U.S. Banking Activity Abroad

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Off-Balance-Sheet Contracts as of June 30, 1999($ in millions) part 1 of 3

Standby Rank Commercial Letters of For. Off. Letters of Credit Loans Credit Non U.S.

1 Bank of America Corp., Charlotte, N $4,159 $5,642

2 Bank of New York Co. Inc. 1,744 1,064

3 Bank One Corp., Chicago 1,233 742

4 Chase Manhattan Corp., New York 4,351 10,741

5 Citigroup Inc., New York 5,483 20,441

6 Deutsche Bank USA, New York 523 971

7 First Union Corp., Charlotte, N.C. 1,924 944

8 Fleet Boston Corp. 2,441 1,358

9 J.P. Morgan & Co. Inc., New York 0 2,578 10 PNC Bank Corp., Pittsburgh 183 7 11 State Street Corp., Boston 293 352 12 Wells Fargo & Co., San Francisco 807 19

Totals and averages $24,869 $46,665 part 2 of 3

U.S. Banking Activity Abroad

Off-Balance-Sheet Contracts as of June 30, 1999($ in millions)

Gold & Other Rank Spot ForeiForeign ExcInterest RatPrecious Other For. Off Exchange DerivativesDerivatives DerivatiCommodities Loans Contracts Notional VaNotional ValNotionalNotional Value

1 $51,099 $27,584 $1,061,930 - $11,221

2 8,097 406 79,330 - 0

3 9,775 116,982 614,158 80 1,047

4 144,928 1,394,603 6,677,343 20,979 21,402

5 148,591 1,467,433 3,138,285 7,962 15,129

6 17,855 614,661 1,013,662 1,161 8,487

7 1,306 6,031 139,136 - 35

8 7,718 110,443 127,833 201 0

9 61,834 842,332 3,192,403 20,022 12,341 10 630 1,919 38,288 - 0 11 4,407 101,481 1,494 - 0 12 665 3,021 124,964 - 131 total $465,763 $4,730,752 $16,329,515 $50,405 $69,817 part 3 of 3

U.S. Banking Activity Abroad

Off-Balance-Sheet Contracts as of June 30, 1999($ in millions)

Foreign Exch. Risk Exposure Rank Int. Rat EPS Potential For. OffRisk ExpLast 12 Impact as a Loans Impact t Months % of EPS

1 $0.14 $4.04 3.51

2 0.02 2.24 1.01

3 0.1 2.96 3.49

4 1.54 5.6 27.53

5 0.11 1.8 6.24

6 0.15 3.67 4.22

7 0.03 3.35 1.01

8 0.06 2.89 2.2

9 3.21 8.17 39.35 10 0.03 4.07 0.74 11 0.16 2.94 5.53 12 0.02 1.68 1.09 Total 4.95 ===