1234567 SAMPLE BANK HOLDING COMPANY RICHMOND, VA FR Dist: 05 Peer: 1 FOREIGN ACTIVITIES ($000) ------------------------Total Foreign Loans and

Leases Real Estate Loans Commercial and Industrial Loans Loans to Dep Inst & Other Banks Accept Loans to Foreign Govts and Inst Loans to Individuals Agricultural Loans Other Foreign Loans Lease Financing Receivables Debt Securities Interest-Bearing Bank Balances Total Selected Foreign Assets Total Foreign Deposits Interest-Bearing Deposits Non-Interest-Bearing Deposits ANALYSIS RATIOS --------------Yield: Foreign Loans Cost: Interest-Bearing Deposits NET LOSSES AS % OF FOREIGN LNS BY TYPE: Real Estate Loans Commercial and Industrial Loans Foreign Governments and Inst mm/dd/yyyy -----------33,982 2,305 430 31,247 0 0 0 0 0 500 0 34,482 2,524,190 2,524,190 0 BHC PEER 01 PCT ----------------0.00 3.36 26 4.87 4.46 65

FOREIGN ACTIVITIES

PAGE 16

mm/dd/yyyy -----------22,297 5,725 585 15,987 0 0 0 0 N/A 10 0 22,307 1,912,036 1,912,036 0 BHC PEER 01 PCT ----------------0.00 2.74 28 4.10 3.71 60

mm/dd/yyyy -----------40,300 2,336 385 37,579 0 0 0 0 N/A 500 0 40,800 2,552,526 2,552,526 0 BHC PEER 01 PCT ----------------0.00 2.65 28 4.63 4.23 64

mm/dd/yyyy -----------25,291 3,936 1,460 19,895 0 0 0 0 N/A 10 0 25,301 2,179,436 2,179,436 0 BHC PEER 01 ------------0.00 2.35 3.17 2.79

mm/dd/yyyy -----------4,887 3,646 1,241 0 0 0 0 0 N/A 20 0 4,907 439,493 439,493 0 BHC PEER 01 ------------0.00 2.52 1.30 1.39

N/A N/A N/A

25.50 N/A 0.21 N/A -0.44 N/A

N/A N/A N/A

88.21 N/A 0.38 N/A -0.42 N/A

N/A N/A N/A

68.14 N/A 0.22 N/A -0.13 N/A

N/A 60.62 N/A

28.10 10.52 0.00

N/A N/A N/A

8.46 1.85 0.00

GROWTH RATES: Net Loans and Leases Total Selected Assets Deposits

52.41 54.58 32.02

23.43 28.18 31.27

80 78 64

-9.11 -9.14 284.99

29.98 45.83 19.50

32 25 97

59.35 61.26 17.12

148.47 67.27 33.71

82 81 47

417.52 415.61 395.90

16.66 16.65 18.44

-69.55 -69.46 87.40

19.96 16.57 47.84

BHCPR User’s Guide • March 2007

3-73

Foreign Activities
BHCPR page 16 provides informa­ tion on the BHC's activities in for­ eign offices, Edge-Act subsidiaries, or international banking facilities (IBF). Total Foreign Loans The sum of real estate loans to nonU.S. addressees, loans to non-U.S. depository institutions, loans to foreign governments and official institutions, loans to individuals in foreign offices, or agricultural other loans in foreign offices, and foreign lease financing receivables. (Note: This total represents the loan and lease balance before deducting unearned income.) Real Estate Loans Loans secured by real estate to nonU.S. addressees. Prior to March 31, 2001, this item reflects consolidated real estate loans minus domestic real estate loans. Commercial and Industrial Loans Loans for commercial and indus­ trial purposes to non-U.S. addressees (domicile), which are sole proprietor­ ships, partnerships, corporations, and other business enterprises. Loans to Depository Institutions Loans to U.S. and foreign branches of banks chartered and headquartered in a foreign country. Loans to Foreign Governments and Institutions Loans to governments in foreign countries, to their official institutions, and to international and regional institutions. Loans to Individuals Consolidated loans to individuals minus domestic loans to individuals. Agricultural Loans Consolidated agricultural loans minus domestic agricultural loans. 3-74 Other Foreign Loans Consolidated other loans minus domestic other loans. Lease Financing Receivables Outstanding receivable balances related to direct financing and leases on property acquired for leasing to non-U.S. addresses. Debt Securities Debt securities issued by non-U.S. chartered corporations, foreign gov­ ernments, or special international organizations. These securities are valued at amortized cost if classified as held-to-maturity or at fair value if classified as available-for-sale. Interest-Bearing Bank Balances Total interest-bearing balances due from depository institutions and for­ eign central banks that are held in the BHC’s foreign offices, Edge or Agree­ ment subsidiaries, IBFs, or consoli­ dated subsidiaries located outside the fifty states of the United States and the District of Columbia. Total Selected Foreign Assets The sum of foreign loans and leases, foreign debt securities, and interest bearing balances in foreign offices, Edge or Agreement subsidiaries, and IBFs. Total Foreign Deposits Foreign interest-bearing and non­ interest-bearing deposits. Interest-Bearing Deposits Interest-bearing deposits in foreign offices, Edge or Agreement subsid­ iaries, and IBFs. Non-Interest-Bearing Deposits Non-interest-bearing deposits in foreign offices, Edge or Agreement subsidiaries, and IBFs.

Analysis Ratios
Yield: Foreign Loans Interest and fee income on loans in foreign offices, Edge or Agreement subsidiaries, and IBFs divided by average foreign loans. Cost: Interest-Bearing Deposits Interest expense on foreign deposits divided by (four-point) average for­ eign interest-bearing deposits.

Net Losses as a Percent of Foreign Loans and Leases by Type
(Net Losses as a Percent of) Real Estate Loans Charge-offs less recoveries on real estate loans to non-U.S. addressees (annualized) divided by real estate loans to non-U.S. addresses. (Net Losses as a Percent of) Commercial and Industrial Loans Charge-offs less recoveries on com­ mercial and industrial loans to nonU.S. addresses (annualized) divided by commercial and industrial loans to non-U.S. addresses. (Net Losses as a Percent of) Foreign Governments and Institutions Charge-offs less recoveries on loans to foreign governments and insti­ tutions (annualized) divided by loans to foreign governments and institutions.

Growth Rates
This section presents the percentage changes for foreign loans and leases (net of unearned income, allowance for loan and lease losses, and allo­ cated transfer risk reserve), selected foreign assets, and foreign deposits. (See the description of Growth Rates on page 2-3.)
BHCPR User’s Guide • March 2007