars 2008 2008 2008

(except for per share items) 9/30/2008 6/30/2008 3/31/2008

Interest Income, Bank 17,326.00 16,529.00 17,532.00

Total Interest Expense 8,332.00 8,235.00 9,873.00
Net Interest Income 8,994.00 8,294.00 7,659.00
Loan Loss Provision 5,787.00 3,455.00 4,424.00
Net Interest Inc. After Loan Loss Prov. 3,207.00 4,839.00 3,235.00
Non-Interest Income, Bank 5,743.00 10,105.00 9,231.00
Non-Interest Expense, Bank -11,137.00 -12,177.00 -8,931.00
Net Income Before Taxes -2,187.00 2,767.00 3,535.00
Provision for Income Taxes -2,133.00 764 1,162.00
Net Income After Taxes -54 2,003.00 2,373.00
Minority Interest -- -- --
Equity In Affiliates -- -- --
U.S. GAAP Adjustment -- -- --
Net Income Before Extra. Items -54 2,003.00 2,373.00
Accounting Change -- -- --
Discontinued Operations -- -- --
Extraordinary Item 581 -- --
Tax on Extraordinary Items -- -- --
Net Income 527 2,003.00 2,373.00
Preferred Dividends -161 -90 0
General Partners' Distributions -- -- --
Miscellaneous Earnings Adjustment -- -- --
Pro Forma Adjustment -- -- --
Interest Adjustment - Primary EPS -- -- --
Income Available to Com Excl ExtraOrd -215 1,913.00 2,373.00
Income Available to Com Incl ExtraOrd 366 1,913.00 2,373.00
Basic Weighted Average Shares 3,444.60 3,426.20 3,396.00
Basic EPS Excluding Extraordinary Items -0.062 0.558 0.699
Basic EPS Including Extraordinary Items 0.106 0.558 0.699
Dilution Adjustment 0 0 0
Diluted Weighted Average Shares 3,444.60 3,531.00 3,494.70
Diluted EPS Excluding ExtraOrd Items -0.062 0.542 0.679
Diluted EPS Including ExtraOrd Items 0.106 0.542 0.679
DPS - Common Stock Primary Issue 0.38 0.38 0.38
Gross Dividends - Common Stock 1,462.00 1,362.00 1,326.00
Total Special Items 96 155 0
Normalized Income Before Taxes -2,091.00 2,922.00 3,535.00
Effect of Special Items on Income Taxes 34 43 0
Inc Tax Ex Impact of Sp Items -2,099.00 807 1,162.00
Normalized Income After Taxes 8 2,115.00 2,373.00
Normalized Inc. Avail to Com. -153 2,025.00 2,373.00
Basic Normalized EPS -0.044 0.591 0.699
Diluted Normalized EPS -0.044 0.574 0.679
 2007 2007
12/31/2007 9/30/2007

18,619.00 18,809.00
11,396.00 11,893.00
7,223.00 6,916.00
2,542.00 1,785.00
4,681.00 5,131.00
10,161.00 9,199.00
-10,720.00 -9,327.00
4,122.00 5,003.00
1,151.00 1,627.00
2,971.00 3,376.00
-- --
-- --
-- --
2,971.00 3,376.00
-- --
0 0
-- 0
-- --
2,971.00 3,376.00
0 0
-- --
-- --
-- --
-- --
2,971.00 3,376.00
2,971.00 3,376.00
3,367.10 3,375.90
0.882 1
0.882 1
-- --
3,471.80 3,477.70
0.856 0.971
0.856 0.971
0.38 0.38
1,320.00 1,320.00
22 61
4,144.00 5,064.00
 6 20
1,157.00 1,647.00
2,987.00 3,417.00
2,987.00 3,417.00
0.887 1.012
0.86 0.983
Interim Cash Flow Statement

In Millions of U.S. Dollars 2008 2008 2008

(except for per share items) 9/30/2008 6/30/2008 3/31/2008

Net Income/Starting Line 4,903.00 4,376.00 2,373.00

Depreciation/Depletion 2,313.00 1,503.00 607
Amortization 937 632 316
Deferred Taxes -2,974.00 -1,139.00 -409
Non-Cash Items 2,991.00 1,219.00 -1,591.00
Changes in Working Capital 24,235.00 17,382.00 -3,719.00
Cash from Operating Activities 32,405.00 23,973.00 -2,423.00
Capital Expenditures -- -- --
Other Investing Cash Flow Items, Total -219,529.00 -54,082.00 -68,493.00
Cash from Investing Activities -219,529.00 -54,082.00 -68,493.00
Financing Cash Flow Items 130,348.00 20,312.00 77,389.00
Total Cash Dividends Paid -4,027.00 -2,663.00 -1,319.00
Issuance (Retirement) of Stock, Net 19,555.00 6,117.00 -156
Issuance (Retirement) of Debt, Net 55,809.00 -1,812.00 1,375.00
Cash from Financing Activities 201,685.00 21,954.00 77,289.00
Foreign Exchange Effects -355 266 371
Net Change in Cash 14,206.00 -7,889.00 6,744.00
 2007 2007
12/31/2007 9/30/2007

15,365.00 12,394.00
2,427.00 1,705.00
1,394.00 1,055.00
1,307.00 -518
-8,715.00 772
-122,338.00 -96,721.00
-110,560.00 -81,313.00
-- --
-73,118.00 -41,321.00
-73,118.00 -41,321.00
107,605.00 60,004.00
-5,051.00 -3,735.00
-6,711.00 -6,492.00
87,143.00 64,904.00
182,986.00 114,681.00
424 307
-268 -7,646.00
 Annual Balance Sheet

In Millions of U.S. Dollars 2007 2006 2005

(except for per share items) 12/31/2007 12/31/2006 12/31/2005
Total Current Assets -- -- --
Cash & Due from Banks 40,144.00 40,412.00 36,670.00
Other Earning Assets, Total 843,406.00 691,831.00 582,597.00
Net Loans 510,140.00 475,848.00 412,058.00
Property/Plant/Equipment, Total - Gross -- -- --
Accumulated Depreciation, Total -- -- --
Property/Plant/Equipment, Total - Net 9,319.00 8,735.00 9,081.00
Goodwill, Net 45,270.00 45,186.00 43,621.00
Intangibles, Net 14,731.00 14,852.00 14,559.00
Long Term Investments -- -- --
Other Long Term Assets, Total -- -- --
Other Assets, Total 99,137.00 74,656.00 100,356.00
Total Assets 1,562,150.00 1,351,520.00 1,198,940.00
Accounts Payable -- -- --
Payable/Accrued 94,476.00 88,096.00 78,460.00
Accrued Expenses -- -- --
Total Deposits 740,728.00 638,788.00 554,991.00
Other Bearing Liabilities, Total -- -- --
Total Short Term Borrowings 232,829.00 199,075.00 150,267.00
Current Port. of LT Debt/Capital Leases -- -- --
Other Current liabilities, Total -- -- --
Total Current Liabilities -- -- --
Long Term Debt 213,026.00 161,814.00 162,083.00
Capital Lease Obligations -- -- --
Total Long Term Debt 213,026.00 161,814.00 162,083.00
Total Debt 445,855.00 360,889.00 312,350.00
Deferred Income Tax -- -- --
Minority Interest -- -- --
Other Liabilities, Total 157,867.00 147,957.00 145,930.00
Total Liabilities 1,438,930.00 1,235,730.00 1,091,730.00
Redeemable Preferred Stock, Total -- -- --
Preferred Stock - Non Redeemable, Net 0 0 139
Common Stock, Total 3,658.00 3,658.00 3,618.00
Additional Paid-In Capital 78,597.00 77,807.00 74,994.00
Retained Earnings (Accumulated Deficit) 54,715.00 43,600.00 33,848.00
Treasury Stock - Common -12,832.00 -7,718.00 -4,762.00
ESOP Debt Guarantee -- -- --
Unrealized Gain (Loss) -- -- --
Other Equity, Total -917 -1,557.00 -626
Total Equity 123,221.00 115,790.00 107,211.00
Total Liabilities & Shareholders' Equity 1,562,150.00 1,351,520.00 1,198,940.00
Shares Outs - Common Stock Primary Issue 3,367.38 3,461.68 3,486.69
Shares Outstanding - Common Issue 2 -- -- --
Shares Outstanding - Common Issue 3 -- -- --
Shares Outstanding - Common Issue 4 -- -- --
Total Common Shares Outstanding 3,367.38 3,461.68 3,486.69
Total Preferred Shares Outstanding -- -- --
 2004 2003
12/31/2004 12/31/2003
-- --
35,168.00 20,268.00
561,523.00 449,242.00
394,794.00 210,243.00
-- --
-- --
9,145.00 6,487.00
43,203.00 8,511.00
14,684.00 6,480.00
-- --
-- --
98,731.00 69,681.00
1,157,250.00 770,912.00
-- --
75,722.00 45,066.00
-- --
521,456.00 326,492.00
-- --
149,431.00 136,675.00
-- --
-- --
-- --
153,779.00 67,077.00
-- --
153,779.00 67,077.00
303,210.00 203,752.00
-- --
-- --
151,207.00 149,448.00
1,051,600.00 724,758.00
-- --
339 1,009.00
3,585.00 2,044.00
72,801.00 13,512.00
30,209.00 29,681.00
-1,073.00 -62
-- --
-- --
 -208 -30
105,653.00 46,154.00
1,157,250.00 770,912.00
3,556.19 2,042.62
-- --
-- --
-- --
3,556.19 2,042.62
-- --
 Annual Income Statement

In Millions of U.S. Dollars 2007 2006 2005

(except for per share items) 12/31/2007 12/31/2006 12/31/2005

Interest Income, Bank 71,387.00 59,107.00 45,075.00

Total Interest Expense 44,981.00 37,865.00 25,520.00
Net Interest Income 26,406.00 21,242.00 19,555.00
Loan Loss Provision 6,864.00 3,270.00 3,483.00
Net Interest Inc. After Loan Loss Prov. 19,542.00 17,972.00 16,072.00
Non-Interest Income, Bank 44,966.00 40,757.00 34,693.00
Non-Interest Expense, Bank -41,703.00 -38,843.00 -38,926.00
Net Income Before Taxes 22,805.00 19,886.00 11,839.00
Provision for Income Taxes 7,440.00 6,237.00 3,585.00
Net Income After Taxes 15,365.00 13,649.00 8,254.00
Minority Interest -- -- --
Equity In Affiliates -- -- --
U.S. GAAP Adjustment -- -- --
Net Income Before Extra. Items 15,365.00 13,649.00 8,254.00
Accounting Change -- -- --
Discontinued Operations 0 795 229
Extraordinary Item -- -- --
Tax on Extraordinary Items -- -- --
Net Income 15,365.00 14,444.00 8,483.00
Preferred Dividends 0 -4 -13
General Partners' Distributions -- -- --
Miscellaneous Earnings Adjustment -- -- --
Pro Forma Adjustment -- -- --
Interest Adjustment - Primary EPS -- -- --
Income Available to Com Excl ExtraOrd 15,365.00 13,645.00 8,241.00
Income Available to Com Incl ExtraOrd 15,365.00 14,440.00 8,470.00
Basic Weighted Average Shares 3,404.00 3,470.00 3,492.00
Basic EPS Excluding Extraordinary Items 4.514 3.932 2.36
Basic EPS Including Extraordinary Items 4.514 4.161 2.426
Dilution Adjustment 0 0 0
Diluted Weighted Average Shares 3,508.00 3,574.00 3,557.00
Diluted EPS Excluding ExtraOrd Items 4.38 3.818 2.317
Diluted EPS Including ExtraOrd Items 4.38 4.04 2.381
DPS - Common Stock Primary Issue 1.48 1.36 1.36
Gross Dividends - Common Stock 5,165.00 4,860.00 4,831.00
Total Special Items 209 305 722
Normalized Income Before Taxes 23,014.00 20,191.00 12,561.00
Effect of Special Items on Income Taxes 68 96 219
Inc Tax Ex Impact of Sp Items 7,508.00 6,333.00 3,804.00
Normalized Income After Taxes 15,506.00 13,858.00 8,757.00
Normalized Inc. Avail to Com. 15,506.00 13,854.00 8,744.00
Basic Normalized EPS 4.555 3.993 2.504
Diluted Normalized EPS 4.42 3.876 2.458
 2004 2003
12/31/2004 12/31/2003

30,460.00 24,044.00
13,933.00 11,079.00
16,527.00 12,965.00
2,544.00 1,540.00
13,983.00 11,425.00
25,845.00 20,419.00
-33,972.00 -21,816.00
5,856.00 10,028.00
1,596.00 3,309.00
4,260.00 6,719.00
-- --
-- --
-- --
4,260.00 6,719.00
-- 0
206 --
-- --
-- --
4,466.00 6,719.00
-52 -51
-- --
-- --
-- --
-- --
4,208.00 6,668.00
4,414.00 6,668.00
2,780.00 2,008.60
1.514 3.32
1.588 3.32
-- 0
2,851.00 2,055.10
1.476 3.245
1.548 3.245
1.36 1.36
3,886.00 2,838.00
1,365.00 100
7,221.00 10,128.00
 372 33
1,968.00 3,342.00
5,253.00 6,786.00
5,201.00 6,735.00
1.871 3.353
1.824 3.277
Annual Cash Flow Statement

In Millions of U.S. Dollars 2007 2006 2005

(except for per share items) 12/31/2007 12/31/2006 12/31/2005

Net Income/Starting Line 15,365.00 14,444.00 8,483.00

Depreciation/Depletion 2,427.00 2,149.00 2,828.00
Amortization 1,394.00 1,428.00 1,490.00
Deferred Taxes 1,307.00 -1,810.00 -1,791.00
Non-Cash Items 578 -3,771.00 -5,941.00
Changes in Working Capital -131,631.00 -62,019.00 -35,305.00
Cash from Operating Activities -110,560.00 -49,579.00 -30,236.00
Capital Expenditures -- -- --
Other Investing Cash Flow Items, Total -73,118.00 -99,627.00 -12,944.00
Cash from Investing Activities -73,118.00 -99,627.00 -12,944.00
Financing Cash Flow Items 107,605.00 124,902.00 33,421.00
Total Cash Dividends Paid -5,051.00 -4,846.00 -4,878.00
Issuance (Retirement) of Stock, Net -6,711.00 -2,418.00 -2,930.00
Issuance (Retirement) of Debt, Net 87,143.00 35,111.00 19,456.00
Cash from Financing Activities 182,986.00 152,749.00 45,069.00
Foreign Exchange Effects 424 199 -387
Net Change in Cash -268 3,742.00 1,502.00
 2004 2003
12/31/2004 12/31/2003

4,466.00 6,719.00
2,924.00 3,101.00
911 --
-827 1,428.00
5,630.00 -408
-28,251.00 3,435.00
-15,147.00 14,275.00
-- --
-29,734.00 12,744.00
-29,734.00 12,744.00
59,121.00 -34,033.00
-3,927.00 -2,865.00
-560 1,213.00
4,962.00 9,434.00
59,596.00 -26,251.00
185 282
14,900.00 1,050.00
Growth Rates

Growth Rates % Company Industry S&P 500

Sales (Qtr vs year ago qtr) -7.9 -3.8 13.2
Net Income (YTD vs YTD) -67.2 -25.2 19.1
Net Income (Qtr vs year ago qtr) -106.4 -78.9 6.8
Sales (5-Year Annual Avg.) 22.45 13.73 13.4
Net Income (5-Yr Annual Avg.) 56.98 19.2 18.96
Dividends (5-Yr Annual Avg.) 1.71 8.7 12.2

Price Ratios

Price Ratios Company Industry S&P 500

Current P/E Ratio 13 7.8 14.2
P/E Ratio 5-Year High NA 0.8 11.1
P/E Ratio 5-Year Low NA 0.2 2.4
Price/Sales Ratio 1.45 2.54 1.39
Price/Book Value 0.71 1.26 2.62
Price/Cash Flow Ratio 8.6 10.3 8.7
Profit Margins

Profit Margins % Company Industry S&P 500

Gross Margin NA 0 38
Pre-Tax Margin 12.2 2 15.4
Net Profit Margin 10.8 3.4 10.9
5Yr Gross Margin (5-Yr Avg.) NA 0 37
5Yr PreTax Margin (5-Yr Avg.) 26.7 29.4 17
5Yr Net Profit Margin (5-Yr Avg.) 18.3 21 11.8

Financial Position

Financial Position Company Industry S&P 500

Debt/Equity Ratio 4.89 4.39 1.17
Current Ratio NA NA 1.2
Quick Ratio NA NA 1
Interest Coverage NA 0 58.9
Leverage Ratio 15.4 19.4 3.8
Book Value/Share 39.13 25.92 20.78
Returns Ratio

Investment Returns % Company Industry S&P 500

Return On Equity 5.5 4 22
Return On Assets 0.4 0.4 9.1
Return On Capital NA 0 12.4
Return On Equity (5-Year Avg.) 10.6 15.7 21
Return On Assets (5-Year Avg.) 0.9 1 8
Return On Capital (5-Year Avg.) NA 0 10.7

Management Efficiency

Management Efficiency Company Industry S&P 500

Income/Employee 86554 58180 128983
Revenue/Employee 402051 291965 1 Mil
Receivable Turnover NA 0 14.4
Inventory Turnover NA NA 10.8
Asset Turnover NA 0 1
Income Statement - 10 Year Summary
(in Millions)
Sales EBIT Depreciation Total Net Income EPS
Dec-07 0 22,805.00 3,821.00 15,365.00 4.38
Dec-06 0 19,886.00 3,577.00 13,649.00 3.82
Dec-05 0 11,839.00 4,318.00 8,254.00 2.32
Dec-04 0 5,856.00 3,835.00 4,260.00 1.48
Dec-03 0 10,028.00 3,101.00 6,719.00 3.24
Dec-02 0 2,519.00 2,979.00 1,663.00 0.8
Dec-01 0 2,566.00 2,891.00 1,719.00 0.82
Dec-00 0 8,733.00 2,545.00 5,727.00 2.86
Dec-99 0 11,489.00 1,945.00 7,501.00 3.69
Dec-98 0 7,347.00 1,915.00 4,745.00 2.27
Tax Rate (%) Balance Sheet - 10 Year Summary
32.62 (in Millions)
31.36 Current Assets Current Liabilities Long Term Debt
30.28 Dec-07 1,562,147.00 1,438,926.00 213,026.00
27.25 Dec-06 1,351,520.00 1,235,730.00 161,814.00
33 Dec-05 1,198,942.00 1,091,731.00 162,083.00
33.98 Dec-04 1,157,248.00 1,051,595.00 153,779.00
33.01 Dec-03 770,912.00 724,758.00 67,077.00
34.42 Dec-02 758,800.00 716,494.00 45,190.00
34.71 Dec-01 693,575.00 652,476.00 43,622.00
35.42 Dec-00 715,348.00 673,010.00 47,238.00
Dec-99 667,003.00 631,947.00 45,540.00
Dec-98 626,942.00 591,843.00 47,132.00
Shares Outstanding
3.4 Bil
3.5 Bil
3.5 Bil
3.6 Bil
2.0 Bil
2.0 Bil
2.0 Bil
1.9 Bil
1.9 Bil
1.9 Bil
P/E  EPS Growth  Sales Growth
Current FY Estimate 15.84 vs. Previous Year -87.63 vs. Previous Year
Trailing 12 Months 11.71 vs. Previous Quarter -78.95 vs. Previous Quarter
PEG Ratio 2.11
 Price Ratios  ROE  ROA
Price/Book 0.65 09/30/08 6.26 09/30/08
Price/Cash Flow 4.57 06/30/08 8.73 06/30/08
Price/Sales 1.45 03/31/08 10.61 03/31/08
 Current Ratio  Quick Ratio  Operating Margin
09/30/08 1.01 09/30/08 1.01 09/30/08
06/30/08 1.02 06/30/08 1.02 06/30/08
03/31/08 1.04 03/31/08 1.04 03/31/08
 Net Margin  Pre-Tax Margin  Book Value
09/30/08 12.22 09/30/08 12.22 09/30/08
06/30/08 22.42 06/30/08 22.42 06/30/08
03/31/08 27.43 03/31/08 27.43 03/31/08
 Inventory Turnover  Debt-to-Equity  Debt-to-Capital
09/30/08 - 09/30/08 2.95 09/30/08
06/30/08 - 06/30/08 2.22 06/30/08
03/31/08 - 03/31/08 1.74 03/31/08
owth
-8.53
-19.9

0.44
0.67
0.84
g Margin
11.93
15.74
18.69
ue
40.06
37.11
36.99
Capital
74.37
69.26
65.05