Final Fa Project

Interim Balance Sheet In Millions of U.S. Dollars 2008 2008 (except for per share items) 9/30/2008 6/30/2008 Total Current Assets --Cash & Due from Banks 54,350.00 32,255.00 Other Earning Assets, Total ### 987,461.00 Net Loans 742,329.00 524,783.00 Property/Plant/Equipment, Total - Gross --Accumulated Depreciation, Total --Property/Plant/Equipment, Total - Net 9,962.00 10,333.00 Goodwill, Net 46,121.00 45,993.00 Intangibles, Net 22,528.00 17,276.00 Long Term Investments --Other Long Term Assets, Total --Other Assets, Total 285,053.00 157,569.00 Total Assets ### ### Accounts Payable 182,615.00 96,002.00 Payable/Accrued --Accrued Expenses 11,896.00 16,046.00 Total Deposits 969,783.00 722,905.00 Other Bearing Liabilities, Total --Total Short Term Borrowings 446,382.00 267,469.00 Current Port. of LT Debt/Capital Leases --Other Current liabilities, Total --Total Current Liabilities --Long Term Debt 266,869.00 297,526.00 Capital Lease Obligations --Total Long Term Debt 266,869.00 297,526.00 Total Debt 713,251.00 564,995.00 Deferred Income Tax --Minority Interest --Other Liabilities, Total 228,081.00 242,546.00 Total Liabilities ### ### Redeemable Preferred Stock, Total --Preferred Stock - Non Redeemable, Net 8,152.00 6,000.00 Common Stock, Total 3,942.00 3,658.00 Additional Paid-In Capital 90,535.00 78,870.00 Retained Earnings (Accumulated Deficit) 55,217.00 56,313.00 Treasury Stock - Common -9,509.00 -9,830.00 ESOP Debt Guarantee --Unrealized Gain (Loss) --Other Equity, Total -2,494.00 -1,835.00 Total Equity ### ###

Total Liabilities & Shareholders' Equity ### ### Shares Outs - Common Stock Primary Issue3,726.95 3,435.75 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 Total Preferred Shares Outstanding 2.54 --

2008 2007 2007 3/31/2008 ### 9/30/2007 ---46,888.00 40,144.00 32,766.00 883,531.00 843,406.00 805,346.00 525,310.00 510,140.00 478,207.00 ------9,457.00 9,319.00 8,892.00 45,695.00 45,270.00 45,335.00 14,374.00 14,731.00 15,500.00 ------117,607.00 99,137.00 93,529.00 ### ### ### ---106,088.00 94,476.00 86,524.00 ---761,626.00 740,728.00 678,091.00 ---271,665.00 232,829.00 243,899.00 ---------219,891.00 213,026.00 201,909.00 ---219,891.00 213,026.00 201,909.00 491,556.00 445,855.00 445,808.00 ------157,965.00 157,867.00 149,174.00 ### ### ### ---0 0 0 3,658.00 3,658.00 3,658.00 78,072.00 78,597.00 78,295.00 55,762.00 54,715.00 53,064.00 -11,353.00 -12,832.00 -13,209.00 -------512 -917 -1,830.00 ### ### ###

### 3,400.84 ----

### 3,367.38 ----

3,400.84 --

### 3,358.81 ----

3,367.38 --

3,358.81 --

Interim Income Statement In Millions of U.S. Dollars (except for per share items) Interest Income, Bank Total Interest Expense Net Interest Income Loan Loss Provision Net Interest Inc. After Loan Loss Prov. Non-Interest Income, Bank Non-Interest Expense, Bank Net Income Before Taxes Provision for Income Taxes Net Income After Taxes Minority Interest Equity In Affiliates U.S. GAAP Adjustment Net Income Before Extra. Items Accounting Change Discontinued Operations Extraordinary Item Tax on Extraordinary Items Net Income Preferred Dividends General Partners' Distributions Miscellaneous Earnings Adjustment Pro Forma Adjustment Interest Available Adjustment - Primary Income to Com Excl EPS ExtraOrd Income Available to Com Incl ExtraOrd Basic Weighted Average Shares EPS Excluding Extraordinary Items Basic EPS Including Extraordinary Items Dilution Adjustment Diluted Average Shares Diluted Weighted EPS Excluding ExtraOrd Items Diluted EPS Including ExtraOrd Items DPS - Common Stock Primary Issue Gross Dividends - Common Stock Total Special Items Normalized Income Before Taxes Effect of Special Items on Income Taxes Inc Tax Ex Impact of Sp Items

2008 2008 2008 9/30/200 6/30/200 3/31/200 8 8 8 17,326.00 16,529.00 17,532.00 8,332.00 8,235.00 9,873.00 8,994.00 8,294.00 7,659.00 5,787.00 3,455.00 4,424.00 3,207.00 4,839.00 3,235.00 5,743.00- 10,105.00- 9,231.00 11,137.00 12,177.00 -8,931.00 -2,187.00 2,767.00 3,535.00 -2,133.00 764 1,162.00 -54 2,003.00 2,373.00 ----------54 2,003.00 2,373.00 ------581 -----527 2,003.00 2,373.00 -161 -90 0 -------------215 1,913.00 2,373.00 366 1,913.00 2,373.00 3,444.60 3,426.20 3,396.00 -0.06 0.56 0.7 0.11 0.56 0.7 0 0 0 3,444.60 3,531.00 3,494.70 -0.06 0.54 0.68 0.11 0.54 0.68 0.38 0.38 0.38 1,462.00 1,362.00 1,326.00 96 155 0 -2,091.00 2,922.00 3,535.00 34 43 0 -2,099.00 807 1,162.00

Normalized Income After Taxes Normalized Inc. Avail to Com. Basic Normalized EPS Diluted Normalized EPS

8 2,115.00 2,373.00 -153 2,025.00 2,373.00 -0.04 0.59 0.7 -0.04 0.57 0.68

2007 2007 12/31/20 9/30/200 07 7 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 0.88 1 0.88 1 --3,471.80 3,477.70 0.86 0.97 0.86 0.97 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 0.89 1.01 0.86 0.98

Interim Cash Flow Statement In Millions of U.S. Dollars (except for per share items)

2008 2008 2008 9/30/200 6/30/200 3/31/200 8 8 8

Net Income/Starting Line Depreciation/Depletion Amortization Deferred Taxes Non-Cash Items Changes in Working Capital Cash from Operating Activities Capital Expenditures Other Investing Cash Flow Items, Total Cash from Investing Activities Financing Cash Flow Items Total Cash Dividends Paid Issuance (Retirement) of Stock, Net Issuance (Retirement) of Debt, Net Cash from Financing Activities Foreign Exchange Effects Net Change in Cash

4,903.00 4,376.00 2,373.00 2,313.00 1,503.00 607 937 632 316 -2,974.00 -1,139.00 -409 2,991.00 1,219.00 -1,591.00 24,235.00 32,405.0 17,382.00 23,973.0 -3,719.0000 2,423.00 --219,529.0- -- -0 54,082.00 219,529. 54,082.0 68,493.00 68,493.0 00 0 0 130,348.0 0 20,312.00 77,389.00 -4,027.00 -2,663.00 -1,319.00 19,555.00 6,117.00 -156 55,809.00 -1,812.00 1,375.00 201,685. 21,954.0 77,289.0 00 0 0 -355 266 371 14,206.00 -7,889.00 6,744.00

2007 2007 12/31/20 9/30/200 07 7 15,365.00 12,394.00 2,427.00 1,705.00 1,394.00 1,055.00 1,307.00-518 -8,715.00772122,338.0 0 96,721.00 110,560. 81,313.0 00 0 -- -73,118.00 73,118.0 41,321.00 41,321.0 0 0 107,605.0 0 60,004.00 -5,051.00 -3,735.00 -6,711.00 -6,492.00 87,143.00 182,986. 64,904.00 114,681. 00 00 424 307 -268 -7,646.00

Annual Balance Sheet In Millions of U.S. Dollars 2007 2006 12/31/200 12/31/200 (except for per share items) 7 6 Total Current Assets --Cash & Due from Banks 40,144.00 40,412.00 Other Earning Assets, Total 843,406.00 691,831.00 Net Loans 510,140.00 475,848.00 Property/Plant/Equipment, Total Gross --Accumulated Depreciation, Total --Property/Plant/Equipment, Total - Net 9,319.00 8,735.00 Goodwill, Net 45,270.00 45,186.00 Intangibles, Net 14,731.00 14,852.00 Long Term Investments --Other Long Term Assets, Total --Other Assets, Total 99,137.00 1,351,520 74,656.00 1,562,150 Total Assets .00 .00 Accounts Payable --Payable/Accrued 94,476.00 88,096.00 Accrued Expenses --Total Deposits 740,728.00 638,788.00 Other Bearing Liabilities, Total --Total Short Term Borrowings 232,829.00 199,075.00 Current Port. of LT Debt/Capital Leases --Other Current liabilities, Total --Total Current Liabilities --Long Term Debt 213,026.00 161,814.00 Capital Lease Obligations --Total Long Term Debt 213,026.00 161,814.00 Total Debt 445,855.00 360,889.00 Deferred Income Tax --Minority Interest --Other Liabilities, Total 157,867.00 1,438,930 147,957.00 1,235,730 Total Liabilities .00 .00 Redeemable Preferred Stock, Total --Preferred Stock - Non Redeemable, Net 0 0 Common Stock, Total 3,658.00 3,658.00 Additional Paid-In Capital 78,597.00 77,807.00 Retained Earnings (Accumulated Deficit) 54,715.00 43,600.00 Treasury Stock - Common -12,832.00 -7,718.00 ESOP Debt Guarantee --Unrealized Gain (Loss) --Other Equity, Total -917 115,790.0 -1,557.00 123,221.0 Total Equity 0 0

Total Liabilities & Shareholders' Equity Outs - Common Stock Primary Shares Issue Shares Outstanding - Common Issue 2 Shares Outstanding - Common Issue 3 Shares Outstanding - Common Issue 4 Total Common Shares Outstanding Total Preferred Shares Outstanding

1,562,150 1,351,520 .00 .00 3,367.38 3,461.68 ------3,367.38 3,461.68 ---

2005 2004 2003 12/31/200 12/31/200 12/31/20 5 4 03 ---36,670.00 35,168.00 449,242.0 20,268.00 582,597.00 561,523.00 210,243.0 0 412,058.00 394,794.00 0 ------9,081.00 9,145.00 6,487.00 43,621.00 43,203.00 8,511.00 14,559.00 14,684.00 6,480.00 ------100,356.00 98,731.00 69,681.00 1,198,940 1,157,250 770,912. .00 .00 00 ---78,460.00 75,722.00 45,066.00 ---326,492.0 554,991.00 521,456.00 0 ---136,675.0 150,267.00 149,431.00 0 ---------162,083.00 153,779.00 67,077.00 ---162,083.00 153,779.00 67,077.00 203,752.0 312,350.00 303,210.00 0 ------149,448.0 145,930.00 0 1,091,730 151,207.00 1,051,600 724,758. .00 .00 00 ---139 339 1,009.00 3,618.00 3,585.00 2,044.00 74,994.00 72,801.00 13,512.00 33,848.00 30,209.00 29,681.00 -4,762.00 -1,073.00 -62 -------626 105,653.0 -208 46,154.0 -30 107,211.0 0 0 0

1,198,940 1,157,250 770,912. .00 .00 00 3,486.69 3,556.19 2,042.62 ---------3,486.69 3,556.19 2,042.62 ----

Annual Income Statement In Millions of U.S. Dollars (except for per share items) Interest Income, Bank Total Interest Expense Net Interest Income Loan Loss Provision Net Interest Inc. After Loan Loss Prov. Non-Interest Income, Bank Non-Interest Expense, Bank Net Income Before Taxes Provision for Income Taxes Net Income After Taxes Minority Interest Equity In Affiliates U.S. GAAP Adjustment Net Income Before Extra. Items Accounting Change Discontinued Operations Extraordinary Item Tax on Extraordinary Items Net Income Preferred Dividends General Partners' Distributions Miscellaneous Earnings Adjustment Pro Forma Adjustment Interest Available Adjustment - Primary Income to Com Excl EPS ExtraOrd Income Available to Com Incl ExtraOrd Average Shares Basic Weighted EPS Excluding Extraordinary Items Basic EPS Including Extraordinary Items Dilution Adjustment Average Shares Diluted Weighted EPS Excluding ExtraOrd Items Diluted EPS Including ExtraOrd Items DPS - Common Stock Primary Issue Gross Dividends - Common Stock Total Special Items Normalized Income Before Taxes Effect of Special Items on Income Taxes Inc Tax Ex Impact of Sp Items

2007 2006 2005 12/31/20 12/31/20 12/31/20 07 06 05 71,387.00 59,107.00 45,075.00 44,981.00 37,865.00 25,520.00 26,406.00 21,242.00 19,555.00 6,864.00 3,270.00 3,483.00 19,542.00 17,972.00 16,072.00 44,966.00- 40,757.00- 34,693.0041,703.00 38,843.00 38,926.00 22,805.00 19,886.00 11,839.00 7,440.00 6,237.00 3,585.00 15,365.00 13,649.00 8,254.00 ---------15,365.00 13,649.00 8,254.00 ---0 795 229 ------15,365.00 14,444.00 8,483.00 0 -4 -13 ------------15,365.00 13,645.00 8,241.00 15,365.00 14,440.00 8,470.00 3,404.00 3,470.00 3,492.00 4.51 3.93 2.36 4.51 4.16 2.43 0 0 0 3,508.00 3,574.00 3,557.00 4.38 3.82 2.32 4.38 4.04 2.38 1.48 1.36 1.36 5,165.00 4,860.00 4,831.00 209 305 722 23,014.00 20,191.00 12,561.00 68 96 219 7,508.00 6,333.00 3,804.00

Normalized Income After Taxes Normalized Inc. Avail to Com. Basic Normalized EPS Diluted Normalized EPS

15,506.00 13,858.00 8,757.00 15,506.00 13,854.00 8,744.00 4.56 3.99 2.5 4.42 3.88 2.46

2004 2003 12/31/20 12/31/20 04 03 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- 20,419.0033,972.00 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 1.51 3.32 1.59 3.32 -0 2,851.00 2,055.10 1.48 3.25 1.55 3.25 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 1.87 3.35 1.82 3.28

Annual Cash Flow Statement In Millions of U.S. Dollars (except for per share items)

2007 2006 2005 12/31/20 12/31/20 12/31/20 07 06 05

Net Income/Starting Line Depreciation/Depletion Amortization Deferred Taxes Non-Cash Items Changes in Working Capital Cash from Operating Activities Capital Expenditures Other Investing Cash Flow Items, Total Cash from Investing Activities Financing Cash Flow Items Total Cash Dividends Paid Issuance (Retirement) of Stock, Net Issuance (Retirement) of Debt, Net Cash from Financing Activities Foreign Exchange Effects Net Change in Cash

15,365.00 14,444.00 8,483.00 2,427.00 2,149.00 2,828.00 1,394.00 1,428.00 1,490.00 1,307.00- -1,810.00 -1,791.00 578- -3,771.00- -5,941.00131,631.0 0 62,019.00 110,560. 49,579.0 35,305.00 30,236.0 00 0 0 -- -- -73,118.00 73,118.0 99,627.00 99,627.0 12,944.00 12,944.0 0 124,902.0 0 0 107,605.0 0 0 33,421.00 -5,051.00 -4,846.00 -4,878.00 -6,711.00 -2,418.00 -2,930.00 87,143.00 182,986. 35,111.00 152,749. 19,456.00 45,069.0 00 00 0 424 199 -387 -268 3,742.00 1,502.00

2004 2003 12/31/20 12/31/20 04 03 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 15,147.0 14,275.0 0 0 -- -29,734.00 29,734.0 12,744.00 12,744.0 0 059,121.00 34,033.00 -3,927.00 -2,865.00 -560 1,213.004,962.00 9,434.00 59,596.0 26,251.0 0 0 185 282 14,900.00 1,050.00

Growth Rates Growth Rates % Sales (Qtr vs year ago qtr) Net vsyear YTD)ago Net Income Income (YTD (Qtr vs qtr) Sales (5-Year Annual Avg.) Net Income (5-Yr Annual Avg.) Dividends (5-Yr Annual Avg.)

Compa Indust S&P ny ry 500 -7.9 -3.8 13.2 -67.2 -25.2 19.1 -106.4 -78.9 6.8 22.45 13.73 13.4 56.98 19.2 18.96 1.71 8.7 12.2

Price Ratios Price Ratios Current P/E Ratio P/E Ratio 5-Year High P/E Ratio 5-Year Low Price/Sales Ratio Price/Book Value Price/Cash Flow Ratio

Compa Indust S&P ny ry 500 13 7.8 14.2 NA 0.8 11.1 NA 0.2 2.4 1.45 2.54 1.39 0.71 1.26 2.62 8.6 10.3 8.7

Profit Margins Profit Margins % Gross Margin Pre-Tax Margin Net Profit Margin 5Yr Gross Margin (5-Yr Avg.) PreTax Margin (5-Yr Avg.) 5Yr Net Profit Margin (5-Yr Avg.)

Compa Indust ny ry NA 0 12.2 2 10.8 3.4 NA 0 26.7 29.4 18.3 21

S&P 500 38 15.4 10.9 37 17 11.8

Financial Position Financial Position Debt/Equity Ratio Current Ratio Quick Ratio Interest Coverage Leverage Ratio Book Value/Share

Compa Indust S&P ny ry 500 4.89 4.39 1.17 NA NA 1.2 NA NA 1 NA 0 58.9 15.4 19.4 3.8 39.13 25.92 20.78

Returns Ratio Investment Returns % Return On Equity Return On Assets Return On Capital Equity (5-Year Avg.) On Assets (5-Year Return Avg.) Return On Capital (5-Year Avg.)

Compa Indust ny ry 5.5 4 0.4 0.4 NA 0 10.6 15.7 0.9 1 NA 0

S&P 500 22 9.1 12.4 21 8 10.7

Management Efficiency Management Efficiency Income/Employee Revenue/Employee Receivable Turnover Inventory Turnover Asset Turnover

Compa Indust S&P ny ry 500 86554 58180 128983 402051 291965 1 Mil NA 0 14.4 NA NA 10.8 NA 0 1

Income Statement - 10 Year Summary (in Millions) Sale Total Net Dec-07 Dec-06 Dec-05 Dec-04 Dec-03 Dec-02 Dec-01 Dec-00 Dec-99 Dec-98

s 0 0 0 0 0 0 0 0 0 0

EBIT Depreciation 22,805.0 0 3,821.00 19,886.0 0 3,577.00 11,839.0 0 4,318.00 5,856.00 3,835.00 10,028.0 0 3,101.00 2,519.00 2,979.00 2,566.00 2,891.00 8,733.00 2,545.00 11,489.0 0 1,945.00 7,347.00 1,915.00

Income 15,365.00 13,649.00 8,254.00 4,260.00 6,719.00 1,663.00 1,719.00 5,727.00 7,501.00 4,745.00

EPS 4.38 3.82 2.32 1.48 3.24 0.8 0.82 2.86 3.69 2.27

Tax Rate (%) 32.62 31.36 30.28 27.25 33 33.98 33.01 34.42 34.71 35.42

Balance Sheet - 10 Year Summary (in Millions) Current Current Dec-07 Dec-06 Dec-05 Dec-04 Dec-03 Dec-02 Dec-01 Dec-00 Dec-99 Dec-98

Assets 1,562,147.00 1,351,520.00 1,198,942.00 1,157,248.00 770,912.00 758,800.00 693,575.00 715,348.00 667,003.00 626,942.00

Liabilities 1,438,926.00 1,235,730.00 1,091,731.00 1,051,595.00 724,758.00 716,494.00 652,476.00 673,010.00 631,947.00 591,843.00

Long Term Debt 213,026.00 161,814.00 162,083.00 153,779.00 67,077.00 45,190.00 43,622.00 47,238.00 45,540.00 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 Current FY Estimate Trailing 12 Months PEG Ratio  Price Ratios Price/Book Price/Cash Flow Price/Sales  Current Ratio 09/30/08 06/30/08 03/31/08  Net Margin 09/30/08 06/30/08 03/31/08  Inventory Turnover 09/30/08 06/30/08 03/31/08

 EPS Growth

15.84 vs. Previous Year 11.71 vs. Previous Quarter 2.11

-87.63 -78.95

 ROE

0.65 09/30/08 4.57 06/30/08 1.45 03/31/08

6.26 8.73 10.61

 Quick Ratio

1.01 09/30/08 1.02 06/30/08 1.04 03/31/08

1.01 1.02 1.04

 Pre-Tax Margin

12.22 09/30/08 22.42 06/30/08 27.43 03/31/08

12.22 22.42 27.43

 Debt-to-Equity

- 09/30/08 - 06/30/08 - 03/31/08

2.95 2.22 1.74

 Sales Growth vs. Previous Year vs. Previous Quarter

-8.53 -19.9

 ROA 09/30/08 06/30/08 03/31/08

0.44 0.67 0.84

 Operating Margin 09/30/08 06/30/08 03/31/08

11.93 15.74 18.69

 Book Value 09/30/08 06/30/08 03/31/08

40.06 37.11 36.99

 Debt-to-Capital 09/30/08 06/30/08 03/31/08

74.37 69.26 65.05