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2002 SCOiIABA NK ANNUM RE VOR! 78
<br />Consolidated Balance Sheet
<br />As a Ocmbar 31 IS milllorrsl 2aa2 2001
<br />
<br />ASSEiS _
<br />Cash resources
<br />Cash and non-interest-bearing deposits with baMcs f t,fi64 8 1.535
<br />Interest-bearing deposits with banks 18,582 16,897
<br />Precious metaLS 2,027 1.728
<br /> 20,273 20,160
<br />SaCUfIt1e5 (Note 3)
<br />Investment 21,802 25,450
<br />Trading 31,592 27,834
<br /> 56,194 53,284
<br />Loans (Note 4)
<br />Residential mortgages 56,295 52,592
<br />Personal and credit cards 23,363 20.116
<br />Business and goverrmerns 77,181 79,460
<br />Assets purchased under resale agreemerrcs 32,262 27.500
<br /> 189,101 179,668
<br />Allowance far Credit losses (Note 5 D) 3,430 4, 236
<br /> 185,671 175,432
<br />Other
<br />Customers' liability under aaeptances 8,399 9.301
<br />Land. buildings aM equipment (Note s) 2,101 2.325
<br />Trading derivatives' market valuation (Nate 22 dl 15,821 15,886
<br />Goodwill (Note 7) 299 q00
<br />Other intangible assets (Nate 7) ~ 305 334
<br />Other assets (Note e) 7,;17 7,303
<br /> 34,2/2 35,549
<br /> f 2%,380 f 284.425
<br />LIABILITIES AND SHAREHOLDERS' EQUITY
<br />Deposits (Note 9)
<br />Personal f 75,558 f 75.573
<br />Business and governments 93,830 80,810
<br />Banks 26230 29812
<br /> 195,618 186,195
<br />Other
<br />Acceptances 8,399 9,301
<br />Obligatiora related to assets sold under repurchase agreements 31,881 30.627
<br />Obligations rela[etl to securities sold short 8,737 6,442
<br />Trading derivatives' market valuation (Hole 22 d) 15,500 15,453
<br />Other liabilities (Note 10) 15,678 15.369
<br />Non<ontrolling interest in subsidiaries (Note 11) 7,912 1.086
<br /> 82,707 78.278
<br />Suhordirtated debentrres (Note 12) 3,878 5,344
<br />Shareholders'equity
<br />Capital stock Mote t3)
<br />PreFerred shares 1,275 1.775
<br />Common shares 3,002 2,920
<br />Retainetl earnings 10,500 9 913
<br /> 14,777 14.608
<br /> f 2%,380 E 284.425
<br />Peter C. Godsoe
<br />Chairman of the Board and
<br />Chief Executive Offcer
<br />Arthur R. A. Scace
<br />Director and Chairman of the Autl¢ Committee
<br />iNa attnrnpanyirg pores am an integral part o/rMSe romodda(e0 fr~n[bl srate,nmrs.
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