SUPPLEMENTARY FINANCIAL INFORMATION For the Quarter Ended April 30, 2002

SUPPLEMENTARY FINANCIAL INFORMATION For the Quarter Ended April 30, 2002 INVESTOR RELATIONS 18th Floor First Canadian Place Toronto, Ontario www.bmo.com/investorrelations Susan Payne, Senior Vice President (416) 867-6656 susan.payne@bmo.com Lynn Inglis, Director (416) 867-5452 lynn.inglis@bmo.com Amanda Mason, Manager (416) 867-3562 amanda.mason@bmo.com Karen Maidment, Executive Vice President and Chief Financial Officer (416) 867-6776 karen.maidment@bmo.com

INDEX page page Notes to Users 1 Average Assets by Operating Group and Geographic Area 17 Financial Highlights 2-4 Fair Value of Financial Instruments 17 Income Statement Information 2 Profitability Measures 2 Asset Securitization 18 Balance Sheet Information 2 Balance Sheet Measures 3 Goodwill and Intangible Assets 19 Cash-Based Statistical Information 3 Dividend Information 3 Unrealized Gains and (Losses) on Securities 19 Share Information 3 Growth-Based Statistical Information 4 Capital and Risk-Weighted Assets 20 Other Statistical Information 4 Additional Bank Information 4 Derivative Financial Instruments 21 U.S. GAAP Reconciliation 22 Summary Income Statements and Operating Group Review 5-10 Assets Under Administration and Management 22 Total Bank Consolidated (1) 5 Net Income by Operating Group and Geographic Area 6 Commitments and Contingent Liabilities 22 Non-Recurring Items by Operating Group 6 Personal & Commercial Client Group (1) 7 Credit-Risk Related Schedules 23-32 Private Client Group (1) 8 Gross Loans and Acceptances Segmented Information 23-24 Investment Banking Group (1) 9 Net Loans and Acceptances Segmented Information 25-26 Emfisys & Corporate Support (1) 10 Allowances for Credit Losses Segmented Information 27-28 Changes in Gross Impaired Loans and Allowances for Credit Losses 29 Harris Bank (Legal Entity) Summary Income Statement and Highlights 11 Net Impaired Loans and Acceptances Segmented Information 30-31 Provision for Credit Losses Segmented Information 32 Other Income and Trading Revenue 12 Market-Risk Related Schedules 33-35 Non-Interest Expenses 13 Interest Rate Risk 33 Interest Rate Risk Sensitivity 33 Expense Growth Analysis (excluding non-recurring items) 14 Earnings Volatility 34 Market Value Exposure 34 Balance Sheets (As At and Average Daily Balances) 15-16 Liquid Assets and Deposits 35 (1) Summary Income Statement and Highlights as reported and excluding non-recurring. This report is unaudited and all amounts are in millions of Canadian dollars, unless otherwise indicated.

NOTES TO USERS Presentation Changes in Report Accounting and Organizational Changes Changes to this quarter s Supplementary Financial Information document In The First Quarter have been made as follows: On November 1, 2001, we changed our accounting for goodwill and other intangible 10 A new line added for "Amortization of intangible assets, net of income tax" assets as required by CICA Handbook section 3062 "Goodwill and Other and "Cash net income" on page 5. Intangible Assets". Under the new standard, goodwill is no longer amortized to income over time, and is subject to a periodic impairment review to ensure 10 Change in the presentation format of the Asset Securitization table on that the fair value remains greater than, or equal to, book value. Any excess of page 18. book value over fair value would be charged to income in the period in which the impairment is determined. We have adopted this new accounting standard 10 Added a quarterly format to the Goodwill and Intangible Assets on prospectively. As a result of this change in accounting policy, amortization of page 19. goodwill decreased by $29, net of applicable income tax of $4, for the six months ended April 30, 2002. 10 More detailed disclosure of Credit Risk related information on page 23, 25, 27 and 30. We have completed the impairment test required upon adoption of the new standard and have determined that an impairment charge was not necessary for the six 10 Added a new table for the Provision for Credit Losses Segmented months ended April 30, 2002. Information on a percentage basis. In The Second Quarter Use of this Document The North American Cash Management (NACM) business was transferred from Information in this package is supplementary to the Bank's second quarter Emfisys to the Investment Banking Group, to align product distribution more 2002 Report to Shareholders and the 2001 Annual Report and should be effectively with client coverage. read in conjunction with those documents. This report is unaudited and all amounts are in millions of Canadian dollars, unless indicated otherwise. Items indicated N.A. were not available Items indicated n.a. were not applicable Taxable Equivalent Basis (TEB) Adjustment - An addition to interest income to gross up the tax-exempt income earned on certain securities (primarily loan substitutes securities) to an amount which, had it been taxable at the statutory rate, would result in the same after-tax net income as appears in the financial statements. This results in a better reflection of the pre-tax economic yield of these assets and facilitates uniform measurement and comparison of net interest income. Users may provide their comments and suggestions on the Supplementary Financial Information document by contacting Amanda Mason at (416) 867-3562 or amanda.mason@bmo.com. April 30, 2002 Supplementary Financial Information Page 1

FINANCIAL HIGHLIGHTS 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions except as noted) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 Income Statement Information Total revenues (TEB) 2,222 2,205 1,951 2,234 2,485 2,193 2,162 2,095 2,284 4,427 4,678 8,863 8,664 excluding non-recurring items 2,222 2,205 2,129 2,234 2,196 2,149 2,155 2,076 2,196 4,427 4,345 8,708 8,438 Provision for credit losses (PCL) 320 180 546 117 217 100 58 100 100 500 317 980 358 excluding non-recurring items 320 180 546 117 117 100 100 100 100 500 217 880 400 Non-interest expense 1,476 1,462 1,449 1,421 1,404 1,397 1,330 1,326 1,348 2,938 2,801 5,671 5,258 excluding non-recurring items 1,476 1,462 1,449 1,421 1,404 1,397 1,373 1,326 1,348 2,938 2,801 5,671 5,301 Net income 301 372 4 444 607 416 485 401 497 673 1,023 1,471 1,857 excluding non-recurring items 301 372 109 444 422 403 430 390 445 673 825 1,378 1,672 Net economic profit 42 115 (249) 184 352 146 212 124 226 157 498 433 763 Total revenues per Consolidated Statement of Income 2,193 2,178 1,919 2,190 2,453 2,159 2,127 2,062 2,249 4,371 4,612 8,721 8,530 Total revenues (TEB) 2,222 2,205 1,951 2,234 2,485 2,193 2,162 2,095 2,284 4,427 4,678 8,863 8,664 Provision for income taxes per Consolidated Statement of Income 81 148 (109) 183 201 226 235 219 287 229 427 501 989 Provision for income taxes (TEB) 110 175 (77) 227 233 260 270 252 322 285 493 643 1,123 Taxable equivalent basis (TEB) adjustment 29 27 32 44 32 34 35 33 35 56 66 142 134 Profitability Measures Basic earnings per share $0.57 $0.73 $0.00 $0.85 $1.13 $0.74 $0.87 $0.71 $0.88 $1.30 $1.87 $2.72 $3.30 excluding non-recurring items $0.57 $0.73 $0.20 $0.85 $0.77 $0.72 $0.78 $0.68 $0.79 $1.30 $1.49 $2.54 $2.96 Diluted earnings per share $0.57 $0.71 $0.00 $0.83 $1.10 $0.73 $0.86 $0.69 $0.87 $1.28 $1.83 $2.66 $3.25 excluding non-recurring items $0.57 $0.71 $0.19 $0.83 $0.76 $0.70 $0.76 $0.67 $0.78 $1.28 $1.46 $2.48 $2.91 Return on equity 11.6 % 14.5 % (0.4)% 16.8 % 23.7 % 15.3 % 18.4 % 15.0 % 19.8 % 13.1 % 19.4 % 13.8 % 18.0 % excluding non-recurring items 11.6 % 14.5 % 3.8 % 16.8 % 16.2 % 14.8 % 16.2 % 14.5 % 17.6 % 13.1 % 15.5 % 12.9 % 16.1 % Return on average assets 0.51 % 0.60 % 0.01 % 0.75 % 1.00 % 0.67 % 0.81 % 0.67 % 0.87 % 0.55 % 0.84 % 0.60 % 0.79 % excluding non-recurring items 0.51 % 0.60 % 0.18 % 0.75 % 0.70 % 0.65 % 0.72 % 0.65 % 0.78 % 0.55 % 0.67 % 0.57 % 0.71 % Return on average risk-weighted assets 0.94 % 1.11 % 0.01 % 1.33 % 1.93 % 1.24 % 1.45 % 1.15 % 1.45 % 1.03 % 1.57 % 1.11 % 1.35 % excluding non-recurring items 0.94 % 1.11 % 0.32 % 1.33 % 1.34 % 1.20 % 1.28 % 1.12 % 1.30 % 1.03 % 1.27 % 1.04 % 1.22 % Non interest expense-to-revenue ratio 66.4 % 66.3 % 74.2 % 63.6 % 56.5 % 63.7 % 61.5 % 63.2 % 59.1 % 66.4 % 59.9 % 64.0 % 60.7 % excluding non-recurring items 66.4 % 66.3 % 68.1 % 63.6 % 63.9 % 65.0 % 63.8 % 63.8 % 61.4 % 66.4 % 64.5 % 65.1 % 62.8 % Net interest margin (TEB) on average assets 2.02 % 2.07 % 1.94 % 2.09 % 1.80 % 1.81 % 1.81 % 1.82 % 1.89 % 2.05 % 1.81 % 1.91 % 1.85 % on average earning assets 2.45 % 2.57 % 2.38 % 2.47 % 2.15 % 2.16 % 2.15 % 2.11 % 2.16 % 2.51 % 2.16 % 2.29 % 2.13 % PCL to average loans and acceptances 0.87 % 0.49 % 1.49 % 0.32 % 0.57 % 0.27 % 0.16 % 0.28 % 0.28 % 0.68 % 0.43 % 0.66 % 0.25 % excluding non-recurring items (annualized) 0.87 % 0.49 % 1.49 % 0.32 % 0.31 % 0.27 % 0.28 % 0.28 % 0.28 % 0.68 % 0.29 % 0.60 % 0.28 % Effective tax rate (TEB) 25.91 % 31.12 % 175.00 % 32.68 % 26.97 % 37.28 % 34.91 % 37.68 % 38.49 % 28.87 % 31.57 % 29.09 % 36.86 % excluding non-recurring items 25.91 % 31.12 % (2.64)% 32.68 % 33.83 % 35.14 % 34.10 % 37.55 % 38.19 % 28.87 % 34.48 % 31.59 % 36.42 % Balance Sheet Information Total assets 240,008 239,440 239,409 230,203 235,154 242,230 233,396 235,646 238,414 240,008 235,154 239,409 233,396 Average assets 243,677 246,890 245,757 234,041 248,066 245,283 237,703 238,488 233,354 245,310 246,650 243,248 234,944 Average earning assets 200,595 199,208 200,664 198,057 208,225 205,028 202,721 205,886 204,127 199,890 206,600 202,951 204,002 Average common equity 9,952 9,691 10,121 9,979 10,184 10,118 9,909 9,998 9,698 9,819 10,151 10,100 9,745 Gross impaired loans (GIL) 2,150 2,193 2,014 1,836 1,653 1,702 1,501 1,334 1,189 2,150 1,653 2,014 1,501 Allowance for credit losses (ACL) 2,097 2,023 1,949 1,661 1,656 1,554 1,597 1,610 1,552 2,097 1,656 1,949 1,597 April 30, 2002 Supplementary Financial Information Page 2

FINANCIAL HIGHLIGHTS 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions except as noted) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 Balance Sheet Measures Cash and securities-to-total assets ratio 26.0% 25.2% 23.1% 25.6% 26.4% 26.3% 27.8% 29.1% 30.1% 26.0% 26.4% 23.1% 27.8% GIL to Gross loans and Acceptances 1.5% 1.5% 1.4% 1.3% 1.1% 1.1% 1.0% 0.9% 0.8% 1.5% 1.1% 1.4% 1.0% ACL to gross impaired loans 97.5% 92.3% 96.8% 90.5% 100.2% 91.3% 106.4% 120.6% 130.6% 97.5% 100.2% 96.8% 106.4% Tier 1 capital ratio 8.61% 8.87% 8.15% 8.84% 8.94% 8.87% 8.83% 8.49% 8.06% 8.61% 8.94% 8.15% 8.83% Total capital ratio 12.48% 12.93% 12.12% 12.60% 12.74% 12.12% 11.97% 11.78% 11.13% 12.48% 12.74% 12.12% 11.97% Cash-Based Statistical Information Basic earnings per share $0.60 $0.76 $0.06 $0.89 $1.18 $0.79 $0.92 $0.74 $0.92 $1.36 $1.97 $2.92 $3.45 excluding non-recurring items $0.60 $0.76 $0.26 $0.89 $0.83 $0.76 $0.81 $0.73 $0.81 $1.36 $1.59 $2.74 $3.10 Diluted earnings per share $0.59 $0.75 $0.06 $0.88 $1.15 $0.77 $0.90 $0.73 $0.90 $1.34 $1.92 $2.86 $3.39 excluding non-recurring items $0.59 $0.75 $0.25 $0.88 $0.80 $0.75 $0.80 $0.71 $0.80 $1.34 $1.55 $2.68 $3.05 Return on equity 12.2% 15.2% 0.7% 17.8% 24.7% 16.2% 19.3% 15.7% 20.6% 13.7% 20.4% 14.8% 18.8% excluding non-recurring items 12.2% 15.2% 4.8% 17.8% 17.2% 15.7% 17.1% 15.3% 18.4% 13.7% 16.5% 13.9% 16.9% Non interest expense-to-revenue ratio 65.7% 65.6% 73.6% 63.2% 56.0% 63.3% 61.2% 63.0% 58.8% 65.7% 59.5% 63.5% 60.4% excluding non-recurring items 65.7% 65.6% 67.5% 63.2% 63.4% 64.6% 63.4% 63.5% 61.2% 65.7% 64.0% 64.6% 62.6% Return on average assets 0.53% 0.62% 0.22% 0.79% 0.74% 0.69% 0.75% 0.68% 0.81% 0.58% 0.71% 0.61% 0.74% excluding non-recurring items 0.53% 0.62% 0.39% 0.79% 0.44% 0.67% 0.66% 0.66% 0.72% 0.58% 0.55% 0.57% 0.67% Net income 316 388 31 469 632 440 504 420 516 704 1,072 1,572 1,931 excluding non-recurring items 316 388 136 469 447 427 449 409 464 704 874 1,479 1,746 Dividend Information Dividends declared per share $0.30 $0.30 $0.28 $0.28 $0.28 $0.28 $0.25 $0.25 $0.25 $0.60 $0.56 $1.12 $1.00 Dividends paid per share $0.30 $0.28 $0.28 $0.28 $0.28 $0.25 $0.25 $0.25 $0.25 $0.58 $0.53 $1.09 $0.99 Common dividends 147 147 137 142 142 147 131 131 134 294 289 568 530 Preferred dividends 20 17 14 20 20 26 25 25 26 37 46 80 101 Dividend yield 3.18% 3.33% 3.31% 2.74% 3.18% 2.74% 2.84% 3.14% 3.72% 3.18% 3.18% 3.31% 2.84% Dividend payout ratio 52.4% 41.4% (100)%+ 33.5% 24.2% 37.8% 28.4% 34.9% 28.4% 46.3% 29.6% 40.8% 30.2% excluding non-recurring items 52.4% 41.4% 143.1% 33.5% 35.2% 39.1% 32.3% 35.9% 31.9% 46.3% 37.1% 43.8% 33.7% Share Information Share price high $39.60 $37.70 $44.10 $43.25 $44.40 $41.70 $35.80 $32.85 $28.40 $39.60 $44.40 $44.40 $35.80 low $34.05 $34.39 $32.75 $34.20 $35.00 $33.40 $29.90 $26.63 $21.58 $34.05 $33.40 $32.75 $21.00 close $37.68 $36.00 $33.86 $40.85 $35.20 $40.89 $35.25 $31.88 $26.88 $37.68 $35.20 $33.86 $35.25 Book value per share $20.29 $20.11 $19.69 $20.44 $19.93 $19.53 $19.63 $18.87 $18.72 $20.29 $19.93 $19.69 $19.63 Number of common shares outstanding (000's) end of period 490,716 489,909 489,085 507,614 506,764 526,429 522,584 524,811 536,051 490,716 506,764 489,085 522,584 average basic 490,369 489,499 499,013 502,373 519,403 524,621 522,455 532,775 535,640 489,927 522,055 511,286 531,318 average diluted 499,546 498,210 510,084 514,322 532,263 537,757 534,098 543,309 543,300 498,867 535,055 523,561 540,815 Total market value of common shares 18,490 17,637 16,560 20,736 17,838 21,523 18,421 16,728 14,406 18,490 17,838 16,560 18,421 Market-to-book value ratio 1.86 1.79 1.72 2.00 1.77 2.09 1.80 1.69 1.44 1.86 1.77 1.72 1.80 Price-to-earnings multiple 17.5 13.3 12.4 11.4 10.2 12.8 10.7 11.1 9.5 17.5 10.2 12.4 10.7 Total shareholder return twelve months 10.4 % (9.3)% (1.2)% 32.0 % 35.0 % 75.8 % 29.0 % 20.5 % (8.3)% 10.4 % 35.0 % (1.2)% 29.0 % five year 11.6 % 12.5 % 14.3 % 23.9 % 20.4 % 23.8 % 22.9 % 21.5 % 18.2 % 11.6 % 20.4 % 14.3 % 22.9 % April 30, 2002 Supplementary Financial Information Page 3

FINANCIAL HIGHLIGHTS 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions except as noted) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 Growth-Based Statistical Information Diluted earnings per share growth (48.2)% (2.7)% (100.0)% 20.3 % 26.4 % (12.0)% 100.0 % 1.5 % 40.3 % (30.1)% 7.6 % (18.2)% 38.9 % excluding non-recurring items (25.0)% 1.4 % (75.0)% 23.9 % (2.6)% 0.0 % 20.6 % 3.1 % 25.8 % (12.3)% (1.4)% (14.8)% 15.9 % Cash diluted earnings per share growth (48.7)% (2.6)% (93.3)% 20.5 % 27.8 % (10.5)% 95.7 % 2.8 % 38.5 % (30.2)% 9.1 % (15.6)% 37.8 % excluding non-recurring items (26.3)% 0.0 % (68.8)% 23.9 % 0.0 % 1.4 % 19.4 % 4.4 % 23.1 % (13.5)% 0.6 % (12.1)% 15.5 % Net economic profit growth (88.2)% (21.4)% (100)%+ 48.9 % 55.6 % (27.6)% 100%+ (15.7)% 70.1 % (68.6)% 16.5 % (43.3)% 90.0 % Revenue growth (10.5)% 0.6 % (9.7)% 6.6 % 8.8 % 3.2 % 7.7 % 3.4 % 16.5 % (5.3)% 6.1 % 2.3 % 9.3 % excluding non-recurring items 1.2 % 2.6 % (1.2)% 7.5 % 0.0 % 6.8 % 4.4 % 3.9 % 12.0 % 1.9 % 3.3 % 3.2 % 6.1 % Expense growth 5.2 % 4.6 % 8.9 % 7.2 % 4.0 % 11.4 % (11.4)% 3.1 % 6.2 % 4.9 % 7.6 % 7.8 % (0.6)% excluding non-recurring items 5.2 % 4.6 % 5.5 % 7.2 % 4.0 % 11.4 % 1.0 % 3.1 % 6.2 % 4.9 % 7.6 % 7.0 % 3.0 % Net income growth (50.4)% (10.5)% (99.1)% 10.5 % 22.3 % (12.3)% 87.9 % 0.9 % 36.6 % (34.2)% 5.4 % (20.8)% 34.4 % excluding non-recurring items (28.8)% (7.5)% (74.6)% 13.5 % (4.9)% (1.1)% 15.6 % 2.8 % 22.3 % (18.4)% (3.1)% (17.6)% 13.1 % Other Statistical Information Cost of equity 10.5 % 10.5 % 10.5 % 10.5 % 10.5 % 10.5 % 10.7 % 10.8 % 11.1 % 10.5 % 10.5 % 10.5 % 11.0 % Prime rate average Canadian 3.79 % 4.11 % 5.52 % 6.29 % 6.91 % 7.48 % 7.50 % 7.41 % 6.85 % 3.95 % 7.20 % 6.55 % 7.05 % average U.S. 4.75 % 4.90 % 6.16 % 6.99 % 8.21 % 9.35 % 9.63 % 9.54 % 8.98 % 4.82 % 8.79 % 7.68 % 9.18 % Exchange rate as at US/Cdn dollar 1.5685 1.5873 1.5887 1.5325 1.5366 1.4989 1.5225 1.4870 1.4801 1.5685 1.5366 1.5887 1.5225 average US/Cdn dollar 1.5880 1.5844 1.5726 1.5285 1.5503 1.5112 1.4991 1.4881 1.4597 1.5862 1.5304 1.5406 1.4754 as at peso/cdn dollar 0.1668 0.1736 0.1714 0.1672 0.1663 0.1553 0.1592 0.1591 0.1579 0.1668 0.1663 0.1714 0.1592 average peso/cdn dollar 0.1732 0.1728 0.1688 0.1676 0.1641 0.1581 0.1595 0.1559 0.1564 0.1730 0.1610 0.1646 0.1563 Additional Bank Information Number of full-time equivalent employees Canada 27,445 27,809 27,217 27,302 27,181 27,050 26,854 26,600 25,931 27,445 27,181 27,217 26,854 United States 6,731 6,388 6,484 6,119 6,089 5,968 6,204 6,659 6,923 6,731 6,089 6,484 6,204 Other 130 158 141 164 164 169 142 148 149 130 164 141 142 Total 34,306 34,355 33,842 33,585 33,434 33,187 33,200 33,407 33,003 34,306 33,434 33,842 33,200 Number of bank branches Canada 963 963 960 953 953 969 983 1,000 1,034 963 953 960 983 United States 163 165 164 166 149 149 147 145 150 163 149 164 147 Other 5 5 5 5 5 5 5 5 5 5 5 5 5 Total 1,131 1,133 1,129 1,124 1,107 1,123 1,135 1,150 1,189 1,131 1,107 1,129 1,135 Number of automated banking machines (Canada) 2,000 1,996 1,982 1,982 1,982 1,983 1,987 1,984 2,013 2,000 1,982 1,982 1,987 Credit rating (1) AA- AA- AA- AA- AA- AA- AA- AA- AA- AA- AA- AA- AA- (1) Composite of Standard & Poor's and Moody's ratings on Senior Debt. April 30, 2002 Supplementary Financial Information Page 4

TOTAL BANK CONSOLIDATED SUMMARY INCOME STATEMENT 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 As Reported Net interest income (TEB) 1,200 1,288 1,201 1,231 1,092 1,117 1,083 1,090 1,084 2,488 2,209 4,641 4,338 Other income 1,022 917 750 1,003 1,393 1,076 1,079 1,005 1,200 1,939 2,469 4,222 4,326 Total revenues (TEB) 2,222 2,205 1,951 2,234 2,485 2,193 2,162 2,095 2,284 4,427 4,678 8,863 8,664 Provision for credit losses 320 180 546 117 217 100 58 100 100 500 317 980 358 Net interest and other income 1,902 2,025 1,405 2,117 2,268 2,093 2,104 1,995 2,184 3,927 4,361 7,883 8,306 Non-interest expense 1,476 1,462 1,449 1,421 1,404 1,397 1,330 1,326 1,348 2,938 2,801 5,671 5,258 Income before taxes, non-controlling interest in subsidiaries and goodwill 426 563 (44) 696 864 696 774 669 836 989 1,560 2,212 3,048 Provision for income taxes (TEB) 110 175 (77) 227 233 260 270 252 322 285 493 643 1,123 Non-controlling interest in subsidiaries 15 16 14 11 10 7 6 4 5 31 17 42 19 Net Income before goodwill 301 372 19 458 621 429 498 413 509 673 1,050 1,527 1,906 Amortization of goodwill, net of income tax - - 15 14 14 13 13 12 12-27 56 49 Net Income 301 372 4 444 607 416 485 401 497 673 1,023 1,471 1,857 Amortization of goodwill and intangible assets, net of income tax 15 16 27 25 25 24 19 19 19 31 49 101 74 Cash net income 316 388 31 469 632 440 504 420 516 704 1,072 1,572 1,931 Excluding Non-Recurring Items Net interest income (TEB) 1,200 1,288 1,201 1,231 1,092 1,117 1,083 1,090 1,084 2,488 2,209 4,641 4,338 Other income 1,022 917 928 1,003 1,104 1,032 1,072 986 1,112 1,939 2,136 4,067 4,100 Total revenues (TEB) 2,222 2,205 2,129 2,234 2,196 2,149 2,155 2,076 2,196 4,427 4,345 8,708 8,438 Provision for credit losses 320 180 546 117 117 100 100 100 100 500 217 880 400 Net interest and other income 1,902 2,025 1,583 2,117 2,079 2,049 2,055 1,976 2,096 3,927 4,128 7,828 8,038 Non-interest expense 1,476 1,462 1,449 1,421 1,404 1,397 1,373 1,326 1,348 2,938 2,801 5,671 5,301 Income before taxes, non-controlling interest in subsidiaries and goodwill 426 563 134 696 675 652 682 650 748 989 1,327 2,157 2,737 Provision for income taxes (TEB) 110 175 (4) 227 229 229 233 244 286 285 458 681 997 Non-controlling interest in subsidiaries 15 16 14 11 10 7 6 4 5 31 17 42 19 Net Income before goodwill 301 372 124 458 436 416 443 402 457 673 852 1,434 1,721 Amortization of goodwill, net of income tax - - 15 14 14 13 13 12 12-27 56 49 Net Income 301 372 109 444 422 403 430 390 445 673 825 1,378 1,672 Amortization of goodwill and intangible assets, net of income tax 15 16 27 25 25 24 19 19 19 31 49 101 74 Cash net income 316 388 136 469 447 427 449 409 464 704 874 1,479 1,746 Net Income by Operating Group Expenses by group are matched against the revenues to which they relate. Indirect expenses, such as overhead expenses and any related revenues, are allocated to the operating groups using appropriate formulas applied on a consistent basis. For each currency, funds are transferred from any group with a surplus to any group with a shortfall at appropriate market rates for the currency and term. Segmentation of assets and full-time equivalent employees (FTE) are based upon the geographic location of the unit responsible for managing the related assets, liabilities, revenues and expenses. Prior period results have been restated to give effect to the current year's presentation and organization structure. Provisions for credit losses allocated to the banking groups are based on expected losses over an economic cycle. Differences between expected loss provisions and required provisions under Generally Accepted Accounting Principles (GAAP) are allocated to the Corporate Support Group. April 30, 2002 Supplementary Financial Information Page 5

NET INCOME BY OPERATING GROUP AND GEOGRAPHIC AREA 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions except as noted) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 Personal & Commercial Client Group Canada 169 172 156 169 153 169 182 183 178 341 322 647 769 United States 47 39 28 25 20 23 25 22 18 86 43 96 85 Other 13 15 13 21 13 12 14 13 14 28 25 59 55 Total 229 226 197 215 186 204 221 218 210 455 390 802 909 Private Client Group Canada 34 28 10 22 42 27 32 38 55 62 69 101 163 United States (3) 10-2 5 3 5 9 8 7 8 10 29 Other (1) (1) - - 3 2 - (3) (2) (2) 5 5 - Total 30 37 10 24 50 32 37 44 61 67 82 116 192 Investment Banking Group Canada 20 54 (60) 71 46 82 69 77 75 74 128 139 276 United States 103 97 (63) 101 132 81 97 67 88 200 213 251 328 Other 32 34 27 17 23 24 14 10 26 66 47 91 80 Total 155 185 (96) 189 201 187 180 154 189 340 388 481 684 Emfisys and Corporate Support Canada (130) (61) (56) 20 (16) (39) 17 (41) (27) (191) (55) (91) (82) United States 17 (17) (51) (4) (55) - 7 7 45 - (55) (110) 61 Other - 2 - - 241 32 23 19 19 2 273 273 93 Total (113) (76) (107) 16 170 (7) 47 (15) 37 (189) 163 72 72 Total Consolidated Canada 93 193 50 282 225 239 300 257 281 286 464 796 1,126 United States 164 129 (86) 124 102 107 134 105 159 293 209 247 503 Other 44 50 40 38 280 70 51 39 57 94 350 428 228 Total 301 372 4 444 607 416 485 401 497 673 1,023 1,471 1,857 U.S. to North America net income 63.8 % 40.0 % 100%+ 30.4 % 31.1 % 30.9 % 31.2 % 28.7 % 36.1 % 50.5 % 31.0 % 23.7 % 30.9% Outside Canada to total net income 69.1 % 48.0 % (100)%+ 36.2 % 62.9 % 42.5 % 38.5 % 35.6 % 43.5 % 57.5 % 54.6 % 45.9 % 39.4% U.S. to total net income 54.3 % 34.7 % (100)%+ 27.8 % 16.7 % 25.7 % 27.9 % 25.9 % 31.9 % 43.5 % 20.4 % 16.8 % 27.1% NON-RECURRING ITEMS BY OPERATING GROUP 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 Personal and Commercial Client Group (1) - - - - 5 7 7 19 14-12 12 152 Investment Banking Group (2) - - (178) - - - - - - - - (178) - Emfisys and Corporate Support (3) - - - - 284 37 - - 74-321 321 74 Total other income - - (178) - 289 44 7 19 88-333 155 226 Emfisys and Corporate Support (4) - - - - 100 - (42) - - - 100 100 (42) Total provision for credit losses - - - - 100 - (42) - - - 100 100 (42) Emfisys and Corporate Support (5) - - - - - - (43) - - - - - (43) Total non interest expense - - - - - - (43) - - - - - (43) Personal and Commercial Client Group - - - - 1 2 2 8 6-3 3 61 Investment Banking Group (2) - - (73) - - - - - - - - (73) - Emfisys and Corporate Support (5) - - - - 3 29 35-30 - 32 32 65 Total provision for income taxes - - (73) - 4 31 37 8 36-35 (38) 126 Personal and Commercial Client Group - - - - 4 5 5 11 8-9 9 91 Investment Banking Group (2) - - (105) - - - - - - - - (105) - Emfisys and Corporate Support (6) - - - - 181 8 50-44 - 189 189 94 Total Net Income Impact - - (105) - 185 13 55 11 52-198 93 185 (1) Includes gains on Canadian branch sales from the second quarter of 2000 to the current quarter and the gain on sale of Partners First Holding LLC in the first quarter of 2000. (2) Includes write-down of equity investments in Collateralized Bond Obligations (CBO) in the fourth quarter of 2001. (3) Includes gains on sale of shares in Grupo Financiero Bancomer in the first and second quarter of 2001 and the gain on sale of Corporate Trust in the second quarter of 2000. (4) Includes the increase in the general allowance in the second quarter of 2001 and the reversal of the country risk allowance in the fourth quarter of 2000. (5) Includes the reversal of the 1999 restructuring charge in the fourth quarter of 2000. (6) Includes $25MM adjustment for future tax assets to reflect proposed reductions in federal tax rates, in the first quarter of 2001. April 30, 2002 Supplementary Financial Information Page 6

PERSONAL & COMMERCIAL CLIENT GROUP SUMMARY INCOME STATEMENT AND HIGHLIGHTS 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions except as noted) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 As Reported Net interest income (TEB) 799 812 784 774 745 760 767 747 708 1,611 1,505 3,063 2,936 Other income 302 320 311 335 303 307 324 334 314 622 610 1,256 1,377 Total revenues (TEB) 1,101 1,132 1,095 1,109 1,048 1,067 1,091 1,081 1,022 2,233 2,115 4,319 4,313 Provision for credit losses 71 70 80 65 63 60 59 59 58 141 123 268 235 Net interest and other income 1,030 1,062 1,015 1,044 985 1,007 1,032 1,022 964 2,092 1,992 4,051 4,078 Non-interest expense 662 699 679 680 669 660 651 645 598 1,361 1,329 2,688 2,513 Income before taxes, non-controlling interest in subsidiaries and goodwill 368 363 336 364 316 347 381 377 366 731 663 1,363 1,565 Provision for income taxes (TEB) 139 137 133 143 124 138 156 154 152 276 262 538 638 Non-controlling interest in subsidiaries - - - - - - - - - - - - - Net Income before goodwill 229 226 203 221 192 209 225 223 214 455 401 825 927 Amortization of goodwill, net of income tax - - 6 6 6 5 4 5 4-11 23 18 Net Income 229 226 197 215 186 204 221 218 210 455 390 802 909 Cash-based net income 236 234 210 228 198 214 229 227 219 470 412 850 944 Net economic profit 131 125 114 139 112 126 141 141 131 256 238 491 584 Cash-based return on equity 24.6 % 23.8 % 24.3 % 29.2 % 25.9 % 27.4 % 30.7 % 30.8 % 30.0 % 24.2 % 26.7 % 26.7 % 31.3% Average net interest margin 3.14 % 3.16 % 3.13 % 3.21 % 3.23 % 3.20 % 3.27 % 3.21 % 3.16 % 3.15 % 3.22 % 3.19 % 3.20% Average net interest margin on earning assets 3.27 % 3.30 % 3.26 % 3.33 % 3.35 % 3.32 % 3.38 % 3.33 % 3.27 % 3.29 % 3.34 % 3.31 % 3.31% Non-interest expense-to-revenue ratio 60.1 % 61.8 % 62.1 % 61.3 % 63.8 % 61.9 % 59.7 % 59.6 % 58.5 % 60.9 % 62.8 % 62.2 % 58.3% Average common equity 3,794 3,750 3,269 2,954 2,971 2,959 2,817 2,798 2,827 3,771 2,965 3,039 2,877 Average assets 104,517 101,856 99,202 95,612 94,693 94,095 93,332 92,501 91,000 103,163 94,390 95,909 91,679 Average earning assets 100,169 97,546 95,458 92,133 91,221 90,772 90,281 89,364 87,960 98,836 90,993 92,406 88,631 Average current loans excl. securities purchased 94,622 91,775 89,933 87,275 86,392 85,993 85,535 84,777 83,562 93,175 86,189 87,407 84,045 under resale agreements Securities purchased under resale agreements - - - - - - - 11 11 - - - 8 Average deposits 53,561 52,451 48,941 45,298 43,999 43,796 43,267 42,720 41,599 52,997 43,896 45,521 42,451 Total as at risk-weighted assets 64,246 62,977 61,817 59,446 58,592 57,827 58,380 56,583 56,623 64,246 58,592 61,817 58,380 Assets under administration 11,498 11,662 11,756 10,678 10,110 9,843 10,483 8,891 8,105 11,498 10,110 11,756 10,483 Assets under management 427 470 486 - - - - - - 427-486 - Full-time equivalent employees 18,007 18,111 17,436 17,941 17,801 17,641 18,047 17,879 17,447 18,007 17,801 17,436 18,047 Excluding Non-Recurring Items Net interest income (TEB) 799 812 784 774 745 760 767 747 708 1,611 1,505 3,063 2,936 Other income 302 320 311 335 298 300 317 315 300 622 598 1,244 1,225 Total revenues (TEB) 1,101 1,132 1,095 1,109 1,043 1,060 1,084 1,062 1,008 2,233 2,103 4,307 4,161 Provision for credit losses 71 70 80 65 63 60 59 59 58 141 123 268 235 Net interest and other income 1,030 1,062 1,015 1,044 980 1,000 1,025 1,003 950 2,092 1,980 4,039 3,926 Non-interest expense 662 699 679 680 669 660 651 645 598 1,361 1,329 2,688 2,513 Income before taxes, non-controlling interest in subsidiaries and goodwill 368 363 336 364 311 340 374 358 352 731 651 1,351 1,413 Provision for income taxes (TEB) 139 137 133 143 123 136 154 146 146 276 259 535 577 Non-controlling interest in subsidiaries - - - - - - - - - - - - - Net Income before goodwill 229 226 203 221 188 204 220 212 206 455 392 816 836 Amortization of goodwill, net of income tax - - 6 6 6 5 4 5 4-11 23 18 Net Income 229 226 197 215 182 199 216 207 202 455 381 793 818 Cash-based net income 236 234 210 228 194 209 224 216 211 470 403 841 853 Cash-based return on equity 24.6 % 23.8 % 24.3 % 29.2 % 25.4 % 26.7 % 30.0 % 29.2 % 28.9 % 24.2 % 26.0 % 26.3 % 28.1% Non-interest expense-to-revenue ratio 60.1 % 61.8 % 62.1 % 61.3 % 64.1 % 62.3 % 60.1 % 60.6 % 59.3 % 60.9 % 63.2 % 62.4 % 60.4% April 30, 2002 Supplementary Financial Information Page 7

PRIVATE CLIENT GROUP SUMMARY INCOME STATEMENT AND HIGHLIGHTS 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions except as noted) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 As Reported Net interest income (TEB) 131 132 132 128 132 141 132 137 125 263 273 533 507 Other income 305 254 228 237 260 240 258 243 314 559 500 965 1,059 Total revenues (TEB) 436 386 360 365 392 381 390 380 439 822 773 1,498 1,566 Provision for credit losses 1-1 - 1-1 - - 1 1 2 1 Net interest and other income 435 386 359 365 391 381 389 380 439 821 772 1,496 1,565 Non-interest expense 383 328 336 310 306 323 322 295 327 711 629 1,275 1,212 Income before taxes and goodwill 52 58 23 55 85 58 67 85 112 110 143 221 353 Provision for income taxes (TEB) 22 21 10 29 32 24 28 39 49 43 56 95 153 Net Income before goodwill 30 37 13 26 53 34 39 46 63 67 87 126 200 Amortization of goodwill, net of income tax - - 3 2 3 2 2 2 2-5 10 8 Net Income 30 37 10 24 50 32 37 44 61 67 82 116 192 Cash-based net income 37 46 17 32 57 38 41 48 65 83 95 144 206 Net economic profit 1 16 (5) 9 34 17 22 31 48 17 51 55 139 Cash-based return on equity 10.8 % 16.8 % 8.0 % 14.5 % 27.6 % 18.8 % 24.1 % 32.1 % 45.2 % 13.5 % 23.3 % 17.2 % 35.3% Average net interest margin 9.73 % 10.53 % 10.56 % 9.54 % 10.06 % 9.79 % 10.16 % 11.91 % 12.36 % 10.12 % 9.92 % 9.97 % 11.82% Average net interest margin on earning assets 13.27 % 12.92 % 12.55 % 11.47 % 12.09 % 11.91 % 11.92 % 13.83 % 14.38 % 13.09 % 12.00 % 12.00 % 13.49% Non-interest expense-to-revenue ratio 88.1 % 84.9 % 93.4 % 84.9 % 78.1 % 84.7 % 82.4 % 77.9 % 74.4 % 86.6 % 81.3 % 85.1 % 77.4% Average common equity 1,330 1,037 832 829 835 788 655 582 568 1,181 811 821 572 Average assets 5,490 4,985 4,946 5,305 5,400 5,714 5,188 4,552 4,119 5,233 5,560 5,340 4,289 Average earning assets 4,025 4,065 4,162 4,412 4,492 4,697 4,423 3,921 3,542 4,045 4,596 4,441 3,760 Average current loans excl. securities purchased under resale agreements 3,113 3,165 3,245 3,461 3,468 3,561 3,441 3,070 2,762 3,140 3,516 3,434 2,924 Securities purchased under resale agreements - - - - - 172 58 - - - 87 43 14 Average deposits 39,605 39,055 39,432 39,832 40,387 39,841 39,308 38,687 38,839 39,326 40,109 39,869 38,331 Total as at risk-weighted assets 4,158 4,382 4,420 4,720 4,583 4,679 4,855 4,025 4,358 4,158 4,583 4,420 4,855 Assets under administration 158,857 130,097 124,471 124,726 123,675 122,207 124,544 115,701 112,201 158,857 123,675 124,471 124,544 Assets under management 82,655 83,632 79,057 79,507 76,459 75,324 75,746 72,784 75,331 82,655 76,459 79,057 75,746 Full-time equivalent employees 5,549 5,167 5,127 4,995 5,041 4,952 4,735 4,608 4,527 5,549 5,041 5,127 4,735 Excluding Non-Recurring Items Net interest income (TEB) 131 132 132 128 132 141 132 137 125 263 273 533 507 Other income 305 254 228 237 260 240 258 243 314 559 500 965 1,059 Total revenues (TEB) 436 386 360 365 392 381 390 380 439 822 773 1,498 1,566 Provision for credit losses 1-1 - 1-1 - - 1 1 2 1 Net interest and other income 435 386 359 365 391 381 389 380 439 821 772 1,496 1,565 Non-interest expense 383 328 336 310 306 323 322 295 327 711 629 1,275 1,212 Income before taxes and goodwill 52 58 23 55 85 58 67 85 112 110 143 221 353 Provision for income taxes (TEB) 22 21 10 29 32 24 28 39 49 43 56 95 153 Net Income before goodwill 30 37 13 26 53 34 39 46 63 67 87 126 200 Amortization of goodwill, net of income tax - - 3 2 3 2 2 2 2-5 10 8 Net Income 30 37 10 24 50 32 37 44 61 67 82 116 192 Cash-based net income 37 46 17 32 57 38 41 48 65 83 95 144 206 Cash-based return on equity 10.8 % 16.8 % 8.0 % 14.5 % 27.6 % 18.8 % 24.1 % 32.1 % 45.2 % 13.5 % 23.3 % 17.2 % 35.3% Non-interest expense-to-revenue ratio 88.1 % 84.9 % 93.4 % 84.9 % 78.1 % 84.7 % 82.4 % 77.9 % 74.4 % 86.6 % 81.3 % 85.1 % 77.4% April 30, 2002 Supplementary Financial Information Page 8

INVESTMENT BANKING GROUP SUMMARY INCOME STATEMENT AND HIGHLIGHTS 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions except as noted) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 As Reported Net interest income (TEB) 369 454 390 418 354 335 313 319 351 823 689 1,497 1,320 Other income 273 267 148 331 414 410 383 314 386 540 824 1,303 1,378 Total revenues (TEB) 642 721 538 749 768 745 696 633 737 1,363 1,513 2,800 2,698 Provision for credit losses 57 57 382 59 61 43 39 39 38 114 104 545 156 Net interest and other income 585 664 156 690 707 702 657 594 699 1,249 1,409 2,255 2,542 Non-interest expense 352 373 342 394 389 394 353 349 385 725 783 1,519 1,422 Income before taxes and goodwill 233 291 (186) 296 318 308 304 245 314 524 626 736 1,120 Provision for income taxes (TEB) 78 106 (92) 105 116 119 122 89 124 184 235 248 429 Net Income before goodwill 155 185 (94) 191 202 189 182 156 190 340 391 488 691 Amortization of goodwill, net of income tax - - 2 2 1 2 2 2 1-3 7 7 Net Income 155 185 (96) 189 201 187 180 154 189 340 388 481 684 Cash-based net income 155 185 (95) 191 203 188 182 156 190 340 391 487 691 Net economic profit 10 35 (232) 56 69 60 49 23 59 45 129 (47) 160 Cash-based return on equity 11.3 % 13.2 % (9.5)% 15.5 % 16.6 % 16.0 % 15.4 % 13.0 % 16.8 % 12.3 % 16.3 % 9.5 % 14.8% Average net interest margin 1.10 % 1.26 % 1.07 % 1.22 % 0.96 % 0.90 % 0.87 % 0.87 % 1.00 % 1.18 % 0.93 % 1.03 % 0.92% Average net interest margin on earning assets 1.45 % 1.72 % 1.43 % 1.52 % 1.20 % 1.13 % 1.07 % 1.05 % 1.18 % 1.59 % 1.17 % 1.31 % 1.10% Non-interest expense-to-revenue ratio 54.9 % 51.7 % 63.6 % 52.6 % 50.7 % 52.9 % 50.8 % 55.2 % 52.1 % 53.2 % 51.8 % 54.3 % 52.7% Average common equity 5,108 5,124 4,612 4,503 4,628 4,298 4,273 4,247 4,195 5,116 4,460 4,509 4,216 Average assets 137,962 143,344 144,102 136,162 151,755 148,567 143,430 146,217 142,568 140,698 150,135 145,092 143,259 Average earning assets 104,516 104,845 108,599 109,084 121,056 117,477 116,872 121,465 121,507 104,683 119,236 113,997 120,309 Average current loans excl. securities purchased under resale agreements 33,490 34,711 36,391 36,103 39,208 39,154 39,003 40,417 40,046 34,110 39,179 37,701 39,843 Securities purchased under resale agreements 17,200 17,740 18,807 19,028 25,825 18,975 17,395 19,066 22,020 17,475 22,344 20,617 20,209 Average deposits 58,287 58,021 61,391 60,991 66,719 70,756 70,048 74,343 73,781 58,152 68,771 64,950 73,810 Total as at risk-weighted assets 60,188 64,652 68,545 68,271 69,550 72,610 75,316 75,348 83,916 60,188 69,550 68,545 75,316 Assets under administration 1,569 1,802 2,207 2,458 3,072 3,762 4,344 4,144 4,178 1,569 3,072 2,207 4,344 Assets under management 19,019 18,694 16,485 14,923 13,508 12,276 11,404 9,147 8,323 19,019 13,508 16,485 11,404 Full-time equivalent employees 2,151 2,168 2,190 2,181 2,130 2,153 2,136 2,146 2,090 2,151 2,130 2,190 2,136 Excluding Non-Recurring Items Net interest income (TEB) 369 454 390 418 354 335 313 319 351 823 689 1,497 1,320 Other income 273 267 326 331 414 410 383 314 386 540 824 1,481 1,378 Total revenues (TEB) 642 721 716 749 768 745 696 633 737 1,363 1,513 2,978 2,698 Provision for credit losses 57 57 382 59 61 43 39 39 38 114 104 545 156 Net interest and other income 585 664 334 690 707 702 657 594 699 1,249 1,409 2,433 2,542 Non-interest expense 352 373 342 394 389 394 353 349 385 725 783 1,519 1,422 Income before taxes and goodwill 233 291 (8) 296 318 308 304 245 314 524 626 914 1,120 Provision for income taxes (TEB) 78 106 (19) 105 116 119 122 89 124 184 235 321 429 Net Income before goodwill 155 185 11 191 202 189 182 156 190 340 391 593 691 Amortization of goodwill, net of income tax - - 2 2 1 2 2 2 1-3 7 7 Net Income 155 185 9 189 201 187 180 154 189 340 388 586 684 Cash-based net income 155 185 10 191 203 188 182 156 190 340 391 592 691 Cash-based return on equity 11.3 % 13.2 % (0.4)% 15.5 % 16.6 % 16.0 % 15.4 % 13.0 % 16.8 % 12.3 % 16.3 % 11.8 % 14.8% Non-interest expense-to-revenue ratio 54.9 % 51.7 % 47.8 % 52.6 % 50.7 % 52.9 % 50.8 % 55.2 % 52.1 % 53.2 % 51.8 % 51.0 % 52.7% April 30, 2002 Supplementary Financial Information Page 9

EMFISYS & CORPORATE SUPPORT SUMMARY INCOME STATEMENT AND HIGHLIGHTS 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 As Reported Net interest income (TEB) (99) (110) (105) (89) (139) (119) (129) (113) (100) (209) (258) (452) (425) Other income 142 76 63 100 416 119 114 114 186 218 535 698 512 Total revenues (TEB) 43 (34) (42) 11 277 - (15) 1 86 9 277 246 87 Provision for credit losses 191 53 83 (7) 92 (3) (41) 2 4 244 89 165 (34) Net interest and other income (148) (87) (125) 18 185 3 26 (1) 82 (235) 188 81 121 Non-interest expense 79 62 92 37 40 20 4 37 38 141 60 189 111 Income before taxes, non-controlling interest in subsidiaries and goodwill (227) (149) (217) (19) 145 (17) 22 (38) 44 (376) 128 (108) 10 Provision for income taxes (TEB) (129) (89) (128) (50) (39) (21) (36) (30) (3) (218) (60) (238) (97) Non-controlling interest in subsidiaries 15 16 14 11 10 7 6 4 5 31 17 42 19 Net Income before goodwill (113) (76) (103) 20 174 (3) 52 (12) 42 (189) 171 88 88 Amortization of goodwill, net of income tax - - 4 4 4 4 5 3 5-8 16 16 Net Income (113) (76) (107) 16 170 (7) 47 (15) 37 (189) 163 72 72 Cash-based net income (112) (77) (101) 18 174-52 (11) 42 (189) 174 91 90 Average common equity (280) (220) 1,407 1,693 1,751 2,073 2,164 2,371 2,107 (250) 1,915 1,731 2,080 Average assets (4,292) (3,295) (2,493) (3,038) (3,782) (3,093) (4,247) (4,782) (4,333) (3,784) (3,435) (3,093) (4,283) Average earning assets (8,115) (7,248) (7,555) (7,571) (8,544) (7,918) (8,854) (8,864) (8,883) (7,674) (8,226) (7,891) (8,700) Average current loans excl. securities purchased under resale agreements (10,101) (9,314) (9,486) (10,259) (11,166) (11,603) (11,689) (11,743) (11,553) (9,701) (11,387) (10,498) (11,508) Securities purchased under resale agreements - - - - - 768 312 (12) (11) - 390 193 71 Average deposits 4,000 4,657 4,737 5,055 4,939 5,050 4,927 5,338 5,065 4,333 4,995 4,945 4,852 Assets under administration 73,651 80,960 85,858 78,680 73,167 73,025 74,240 70,435 72,019 73,651 73,167 85,858 74,240 Full-time equivalent employees 8,599 8,909 9,089 8,468 8,462 8,441 8,282 8,774 8,939 8,599 8,462 9,089 8,282 Excluding Non-Recurring Items Net interest income (TEB) (99) (110) (105) (89) (139) (119) (129) (113) (100) (209) (258) (452) (425) Other income 142 76 63 100 132 82 114 114 112 218 214 377 438 Total revenues (TEB) 43 (34) (42) 11 (7) (37) (15) 1 12 9 (44) (75) 13 Provision for credit losses 191 53 83 (7) (8) (3) 1 2 4 244 (11) 65 8 Net interest and other income (148) (87) (125) 18 1 (34) (16) (1) 8 (235) (33) (140) 5 Non-interest expense 79 62 92 37 40 20 47 37 38 141 60 189 154 Income before taxes, non-controlling interest in subsidiaries and goodwill (227) (149) (217) (19) (39) (54) (63) (38) (30) (376) (93) (329) (149) Provision for income taxes (TEB) (129) (89) (128) (50) (42) (50) (71) (30) (33) (218) (92) (270) (162) Non-controlling interest in subsidiaries 15 16 14 11 10 7 6 4 5 31 17 42 19 Net Income before goodwill (113) (76) (103) 20 (7) (11) 2 (12) (2) (189) (18) (101) (6) Amortization of goodwill, net of income tax - - 4 4 4 4 5 3 5-8 16 16 Net Income (113) (76) (107) 16 (11) (15) (3) (15) (7) (189) (26) (117) (22) Cash-based net income (112) (77) (101) 18 (7) (8) 2 (11) (2) (189) (15) (98) (4) Bancomer/Mexico Group Results (included above) Net interest income (TEB) 1 2 1 2 2 1 2 4 24 3 3 6 64 Other income - - - (1) 285 37-1 - - 322 321 1 Total revenues 1 2 1 1 287 38 2 5 24 3 325 327 65 Non-interest expense - - 1 1 1 1 2 2 2-2 4 7 Income taxes (TEB) - 1 (1) 1 45 4 - - 1 1 49 49 2 Net Income 1 1 1 (1) 241 33-3 21 2 274 274 56 Net book value of equity investment - - - - - 538 658 658 678 - - - 658 Unrealized losses on translation of net investment - - - - - 79 96 96 67 - - - 96 Cost base - - - - - 617 754 754 745 - - - 754 April 30, 2002 Supplementary Financial Information Page 10

HARRIS BANK (LEGAL ENTITY) SUMMARY INCOME STATEMENT AND HIGHLIGHTS 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 (U.S. GAAP/$U.S.) Net interest income (TEB) 211 212 204 194 184 178 175 173 173 423 362 760 694 Other income 125 110 120 108 113 163 108 110 156 235 276 504 489 Total revenues (TEB) 336 322 324 302 297 341 283 283 329 658 638 1,264 1,183 Provision for credit losses 33 25 153 26 16 13 8 7 7 58 29 208 27 Net interest and other income 303 297 171 276 281 328 275 276 322 600 609 1,056 1,156 Non-interest expense 204 205 203 182 184 180 177 182 184 409 364 749 738 Income before taxes, non-controlling interest in subsidiaries and goodwill 99 92 (32) 94 97 148 98 94 138 191 245 307 418 Provision for income taxes (TEB) 33 31 (13) 32 32 52 34 34 50 64 84 103 147 Net Income before goodwill 66 61 (19) 62 65 96 64 60 88 127 161 204 271 Amortization of goodwill, net of income tax - 1 1-1 1 1-1 1 2 3 3 Net Income 66 60 (20) 62 64 95 63 60 87 126 159 201 268 Net Income consists of: Personal & Commercial Client Group 30 24 20 20 15 18 18 17 14 54 33 73 64 Private Client Group 5 8 7 6 7 3 5 6 5 13 10 23 22 Investment Banking Group 42 39 (31) 35 43 40 40 37 37 81 83 87 148 Emfisys & Corporate Support (11) (11) (16) 1 (1) 34 - - 31 (22) 33 18 34 Average assets 27,911 28,746 28,906 28,390 28,456 28,947 28,374 28,104 27,398 28,333 28,704 28,677 27,705 Average Assets consists of: Personal & Commercial Client Group 11,660 11,133 10,698 9,470 9,158 8,933 8,554 8,365 8,153 11,394 9,044 9,567 8,303 Private Client Group 1,525 1,558 1,577 1,650 1,516 1,460 1,357 1,303 1,283 1,542 1,488 1,551 1,300 Investment Banking Group 13,087 13,627 14,234 14,986 15,568 16,460 16,348 16,178 15,764 13,360 16,019 15,311 15,882 Emfisys & Corporate Support 1,639 2,428 2,397 2,284 2,214 2,094 2,115 2,258 2,198 2,037 2,153 2,248 2,220 (CANADIAN GAAP/$CDN.) Net interest income (TEB) 337 339 324 300 288 274 264 262 255 676 562 1,186 1,034 Other income 200 169 189 162 174 243 161 159 227 369 417 768 711 Total revenues (TEB) 537 508 513 462 462 517 425 421 482 1,045 979 1,954 1,745 Provision for credit losses 52 39 240 36 37 14 8 9 10 91 51 327 40 Net interest and other income 485 469 273 426 425 503 417 412 472 954 928 1,627 1,705 Non-interest expense 317 314 315 270 277 265 257 261 259 631 542 1,127 1,050 Income before taxes, non-controlling interest in subsidiaries and goodwill 168 155 (42) 156 148 238 160 151 213 323 386 500 655 Provision for income taxes (TEB) 56 52 (14) 55 50 87 57 55 79 108 137 178 236 Non-controlling interest in subsidiaries 5 4 4 5 4 4 4 4 4 9 8 17 16 Net Income before goodwill 107 99 (32) 96 94 147 99 92 130 206 241 305 403 Amortization of goodwill, net of income tax - - 4 5 5 4 5 4 5-9 18 18 Net Income 107 99 (36) 91 89 143 94 88 125 206 232 287 385 Net Income consists of: Personal & Commercial Client Group 47 38 28 25 20 23 23 19 17 85 43 96 77 Private Client Group 11 14 11 9 10 5 7 10 7 25 15 35 32 Investment Banking Group 69 51 (65) 52 48 52 45 45 43 120 100 87 172 Emfisys & Corporate Support (20) (4) (10) 5 11 63 19 14 58 (24) 74 69 104 Average loans 25,295 25,181 24,784 23,787 23,860 23,735 22,950 22,355 21,409 25,237 23,796 24,043 21,908 Average assets 44,066 45,310 45,417 43,165 43,867 43,568 42,479 41,567 39,889 44,698 43,715 44,005 40,732 Average assets consists of: Personal & Commercial Client Group 18,585 18,143 16,910 14,562 14,302 13,632 12,974 12,604 12,047 18,360 13,962 14,856 12,402 Private Client Group 2,377 2,373 2,187 2,460 2,282 2,150 1,992 1,938 1,871 2,375 2,215 2,270 1,906 Investment Banking Group 19,697 20,280 20,724 21,410 22,331 23,004 22,680 22,196 21,132 19,993 22,673 21,864 21,575 Emfisys & Corporate Support 3,407 4,514 5,596 4,733 4,952 4,782 4,833 4,829 4,839 3,970 4,865 5,015 4,849 Net book value 3,661 3,605 3,575 3,612 3,367 3,262 3,270 3,233 3,195 3,661 3,367 3,575 3,270 April 30, 2002 Supplementary Financial Information Page 11

OTHER INCOME AND TRADING REVENUE 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions except as noted) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 Other Income Deposit & payment service charges 178 175 175 170 164 161 161 162 159 353 325 670 646 Lending fees 77 75 88 85 96 83 85 85 72 152 179 352 322 Capital markets fees Securities commissions and fees 225 183 165 179 210 188 199 192 273 408 398 742 859 Underwriting fees 67 30 70 64 60 40 68 45 68 97 100 234 210 Total capital markets fees 292 213 235 243 270 228 267 237 341 505 498 976 1,069 Card services 64 64 50 59 44 51 57 59 47 128 95 204 216 Investment management & custodial fees 76 81 87 85 82 82 77 92 100 157 164 336 373 Mutual fund revenues 80 71 70 61 61 59 61 62 57 151 120 251 232 Trading revenues 28 46 75 91 158 166 121 50 140 74 324 490 388 Securitization revenues 124 58 71 78 97 85 109 83 81 182 182 331 343 Other fees and commissions Revenues from insurance related activities 24 26 29 45 24 27 25 24 24 50 51 125 96 Gain/(loss) on disposal of premises and equipment 2 4 (10) (5) 6 (2) (7) (2) (1) 6 4 (11) (9) Foreign exchange revenue other than trading 35 34 28 32 31 36 35 37 38 69 67 127 146 Investment securities gains/losses (50) 10 (223) 2 290 54 28 41 (1) (40) 344 123 183 Gain on sale of discontinued businesses - - - - 5 7 7 19 88-12 12 114 Other 92 60 75 57 65 39 53 56 55 152 104 236 207 Total other fees and commissions 103 134 (101) 131 421 161 141 175 203 237 582 612 737 Total Other Income 1,022 917 750 1,003 1,393 1,076 1,079 1,005 1,200 1,939 2,469 4,222 4,326 Other income to total revenue 46.0 % 41.6 % 38.4 % 44.9 % 56.1 % 49.1 % 49.9 % 48.0 % 52.5 % 43.8 % 52.8 % 47.6 % 49.9 % Interest and Non-Interest Trading Revenue Interest rates 25 39 55 49 82 55 35 50 59 64 137 241 178 Foreign exchange 7 22 26 28 39 33 32 26 26 29 72 126 112 Equities 15 18 25 20 30 43 39 28 71 33 73 118 165 Other 20 27 25 27 28 40 13 (27) 2 47 68 120 (2) Total 67 106 131 124 179 171 119 77 158 173 350 605 453 Reported as: Net interest income 39 60 56 33 21 5 (2) 27 18 99 26 115 65 Other income - Trading revenues 28 46 75 91 158 166 121 50 140 74 324 490 388 Total 67 106 131 124 179 171 119 77 158 173 350 605 453 Trading revenues include interest earned on trading securities and other cash instruments held in trading portfolios, less funding costs associated with trading-related derivatives and cash instruments, and realized and unrealized gains and losses on trading securities, other cash instruments, derivatives and foreign exchange activities. Interest Rates includes Canadian Government Securities, Corporate debt Instruments and Interest Rate derivatives. Foreign Exchange includes Foreign Exchange Spot and foreign exchange derivative contracts. Equities includes Institutional Equities, Equity Derivatives and Proprietary Trading. Other includes commodities, managed futures, credit investment management, Harris Trading and Global Distribution loan trading and sales. April 30, 2002 Supplementary Financial Information Page 12

NON-INTEREST EXPENSES 2002 2002 2001 2001 2001 2001 2000 2000 2000 YTD YTD Fiscal Fiscal ($ millions) Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 2002 2001 2001 2000 Non-Interest Expenses Salaries 731 744 683 735 730 709 712 698 735 1,475 1,439 2,857 2,800 Employee benefits 117 106 77 87 97 94 50 66 70 223 191 355 265 Total salaries and employee benefits 848 850 760 822 827 803 762 764 805 1,698 1,630 3,212 3,065 Premises and equipment Rental of real estate 41 35 35 36 32 31 34 35 33 76 63 134 130 Premises, furniture and fixtures 71 70 75 75 70 69 70 66 67 141 139 289 272 Property taxes 15 9 18 12 10 12 13 12 14 24 22 52 47 Computer and equipment 167 177 191 165 162 160 155 157 158 344 322 678 622 Total premises and equipment 294 291 319 288 274 272 272 270 272 585 546 1,153 1,071 Communications 48 48 46 46 49 53 64 66 64 96 102 194 259 Other Business and capital taxes 24 24 28 26 24 25 23 28 30 48 49 103 110 Professional fees 75 60 90 61 64 73 115 81 75 135 137 288 335 Travel and business development 56 57 72 59 56 61 78 60 46 113 117 248 236 Other (1) 116 117 122 108 100 100 52 51 50 233 200 430 202 Total other 271 258 312 254 244 259 268 220 201 529 503 1,069 883 Non-interest expense before amortization of intangibles and other charges 1,461 1,447 1,437 1,410 1,394 1,387 1,366 1,320 1,342 2,908 2,781 5,628 5,278 Amortization of intangible assets 15 15 12 11 10 10 7 6 6 30 20 43 23 Total non-interest expense before restructuring 1,476 1,462 1,449 1,421 1,404 1,397 1,373 1,326 1,348 2,938 2,801 5,671 5,301 Restructuring charge (reversal) - - - - - - (43) - - - - - (43) Total Non-Interest Expenses 1,476 1,462 1,449 1,421 1,404 1,397 1,330 1,326 1,348 2,938 2,801 5,671 5,258 (1) Processing fees paid to Symcor are included in Other, effective in the first quarter of 2001. April 30, 2002 Supplementary Financial Information Page 13