FINANCIAL HIGHLIGHTS (1)
	(C$ millions, except per share, number and percentage amounts)			Change 2003/2002			2003			2002			2001			2000			1999
	EARNINGS
		Net interest income		(4	) %	$	6,648		$	6,928		$	6,291		$	5,195		$	5,070
		Non-interest income		2			10,299			10,132			9,514			7,536			6,070
		Total revenues		(1	)		16,947			17,060			15,805			12,731			11,140
		Provision for credit losses		(33	)		715			1,065			1,119			691			760
		Insurance policyholder benefits,    claims and acquisition expense		6			1,404			1,330			1,153			772			532
		Non-interest expense		–			10,236			10,244			9,641			7,628			7,141
		Net income		5			3,036			2,898			2,435			2,208			1,725
		Return on common equity (ROE) (2)		40	bp		17.0%			16.6%			16.6%			19.3%			15.3%
	BALANCE SHEET DATA
		Loans (before allowance for loan losses)		1	%	$	172,547		$	171,523		$	171,177		$	156,184		$	144,793
		Assets		8			412,591			382,000			362,562			294,173			273,406
		Deposits		6			260,518			245,040			235,687			206,237			187,897
		Subordinated debentures		(5	)		6,581			6,960			6,861			5,825			4,596
		Common equity		–			17,304			17,240			16,215			11,296			10,435
	CAPITAL RATIOS (CANADIAN BASIS) (3)
		Tier 1 capital		40	bp		9.7%			9.3%			8.7%			8.6%			8.1%
		Total capital		10			12.8			12.7			11.8			12.0			11.2
		Common equity to risk-adjusted assets		10			10.5			10.4			9.4			7.3			7.1
	CAPITAL RATIOS (U.S. BASIS) (4)
		Tier 1 capital		20			8.7			8.5			8.1			7.8			7.6
		Total capital		10			12.0			11.9			11.2			11.3			10.7
		Common equity to risk-adjusted assets		(20	)		10.3			10.5			9.5			7.2			7.0
	COMMON SHARE INFORMATION
		Shares outstanding (in thousands)
			End of year	(1	) %		656,021			665,257			674,021			602,398			617,768
			Average basic	(2	)		662,080			672,571			641,516			606,389			626,158
			Average diluted	(1	)		669,625			679,153			647,216			609,865			632,305
		Earnings per share
			Basic	8		$	4.48		$	4.16		$	3.58		$	3.42		$	2.50
			Diluted	8			4.43			4.12			3.55			3.40			2.48
		Share price
			High (5)	10			65.00			58.89			53.25			48.88			42.13
			Low (5)	18			53.26			45.05			41.60			27.25			29.65
			Close	17			63.48			54.41			46.80			48.30			31.73
		Dividends per share		13			1.72			1.52			1.38			1.14			0.94
		Book value per share – year-end		2			26.38			25.91			24.06			18.75			16.89
		Market capitalization (C$ billions)		15			41.6			36.2			31.5			29.1			19.6
	NUMBER OF:
		Employees (full-time equivalent)		1,263			60,812			59,549			57,568			49,232			51,891
		Automated banking machines		(85	)		4,401			4,486			4,545			4,517			4,585
		Service delivery units
			Canada	(14	)		1,297			1,311			1,317			1,333			1,410
			International	(19	)		788			807			724			306			99
	(1)		Financial information is derived from U.S. GAAP consolidated financial statements, unless otherwise noted. Select definitions are available in the Glossary on pages 109 and 110.
	(2)		Return on equity is defined in the Glossary on page 110.
	(3)		Using guidelines issued by the Superintendent of Financial Institutions Canada and Canadian GAAP financial information.
	(4)		Using guidelines issued by the Board of Governors of the Federal Reserve System in the U.S. and U.S. GAAP financial information.
	(5)		Intraday high and low share prices.