div class=ts-pagebutton class=gotoPage data-page=1Page 1button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=1 data-page=1 class=ts-thumb lazyload alt=Page 1: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails1jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=2Page 2button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=2 data-page=2 class=ts-thumb lazyload alt=Page 2: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails2jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=3Page 3button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=3 data-page=3 class=ts-thumb lazyload alt=Page 3: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails3jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=4Page 4button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=4 data-page=4 class=ts-thumb lazyload alt=Page 4: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails4jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=5Page 5button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=5 data-page=5 class=ts-thumb lazyload alt=Page 5: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails5jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=6Page 6button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=6 data-page=6 class=ts-thumb lazyload alt=Page 6: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails6jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=7Page 7button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=7 data-page=7 class=ts-thumb lazyload alt=Page 7: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails7jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=8Page 8button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=8 data-page=8 class=ts-thumb lazyload alt=Page 8: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails8jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=9Page 9button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=9 data-page=9 class=ts-thumb lazyload alt=Page 9: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails9jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=10Page 10button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=10 data-page=10 class=ts-thumb lazyload alt=Page 10: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails10jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=11Page 11button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=11 data-page=11 class=ts-thumb lazyload alt=Page 11: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails11jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=12Page 12button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=12 data-page=12 class=ts-thumb lazyload alt=Page 12: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails12jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=13Page 13button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=13 data-page=13 class=ts-thumb lazyload alt=Page 13: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails13jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=14Page 14button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=14 data-page=14 class=ts-thumb lazyload alt=Page 14: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails14jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=15Page 15button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=15 data-page=15 class=ts-thumb lazyload alt=Page 15: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails15jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=16Page 16button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=16 data-page=16 class=ts-thumb lazyload alt=Page 16: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails16jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=17Page 17button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=17 data-page=17 class=ts-thumb lazyload alt=Page 17: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails17jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=18Page 18button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=18 data-page=18 class=ts-thumb lazyload alt=Page 18: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails18jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=19Page 19button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=19 data-page=19 class=ts-thumb lazyload alt=Page 19: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails19jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=20Page 20button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=20 data-page=20 class=ts-thumb lazyload alt=Page 20: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails20jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=21Page 21button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=21 data-page=21 class=ts-thumb lazyload alt=Page 21: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails21jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=22Page 22button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=22 data-page=22 class=ts-thumb lazyload alt=Page 22: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails22jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=23Page 23button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=23 data-page=23 class=ts-thumb lazyload alt=Page 23: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails23jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=24Page 24button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=24 data-page=24 class=ts-thumb lazyload alt=Page 24: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails24jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=25Page 25button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=25 data-page=25 class=ts-thumb lazyload alt=Page 25: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails25jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=26Page 26button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=26 data-page=26 class=ts-thumb lazyload alt=Page 26: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails26jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=27Page 27button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=27 data-page=27 class=ts-thumb lazyload alt=Page 27: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails27jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=28Page 28button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=28 data-page=28 class=ts-thumb lazyload alt=Page 28: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails28jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=29Page 29button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=29 data-page=29 class=ts-thumb lazyload alt=Page 29: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails29jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=30Page 30button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=30 data-page=30 class=ts-thumb lazyload alt=Page 30: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails30jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=31Page 31button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=31 data-page=31 class=ts-thumb lazyload alt=Page 31: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails31jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=32Page 32button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=32 data-page=32 class=ts-thumb lazyload alt=Page 32: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails32jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=33Page 33button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=33 data-page=33 class=ts-thumb lazyload alt=Page 33: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails33jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=34Page 34button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=34 data-page=34 class=ts-thumb lazyload alt=Page 34: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails34jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=35Page 35button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=35 data-page=35 class=ts-thumb lazyload alt=Page 35: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails35jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=36Page 36button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=36 data-page=36 class=ts-thumb lazyload alt=Page 36: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails36jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=37Page 37button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=37 data-page=37 class=ts-thumb lazyload alt=Page 37: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails37jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=38Page 38button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=38 data-page=38 class=ts-thumb lazyload alt=Page 38: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails38jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=39Page 39button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=39 data-page=39 class=ts-thumb lazyload alt=Page 39: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails39jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=40Page 40button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=40 data-page=40 class=ts-thumb lazyload alt=Page 40: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails40jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=41Page 41button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=41 data-page=41 class=ts-thumb lazyload alt=Page 41: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails41jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=42Page 42button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=42 data-page=42 class=ts-thumb lazyload alt=Page 42: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails42jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=43Page 43button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=43 data-page=43 class=ts-thumb lazyload alt=Page 43: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails43jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=44Page 44button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=44 data-page=44 class=ts-thumb lazyload alt=Page 44: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails44jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=45Page 45button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=45 data-page=45 class=ts-thumb lazyload alt=Page 45: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails45jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=46Page 46button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=46 data-page=46 class=ts-thumb lazyload alt=Page 46: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails46jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=47Page 47button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=47 data-page=47 class=ts-thumb lazyload alt=Page 47: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails47jpg width=140 height=200 divdivdiv class=ts-pagebutton class=gotoPage data-page=48Page 48button div class=ts-imageimg data-url=s1q4cdncoms1q4cdncom714383399filesdocfinancialsannual-eps-roa-andhtmlpage=48 data-page=48 class=ts-thumb lazyload alt=Page 48: s1q4cdncoms1q4cdncom714383399filesdoc_financialsannual1996annualreportpdf · EPS ROA and ROE results exclude a 1993 after-tax charge of $559 million $103 per share loading=lazy src=data:imagegifbase64iVBORw0KGgoAAAANSUhEUgAAAAIAAAACCAQAAADYv8WvAAAAD0lEQVR42mP8X8AwAgiABKBAv+vAXklAAAAAElFTkSuQmCC data-src=https:reader030vdocumentinreader030viewer20220409005e6ed94d1b50ad4be60efb11html5thumbnails48jpg width=140 height=200 divdiv
