EDGAR Pro
About EDGAR Online | Login



The following is an excerpt from a 6-K SEC Filing, filed by BCE INC on 5/5/2004.

Jump to : 


  
						
                 SUMMARY OF CASH FLOWS
                 ---------------------------------------------------------------------
                                                                Q1 2004     Q1 2003
                 ---------------------------------------------------------------------
                 Cash from operating activities                   1,243       1,157
                 Capital expenditures                              (688 )      (594 )
                 Other investing activities                          20         (40 )
                 Preferred dividends                                (22 )       (11 )
                 Dividends paid by subsidiaries to                  (42 )       (44 )
                 non-controlling interest
                 ---------------------------------------------------------------------
                 Free cash flow from operations, before common      511         468
                 dividends
                 Common dividends                                  (277 )      (257 )
                 ---------------------------------------------------------------------
                 Free cash flow from operations, after common       234         211
                 dividends
                 Business acquisitions                              (81 )       (63 )
                 Business dispositions                               16           -
                 Change in investments accounted for under the        6           7
                 cost and equity methods
                 Net issuance of equity instruments                   4         158
                 Net issuance of debt instruments                   406       1,313
                 Financing activities of subsidiaries with          (36 )        54
                 third parties
                 Cash provided by discontinued operations           288           4
                 Other                                              (48 )        (2 )
                 ---------------------------------------------------------------------
                 Net increase in cash and cash equivalents          789       1,682
                 ---------------------------------------------------------------------

CASH FROM OPERATING ACTIVITIES
Cash from operating activities increased 7.4% or $86 million to $1,243 million in Q1 2004, compared to Q1 2003. This was a result of:
º improved operating performance
º the positive effect of changes in working capital partly offset by:
º tax refunds of $237 million received in Q1 2003 generated from the utilization of capital losses.
CAPITAL EXPENDITURES
We have rigorous programs in place to manage capital spending prudently. We continue to make investments to expand and update our networks and to meet customer demand. Capital expenditures were $688 million in the first quarter, or 14.6% of revenues, up from $594 million, or 12.7% of revenues, for the same period last year. This increase reflects higher spending earlier in the year to drive DSL footprint expansion, productivity and the Telesat satellite build.
Bell Canadas consolidated capital intensity ratio was 14.4% in Q1 2004, compared to 13.1% in Q1 2003. Bell Canadas consolidated capital expenditures accounted for over 80% of our consolidated capital expenditures in Q1 2004 and 90% of our consolidated capital expenditures in Q1 2003.
OTHER INVESTING ACTIVITIES Cash from other investing activities of $20 million in 2004 included $43 million of insurance proceeds that Telesat received for a malfunction on the Anik F1 satellite.
COMMON DIVIDENDS
We paid a dividend of $0.30 per common share in Q1 2004. This was the same as the dividend we paid in Q1 2003.
We realized a cash benefit of $18 million in Q1 2003 because we issued treasury shares to fund BCE Inc.s dividend reinvestment plan instead of buying shares on the open market. Effective Q1 2004, we started buying all of the shares needed for the dividend reinvestment plan on the open market to avoid dilution. This eliminated any further cash benefits related to issuing treasury shares. As a result, total dividends paid on common shares increased 7.8% or $20 million to $277 million in Q1 2004, compared to Q1 2003.

16 2004 Quarterly Report Bell Canada Enterprises


BUSINESS ACQUISITIONS
We invested $81 million in business acquisitions in Q1 2004.
This consisted mainly of:
º Bell Canada's purchase of a 100% interest in Accutel Conferencing Systems Inc. (Canada) and certain branches of Accutel Conferencing Systems (U.S.) (collectively, Accutel) for $48 million. The acquisition of Accutel, a teleconferencing service provider, will allow us to broaden our strategy of combining voice and data to provide solutions to SMB customers.
º Bell Canada's purchase of a 75.8% interest in Elix Inc. (Elix) for $10 million. The acquisition of Elix, a company well-known for contact center solutions, complements our strategic objective of providing enterprise customers with value-added services. It increases the scale of Bell Canada's existing contact center professional services team and provides access to an expanded customer base.
º BCE Emergis' purchase of a 100% interest in each of WARE Solutions Corporation, Gestion InfoPharm Inc. and Tri-comp Systems Ltd. for a total of $22 million. We invested $63 million in business acquisitions in Q1 2003. This consisted mainly of our proportionate share of the cash paid for CGI's acquisition of Cognicase Inc. EQUITY INSTRUMENTS
In Q1 2003, BCE Inc. issued 20 million Series AC preferred shares for $510 million and redeemed 14 million Series U preferred shares for $357 million, which included a $7 million premium on redemption.
DEBT INSTRUMENTS
We issued $1.3 billion of debt in Q1 2004 and repaid $939 million of existing debt. The excess cash raised of $406 million, mainly at Bell Canada, along with existing cash on hand of $714 million at the end of 2003, free cash flow of $234 million generated in Q1 2004 and net cash proceeds of $285 million on the sale of BCE Emergis' U.S. health operations, contributed to the cash on hand of $1.5 billion at March 31, 2004. This cash on hand is expected to be used primarily to repay maturing debt during the remainder of 2004 and to finance the purchase of MTS's 40% interest in Bell West.
On April 30, 2004, Bell Canada repaid its Series M-15
Debentures for $500 million.
CASH RELATING TO DISCONTINUED OPERATIONS
Cash provided by discontinued operations was $288 million in Q1 2004. This consisted mainly of net cash proceeds of $285 million on the sale of BCE Emergis' U.S. health operations.
CREDIT RATINGS
Our key credit ratings at May 4, 2004 remain unchanged from those listed in the BCE 2003 MD&A.
LIQUIDITY
Our ability to generate cash in the short term and in the long term, when needed, and to provide for planned growth and to fund development activities, depends on our sources of liquidity and on our cash requirements.
Our sources of liquidity and cash requirements remain substantially unchanged from those described in the BCE 2003 MD&A.
RECENT DEVELOPMENTS IN LEGAL PROCEEDINGS This section provides a description of recent material developments in certain of the legal proceedings involving BCE described in the BCE 2003 AIF.

17 2004 Quarterly Report Bell Canada Enterprises


TELEGLOBE RELATED LAWSUITS
Kroll Restructuring Lawsuit
As indicated in the BCE 2003 AIF, Kroll Restructuring Ltd. filed on February 26, 2003 a notice of action in the Ontario Superior Court of Justice against five former directors of Teleglobe Inc.(Teleglobe). On April 16, 2004, the defendants filed their statement of defence.
Risks That Could Affect Our Business
This section describes general risks that could affect all BCE group companies and specific risks that could affect BCE Inc. and certain of the other BCE group companies.
A risk is the possibility that an event might happen in the future that could have a negative effect on the financial condition, results of operations or business of one or more BCE group companies. Part of managing our business is to understand what these potential risks could be and to minimize them where we can.
Because no one can predict whether an event will happen or its consequences, the actual effect of any event on our business could be materially different from what we currently anticipate. In addition, this description of risks does not include all possible risks, and there may be other risks that we are currently not aware of.
Bell Canada is our most important subsidiary, which means our financial performance depends in large part on how well Bell Canada performs financially. The risks that could affect Bell Canada and its subsidiaries are more likely to have a significant impact on our financial condition, results of operations and business than the risks that could affect other BCE group companies.
RISKS THAT COULD AFFECT ALL BCE GROUP COMPANIES STRATEGIES AND PLANS
We plan to achieve our business objectives through various strategies and plans. For Bell Canada, Aliant and their respective telecommunications subsidiaries (collectively, the Bell Canada companies), the strategy is to lead change in the industry and set the standard for IP-based communications while continuing to deliver on our goals of innovation, simplicity and service, and efficiency. The key elements of the strategies and plans of the Bell Canada companies include:
º evolving from multiple service-specific networks to a single IP-based network
º providing new services to meet customers' needs by introducing innovative technologies, including Voice over Internet Protocol (VoIP), very high speed digital subscriber line (VDSL) and Internet Protocol television (IPTV) and providing professional services to customers in associated areas such as network management, security and engineering
º maintaining and improving customer satisfaction by simplifying all areas of our customers' experience, including call centres, billing and points of sale
º increasing the number of customers who buy multiple products by focusing our marketing and sales efforts by customer segment. This includes offering bundled services to consumers and service packages to businesses.
º lowering costs by improving efficiency in all areas of product and service delivery, including installation, activation and call centres. Our strategic direction involves significant changes in processes, in how we approach our markets, and in products and services. These changes will require a shift in employee skills.

18 2004 Quarterly Report Bell Canada Enterprises


The strategies and plans outlined above will require capital expenditures for their implementation. The timing and quantity of the returns from these investments are uncertain. At this time, we cannot determine the effect that moving to a single IP-based network could have on our results of operations.
If we are unable to achieve our business objectives, our financial performance, including our growth prospects, could be hurt. This could have a material and negative effect on our results of operations.
ECONOMIC AND MARKET CONDITIONS Our business is affected by general economic conditions, consumer confidence and spending, and the demand for, and the prices of, our products and services. When there is a decline in economic growth, and in retail and commercial activity, there tends to be a lower demand for our products and services. During these periods, customers may delay buying our products and services, or reduce or discontinue using them.
The slower pace of growth and the uncertainty in the global economy have reduced demand for some of our products and services, which has negatively affected our financial performance and may continue to negatively affect it in the future.
Weak economic conditions may negatively affect our profitability and cash flows from operations. They could also negatively affect the financial condition and credit risk of our customers, which could increase uncertainty about our ability to collect receivables and potentially increase our bad debt expenses.
INCREASING COMPETITION
We face intense competition from traditional competitors, as well as from new entrants to the markets we operate in. We compete not only with other telecommunications, media, television, satellite, information technology and e-commerce service providers, but also with other businesses and industries. These include cable, software and Internet companies, a variety of companies that offer network services, such as providers of business information systems and system integrators, and other companies that deal with, or have access to, customers through various communications networks.
Many of our competitors have substantial financial, marketing, personnel and technological resources. Other competitors have recently emerged, or may emerge in the future, from restructurings with reduced debt and a stronger financial position. This means that they could have more financial flexibility to price their products and services at competitive rates. Recently, Manitoba Telecom Services Inc., an established telecommunications provider, announced a proposed merger with Allstream Inc. potentially leading to more consolidation in the industry.
Competition could affect our pricing strategies and reduce our revenues and profitability. It could also affect our ability to retain existing customers and attract new ones. Competition puts us under constant pressure to keep our prices competitive. It forces us to continue to reduce costs, manage expenses and increase productivity. This means that we need to be able to anticipate and respond quickly to the constant changes in our businesses and markets.
We already have several domestic and foreign competitors, but the number of foreign competitors with a presence in Canada and large resources could increase in the future. In 2003, the Canadian government started a review of the foreign ownership restrictions that apply to telecommunications carriers and to broadcasting distribution undertakings (BDUs). Removing or easing the limits on foreign ownership could result in foreign companies entering the Canadian market by making acquisitions or investments. This could result in greater access to capital for our competitors or the arrival of new competitors with global scale, which would increase competitive pressure. Because the government's review has not been completed, it is impossible to predict the outcome or to assess how any resulting change in foreign ownership restrictions may affect us.

19 2004 Quarterly Report Bell Canada Enterprises


Competition from foreign competitors could increase through the provision of advanced applications and related services delivered over IP, limiting the Bell Canada companies to the provision of IP access services only.

Wireline and Long Distance
We experience significant competition in long distance from dial-around providers, pre-paid card providers and others, and from traditional competitors, such as inter-exchange carriers and resellers. Contracts for long distance services to large business customers are very competitive. Our pricing strategy is to offer prices that reflect the quality of our service and the volume and the characteristics of the traffic. Customers may choose to switch to competitors that offer very low prices to acquire market share and have little regard for the quality of service or impact on their earnings.
We also face increasing cross-platform competition as customers substitute new technologies for traditional services. For example, our wireline business competes with wireless and Internet services, including chat services, instant messaging and e-mail. We expect to face competitive pressure from cable companies as they implement voice services over their networks and from other emerging competitors, including municipal electrical utilities and other VoIP providers. We expect these kinds of competition to intensify as growth in Internet and wireless services continues and new technologies are developed.
Cross-platform competition will be increasingly intense as technologies, such as VoIP, improve and gain market acceptance. We have announced plans to launch our own VoIP initiative, but there is no assurance that it will attract a sustainable customer base. VoIP services are anticipated to take business away from our other products and services. If significant competition for VoIP develops, it could reduce our existing market share in local and long distance services, and could have a material and negative effect on our future revenues and profitability.
VoIP technology does not require service providers to own or rent physical networks, which increases access to this market by other competitors. If competition from these service providers further develops, it could have a material and negative effect on our future revenues and profitability.
Technology substitution, and VoIP in particular, has reduced barriers to entry that existed in the industry. This has allowed competitors with limited access to financial, marketing, personnel and technological resources to rapidly launch new products and services and to gain market share. This trend is expected to accelerate in the future, which could materially and negatively affect our financial performance.
Internet Access
Cable companies and independent Internet service providers (ISPs) have increased competition in the broadband and Internet access services business. Competition has led to pricing for Internet access in Canada that is among the lowest in the world.
Furthermore, service providers funded by regional electrical utilities may continue to develop and market services that compete directly with Bell Canada's Internet access and broadband services. Developments in the field of fixed wireless broadband services may also result in increased competition in certain geographic service regions. This could materially and negatively affect the financial performance of our Internet access services business. Wireless
The Canadian wireless telecommunications industry is also highly competitive. We compete directly with other wireless service providers that have aggressive product and service introductions, pricing and marketing, and with wireline service providers. We expect competition to intensify as new technologies, products and services are developed.

20 2004 Quarterly Report Bell Canada Enterprises


Video
Bell ExpressVu competes directly with another direct-to-home (DTH) satellite television provider and with cable companies across Canada. These cable companies have recently upgraded their networks, operational systems and services, which could improve their competitiveness. This could materially and negatively affect the financial performance of Bell ExpressVu.
IMPROVING PRODUCTIVITY AND CONTAINING CAPITAL INTENSITY We continue to implement several productivity improvements while containing our capital intensity. There could be a material and negative effect on our profitability if we do not continue to successfully implement these productivity improvements and manage capital intensity while maintaining the quality of our service. For example, we must reduce the price of certain services offered by the Bell Canada companies, that are subject to regulatory price caps, each year between 2002 and 2006. In addition, to remain competitive in some business data services that are not regulated, we have reduced our prices and may have to continue doing so in the future. The profits of the Bell Canada companies will decline if they cannot lower their expenses at the same rate. There could also be a material and negative effect on our profitability if market factors or other regulatory actions result in lower revenues and we cannot reduce our expenses at the same rate.
Many productivity improvements require capital expenditures to implement systems that automate or assist in our operations. There is no assurance that these investments will be effective in delivering the planned productivity improvements.
ANTICIPATING TECHNOLOGICAL CHANGE We operate in markets that are experiencing constant technological change, evolving industry standards, changing client needs, frequent new product and service introductions, and short product life cycles.
Our success will depend in large part on how well we can anticipate and respond to changes in industry standards and client needs, and how quickly and efficiently we can introduce new products, services and technologies, and upgrade existing ones.
We may face additional financial risks as we develop new products, services and technologies, and update our networks to stay competitive. Newer technologies, for example, may quickly become obsolete or may need more capital than expected. Development could be delayed for reasons beyond our control. Substantial investments usually need to be made before new technologies prove to be commercially viable.
The Bell Canada companies are in the process of moving their core circuit-based infrastructure to IP technology. This should allow them to:
º offer integrated voice, data and video services
º offer a range of valuable network enabled business solutions to large business customers
º increase capital efficiency
º increase operating efficiency, including our efficiency in introducing and supporting services. As part of this move, the Bell Canada companies also plan to discontinue certain services that are based on circuit-based infrastructure. This is a necessary component of increasing capital and operating efficiencies. In some cases, this could be delayed or prevented by customers or regulatory actions. If the Bell Canada companies cannot discontinue these services as planned, they will not be able to achieve improvements as expected. There is no assurance that we will be successful in developing, implementing and marketing new technologies, products, services or enhancements in a reasonable time, or that they will have a market. There is also no assurance that efficiencies will increase as expected. New products or services that use new or evolving technologies could make our existing ones unmarketable or cause their prices to fall.

21 2004 Quarterly Report Bell Canada Enterprises


LIQUIDITY
Our ability to generate cash and to maintain capacity to meet our financial obligations and provide for planned growth depends on our cash requirements and on our sources of liquidity.
Our cash requirements may be affected by the risks associated with our contingencies, off-balance sheet arrangements and derivative instruments.
In general, we finance our capital needs in four ways:
º from cash generated by our operations or investments
º by borrowing from commercial banks
º through debt and equity offerings in the capital markets
º by selling or otherwise disposing of assets. Financing through equity offerings would dilute the holdings of existing equity investors. An increased level of debt financing could lower our credit ratings, increase our borrowing costs and give us less flexibility to take advantage of business opportunities. Our ability to raise financing depends on our ability to access the capital markets and the syndicated commercial loan market. The cost of funding depends largely on market conditions, and the outlook for our business and our credit ratings at the time capital is raised. If our credit ratings are downgraded, our cost of funding could significantly increase. In addition, participants in the capital and syndicated commercial loan markets have internal policies limiting their ability to invest in, or extend credit to, any single borrower or group of borrowers or to a particular industry. BCE Inc. and certain of its subsidiaries have entered into renewable credit facilities with various financial institutions. They include facilities serving as back-up facilities for issuing commercial paper. There is no assurance that these facilities will be renewed at favourable terms. We need significant amounts of cash to implement our business plan. This includes cash for capital expenditures to provide our services, dividend payments and payment of our contractual obligations, including repayment of and refinancing our outstanding debt. Our plan in 2004 is to generate enough cash from our operating activities to pay for capital expenditures and dividends. We expect to repay contractual obligations maturing in 2004 from cash on hand, from cash generated from our operations or by issuing debt. If actual results are different from our business plan or if the assumptions in our business plan change, we may have to raise more funds than expected from issuing debt or equity. If we cannot raise the capital we need upon acceptable terms, we may have to:
º limit our ongoing capital expenditures
º limit our investment in new businesses
º try to raise additional capital by selling or otherwise disposing of assets. Any of these possibilities could have a material and negative effect on our cash flow from operations and growth prospects in the long term.
RELIANCE ON MAJOR CUSTOMERS An important amount of revenue earned by BCE group companies, including Bell Canada, comes from a small number of major customers. If they lose contracts with such major customers and cannot replace them, it could have a material and negative effect on their results.

22 2004 Quarterly Report Bell Canada Enterprises


MAKING ACQUISITIONS
Our growth strategy includes making strategic acquisitions and entering into joint ventures. There is no assurance that we will find suitable companies to acquire or to partner with or that we will have the financial resources needed to complete any acquisition or to enter into any joint venture. There could also be difficulties in integrating the operations of acquired companies with our existing operations or in operating joint ventures.
LITIGATION, REGULATORY MATTERS AND CHANGES IN LAWS Pending or future litigation, regulatory initiatives or regulatory proceedings could have a material and negative effect on our businesses, operating results and financial condition. Changes in laws or regulations or in how they are interpreted, and the adoption of new laws or regulations, including changes in, or the adoption of, new tax laws that result in higher tax rates or new taxes, could also materially and negatively affect us. Any claim by a third party, with or without merit, that a significant part of our business infringes on its intellectual property could also materially and negatively affect us.
Please see the BCE 2003 AIF for a detailed description of:
º the principal legal proceedings involving BCE
º certain regulatory initiatives and proceedings concerning the Bell Canada companies. Please see Recent Developments in Legal Proceedings in this MD&A for a description of recent material developments, since the BCE 2003 AIF, in the principal legal proceedings involving us. In addition, please refer to the discussion under Risks that could affect certain BCE group companies - Bell Canada companies - Changes to wireline regulations for a description of certain regulatory initiatives and proceedings that could affect the Bell Canada companies.
FUNDING AND CONTROL OF SUBSIDIARIES BCE Inc. is currently funding, directly or indirectly, and may continue to fund, the operating losses of some of its subsidiaries in the future, but it is under no obligation to continue doing so. If BCE Inc. decides to stop funding any of its subsidiaries and that subsidiary does not have other sources of funding, this would have a material and negative effect on the subsidiary's results of operations and financial condition and on the value of its securities.
In addition, BCE Inc. does not have to remain the majority holder of, or maintain its current level or nature of ownership in, any subsidiary, unless it has agreed otherwise. The announcement of a decision by BCE Inc. to change the nature of its investment in a subsidiary, to dispose of some or all of its interest in a subsidiary, or any other similar decision could have a material and negative effect on the subsidiary's results of operations and financial condition and on the value of its securities.
If BCE Inc. stops funding a subsidiary, changes the nature of its investment or disposes of all or part of its interest in a subsidiary, stakeholders or creditors of the subsidiary might decide to take legal action against BCE Inc. For example, certain members of the lending syndicate of Teleglobe, a former subsidiary of BCE Inc., and other creditors of Teleglobe have launched lawsuits against BCE Inc. following its decision to stop funding Teleglobe. You will find a description of these lawsuits in the BCE 2003 AIF under Legal proceedings we are involved in as updated in this MD&A under Recent Developments in Legal Proceedings. While we believe that these kinds of claims have no legal foundation, they could negatively affect the market price of BCE Inc.'s securities. BCE Inc. could have to devote considerable management time and resources in responding to any such claim.
PENSION FUND CONTRIBUTIONS Most of our pension plans had pension fund surpluses as of our most recent actuarial valuations. As a result, we have not had to make regular contributions to the pension funds in the past few years.

23 2004 Quarterly Report Bell Canada Enterprises


The decline in the capital markets in 2001 and 2002, combined with historically low interest rates, has significantly reduced the pension fund surpluses and negatively affected our net earnings.
Our pension plan assets had higher returns than expected in 2003. There is no assurance that high returns will continue. If returns on pension plan assets decline again in the future, the surpluses could also continue to decline. If this happens, we might have to start making contributions to the pension funds. This could also have a material and negative effect on our results of operations.
RETAINING EMPLOYEES
Our success depends in large part on our ability to attract and retain key employees. The loss of key people, if it happens, could materially hurt our businesses and operating results.
RENEGOTIATING LABOUR AGREEMENTS Approximately 45% of our employees are represented by unions and are covered by collective agreements. The following material collective agreements have expired:
º the collective agreement between Bell Canada and the Communications, Energy and Paperworkers Union of Canada (CEP), representing approximately 7,000 craft and services employees.
º the collective agreements between Aliant Telecom and its employees, representing approximately 4,200 employees. Most of these employees, represented by the Council of Atlantic Telecommunications Unions began a strike on April 23, 2004, the duration of which cannot be predicted.
º the collective agreements relating to employees of certain divisions and subsidiaries of CTV Inc (CTV), representing approximately 550 employees
º the collective agreement between Connexim, Limited Partnership and its employees, representing approximately 100 craft and services employees. The following material collective agreements will expire in 2004:
º the collective agreements between Entourage Technology Solutions Inc. and the CEP, representing approximately 2,000 technicians in Qubec and Ontario, will expire on September 30, 2004
º the collective agreements between certain divisions and subsidiaries of CTV and their employees, representing approximately 500 employees, will expire on or before December 31, 2004. Renegotiating collective agreements could result in higher labour costs and work disruptions, including work stoppages or work slowdowns. Difficulties in renegotiations or other labour unrest could significantly hurt our businesses, operating results and financial condition.
EVENTS AFFECTING OUR NETWORKS Network failures could materially hurt our business, including our customer relationships and operating results. Our operations depend on how well we protect our networks, our equipment, our applications and the information stored in our data centres against damage from fire, natural disaster, power loss, hacking, computer viruses, disabling devices, acts of war or terrorism, and other events. Any of these events could cause our operations to be shut down indefinitely.
Our network is connected with the networks of other telecommunications carriers, and we rely on them to deliver some of our services. Any of the events mentioned in the previous paragraph, as well as strikes or other work disruptions, bankruptcies, technical difficulties or other events affecting the networks of these other carriers, could also hurt our business, including our customer relationships and operating results.

24 2004 Quarterly Report Bell Canada Enterprises


RISKS THAT COULD AFFECT BCE INC.
HOLDING COMPANY STRUCTURE
BCE Inc. is a holding company. That means it does not carry on any significant operations and has no major sources of income or assets of its own, other than the interests it has in its subsidiaries, joint ventures and significantly influenced companies. BCE Inc.s cash flow and its ability to service its debt and to pay dividends on its shares all depend on dividends or other distributions it receives from its subsidiaries, joint ventures and significantly influenced companies and, in particular, from Bell Canada. BCE Inc.s subsidiaries, joint ventures and significantly influenced companies are separate legal entities. They do not have to pay dividends or make any other distributions to BCE Inc.
STOCK MARKET VOLATILITY
The stock markets have experienced significant volatility over the last few years, which has affected the market price and trading volumes of the shares of many telecommunications companies, in particular. Differences between BCE Inc.s actual or anticipated financial results and the published expectations of financial analysts may also contribute to volatility in BCE Inc.s common shares. A major decline in the capital markets in general, or an adjustment in the market price or trading volumes of BCE Inc.s common shares or other securities, may materially and negatively impact our ability to raise capital, issue debt, retain employees or make future strategic acquisitions or joint ventures.
RISKS THAT COULD AFFECT CERTAIN BCE GROUP COMPANIES BELL CANADA COMPANIES
Changes to Wireline Regulations Decisions of regulatory agencies The business of the Bell Canada companies is affected by decisions made by various regulatory agencies, including the CRTC. Many of these decisions balance requests from competitors for access to facilities, such as the telecommunications networks, switching and transmission facilities, and other network infrastructure of incumbent telephone companies, with the rights of the incumbent telephone companies to compete reasonably freely.
Second Price Cap decision
In May 2002, the CRTC issued decisions relating to new price cap rules that will govern incumbent telephone companies for a four-year period starting in June 2002. These decisions:
º set a 3.5% productivity factor on many capped services, which may require the Bell Canada companies to reduce prices on these services
º extended price cap regulation to more services
º reduced the prices that incumbent telephone companies can charge competitors for services
º set procedures for enforcing standards of service quality
º effectively froze rates for residential services. The CRTC also established a deferral account and, on March 24, 2004, initiated a public proceeding inviting proposals on the disposition of the amounts accumulated in the accounts of the incumbent telephone companies during the first two years of the price cap period. There is a risk that the account could be used in a way that could have a negative financial effect on the Bell Canada companies. The balance in Bell Canadas and Aliant Telecoms deferral accounts at March 31, 2004 was estimated to be approximately $189 million. Clearing of these accounts is expected to begin in 2005.

25 2004 Quarterly Report Bell Canada Enterprises


On December 2, 2003, Bell Canada filed an application with the CRTC asking for approval to use some of the funds in its deferral account to expand its broadband services to certain areas. The CRTC has indicated that this application will be considered as part of the public proceeding in 2004.
In addition, other follow-up issues to the Price Cap decision are expected to be resolved in 2004. The outcome of these issues could result in an additional negative effect on the results of the Bell Canada companies.

Decision on incumbent affiliates
On December 12, 2002, the CRTC released its decision on incumbent affiliates, which requires Bell Canada and its carrier affiliates to receive CRTC approval on contracts that bundle tariffed and non-tariffed products and services. This means that:
º all existing contracts that bundle tariffed and non-tariffed products and services must be filed with the CRTC for approval
º all new contracts that bundle tariffed and non-tariffed products and services must receive CRTC approval before they are carried out
º carrier affiliates must meet the same approval requirements as Bell Canada on products and services they offer in Bell Canada's operating territory. On September 23, 2003, the CRTC issued a decision that requires Bell Canada and its carrier affiliates to include a detailed description of the bundled services they provide to customers when they file tariffs with the CRTC. The customer's name will be kept confidential, but the pricing and service arrangements it has with the Bell Canada companies will be available on the public record. These decisions increase Bell Canada's and its carrier affiliates' regulatory burden at both the wholesale and retail levels. They could also cause some of their large customers to choose another preferred supplier, which could have a material and negative effect on their results of operations. These decisions are currently under appeal. Allstream and Call-Net application concerning customer-specific arrangements On January 23, 2004, Allstream Corp. (Allstream) and Call-Net Enterprises Inc. (Call-Net) filed a joint application asking the CRTC to order Bell Canada to stop providing service under any carrier services agreement (CSAs) that are currently filed with the CRTC and are not yet approved. Allstream and Call-Net have proposed that Bell Canada should only provide services to these customers under its general tariff. Allstream and Call-Net have also proposed that the CRTC suspend its approval of any new CSAs until Bell Canada's appeal of the decision on incumbent affiliates is heard. Bell Canada provided its comments opposing all aspects of this application. If the CRTC grants it, Bell Canada will be required to cancel contracts with many of its enterprise customers and, in some cases, to reprice services. Suspending approval of any new CSAs could have a material and negative effect on Bell Canada's ability to offer new services to the large business customer market on competitive terms and conditions. Public notice on changes to minimum prices On October 23, 2003, the CRTC issued a public notice asking for comments on its preliminary view that revised rules may be needed for setting minimum prices for the regulated services of the Bell Canada companies and for how incumbent telephone companies price their services, service bundles and customer contracts. It issued an amended public notice on December 8, 2003.

26 2004 Quarterly Report Bell Canada Enterprises


The CRTC is also seeking comments on proposed pricing restrictions on volume or term contracts for retail tariffed services. It is too early to determine if the proposals will be implemented as proposed. If they are, the Bell Canada companies will be required to increase the minimum prices they charge for regulated services. This would limit their ability to compete. Bell Canada provided its comments to the CRTC on January 30, 2004.
Application seeking consistent regulation On November 6, 2003, Bell Canada filed an application requesting that the CRTC start a public hearing to review how similar services offered by cable companies and telephone companies are regulated. This would allow consistent rules to be developed that recognize and support the growing competition between these converging sectors. Bell Canada also requested that this proceeding address any rules that might be needed to govern VoIP services provided by cable companies and others.
On April 7, 2004, the CRTC invited comments on its preliminary views, as well as on any other relevant matters, and participation in a public consultation relating to the regulatory framework for VoIP. The CRTC stated its preliminary views that VoIP services that utilize telephone numbers that conform to the North American Numbering Plan (NANP) and allow subscribers to call or receive calls from any telephone with access to the Public Switched Telephone Network (PSTN) are functionally the same as switched telecommunications services. The CRTC stated that as a preliminary conclusion, when incumbent telephone companies provide VoIP services in their incumbent territories, they would be required to adhere to their existing tariffs or to file proposed tariffs where required, in conformity with applicable regulatory rules. The CRTC also provided its preliminary views with regard to the provision of 9-1-1 services, message relay service and privacy safeguards by local VoIP service providers.
These proceedings could determine the rules for competition with other service providers and could affect the ability of the Bell Canada companies to compete in the future. Licences and Changes to Wireless Regulation Companies must have a spectrum licence to operate cellular, PCS and other radio-telecommunications systems in Canada. The Minister of Industry awards spectrum licences, through a variety of methods, at his or her discretion under the Radiocommunication Act.
As a result of a recent Industry Canada decision, Bell Mobility's and Aliant Telecom / MT&T Mobility Inc.'s cellular and PCS licences, which would have expired on March 31, 2006, will now expire in 2011. The PCS licences that were awarded in the 2001 PCS auction will expire on November 29, 2011. As a result, these Bell Canada companies' cellular and PCS licences are now classified as spectrum licences with a 10-year licence term. While we expect that they will be renewed at term, there is no assurance that this will happen. Industry Canada can revoke a company's licence at any time if the company does not comply with the licence's conditions. While we believe that we comply with the conditions of our licences, there is no assurance that Industry Canada will agree, which could have a material and negative effect on the Bell Canada companies.
In December 2003, Industry Canada issued its decision on changing the terms and the method of calculating the fees of cellular and PCS licences. The new fees are based on the amount of spectrum a carrier holds in a given geographic area. Fees were previously based on the degree of deployment or the number of radio sites in operation. The changes came into effect on April 1, 2004 and will be implemented over seven years. They are not expected to have a material impact on the amount of fees paid by the Bell Canada companies.
In October 2001, the Minister of Industry announced plans for a national review of Industry Canada's procedures for approving and placing wireless and radio towers in Canada, including a review of the role of municipal authorities in the approval process. If the consultation process results in more municipal

27 2004 Quarterly Report Bell Canada Enterprises


involvement in the approval process, there is a risk that it could significantly slow the expansion of wireless networks in Canada. This could have a material and negative effect on the operations of the Bell Canada companies. The final report is expected in June 2004.
Increased Accidents From Using Cellphones Some studies suggest that using handheld cellphones while driving may result in more accidents. It is possible that this could lead to new regulations or legislation banning the use of handheld cellphones while driving, as it has in Newfoundland and Labrador and in several U.S. states. If this happens, cellphone use in vehicles could decline, which could negatively affect the business of the Bell Canada companies. Health Concerns About Radio Frequency Emissions It has been suggested that some radio frequency emissions from cellphones may be linked to medical conditions, such as cancer. In addition, some interest groups have requested investigations into claims that digital transmissions from handsets used with digital wireless technologies pose health concerns and cause interference with hearing aids and other medical devices. This could lead to additional government regulation, which could have a material and negative effect on the business of the Bell Canada companies. In addition, actual or perceived health risks of wireless communications devices could result in fewer new network subscribers, lower network usage per subscriber, higher churn rates, product liability lawsuits or less outside financing available to the wireless communications industry. Any of these would have a negative effect on the business of the Bell Canada companies.
BELL EXPRESSVU
Bell ExpressVu currently uses two satellites, Nimiq 1 and Nimiq 2, for its video services. Telesat operates these satellites. Satellites are subject to significant risks. Any loss, failure, manufacturing defects, damage or destruction of these satellites, or of Bell ExpressVu's terrestrial broadcasting infrastructure, could have a material and negative effect on Bell ExpressVu's results of operations and financial condition. Please see Risks that could affect certain BCE group companies
- Telesat for more information on the risks concerning Telesat's satellites. Bell ExpressVu is subject to programming and carriage requirements under its CRTC licence. Changes to the regulations that govern broadcasting or to its licence could negatively affect Bell ExpressVu's competitive position or the cost of providing its services. Bell ExpressVu's application for the renewal of its existing DTH satellite television distribution undertaking licence was approved by the CRTC on March 31, 2004 upon essentially the same terms and conditions until August 31, 2010. Bell ExpressVu continues to face competition from unregulated U.S. DTH satellite television services that are illegally sold in Canada. In response, it has started, or is participating in, several legal actions that are challenging the sale of U.S. DTH satellite television equipment in Canada. While Bell ExpressVu has been successful in increasing its share of the satellite television market despite this competition, there is no assurance that it will continue to do so. Bell ExpressVu faces a loss of revenue resulting from the theft of its services. It is taking numerous actions to reduce these losses, including legal action, investigations, implementing electronic counter-measures targeted at illegal devices, leading information campaigns and developing new technology. Implementing these measures, however, could increase Bell ExpressVu's capital and operating expenses, reduce subscriber growth and increase churn.

28 2004 Quarterly Report Bell Canada Enterprises


BELL GLOBEMEDIA
Dependence on Advertising
A large part of Bell Globemedia's revenue from its television and print businesses comes from advertising revenues. Bell Globemedia's advertising revenues are affected by competitive pressures, including its ability to attract and retain viewers and readers. In addition, the amount spent by advertisers is directly related to economic growth. An economic downturn tends to make it more difficult for Bell Globemedia to maintain or increase revenues. Advertisers have historically been sensitive to general economic cycles and, as a result, Bell Globemedia's business, financial condition and results of operations could be materially and negatively affected by a downturn in the economy. In addition, most of Bell Globemedia's advertising contracts are short-term contracts that the advertiser can cancel on short notice.
Increasing Fragmentation in Television Markets Television advertising revenue largely depends on the number of viewers and the attractiveness of programming in a given market. The viewing market has become increasingly fragmented over the past decade and this trend is expected to continue as new services and technologies increase the choices available to consumers. As a result, there is no assurance that Bell Globemedia will be able to maintain or increase its advertising revenues or its ability to reach or retain viewers with attractive programming.
Revenues From Distributing Television Services A significant portion of revenues from CTV's specialty television operations comes from contractual arrangements with distributors, primarily cable and DTH operators. Many of these contracts have expired. In addition, competition has increased in the specialty television market. As a result, there is no assurance that contracts with distributors will be renewed on equally favourable terms.
Increased Competition for Fewer Print Customers Print advertising revenue largely depends on circulation and readership. The existence of a competing national newspaper and a commuter paper in Toronto has increased competition, while the total circulation and readership of Canadian newspapers has continued to decline. This has resulted in higher costs, more competition in advertising rates and lower profit margins at The Globe and Mail.
Broadcast Licences
Each of CTV's conventional and specialty services operates under licences issued by the CRTC for a fixed term of up to seven years. These licences are subject to the requirements of the Broadcasting Act, the policies and decisions of the CRTC, and the conditions of each licensing or renewal decision, all of which may change. There is no assurance that any of CTV's licences will be renewed. Any renewals, changes or amendments may have a material and negative effect on Bell Globemedia.
TELESAT
Launch and In-Orbit Risks There is a risk that the satellites that Telesat currently has under construction, or satellites built in the future, may not be successfully launched. Telesat normally buys insurance to protect itself against this risk, but there is no assurance that it will be able to get launch coverage for the full value of any satellite proposed to be launched or at a favourable rate.
Once Telesat's satellites are in orbit, there is a risk that a failure could prevent them from completing their commercial mission. Telesat has a number of measures in place to protect itself against this risk. These include engineering satellites with on-board redundancies by including spare equipment on the satellite and buying in-orbit insurance. However, there is no assurance that Telesat will be able to renew its in-orbit insurance with enough coverage or at a favourable rate.

29 2004 Quarterly Report Bell Canada Enterprises


Anik F1 and Anik F1R
In August 2001, the manufacturer of the Anik F1 satellite advised Telesat of a gradual decline in power on the satellite. After investigation, it indicated that power will continue to decline at the rates observed to date. Telesat believes that this will affect some of the satellite's core services in mid-2005.
Telesat has insurance in place to cover the power loss on Anik F1 and filed a claim with its insurers in December 2002. In March 2004, it reached an agreement to settle this claim. The agreement provides for an initial payment in 2004 of U.S.$136.2 million to Telesat. It also provides for an additional payment of U.S.$49.1 million in 2007 if the power on Anik F1 degrades as predicted by the manufacturer. If it does not, the payments (including the U.S.$136.2 million initial payment) will be adjusted by applying a formula that is included in the settlement documents. It is expected that all of the initial payment will be received by the end of the second quarter of 2004.
Telesat has a satellite under construction, Anik F1R, which is expected to replace Anik F1 in time to ensure that service to its customers will not be interrupted. There is no assurance that Telesat will be able to get launch and in-orbit coverage for the Anik F1R satellite, or that if it does get coverage, that it will be for the full value of the satellite or that it will be at a favourable rate. Anik F2
Telesat has another satellite under construction, Anik F2. The manufacturer has delayed delivery of this satellite and, more recently, the launch service provider has indicated that there is potential for a further launch delay. Telesat is currently leasing a satellite to cover these delays. In addition, Telesat is making arrangements for the use of another satellite to cover potential further delays or a potential launch failure of Anik F2. Delays beyond those currently anticipated could require Telesat to refund prepayments to customers and result in additional costs.
Telesat currently has commitments for insurance coverage for approximately 70% of Anik F2's projected book value which expire on August 31, 2004. Telesat is continuing its efforts to obtain more insurance coverage. However, it is likely that Telesat will launch Anik F2 without full value coverage. In the event that Telesat is unable to obtain any additional coverage, the net impact of a launch failure could result in a potential after tax accounting loss estimated to be in the range of $95 million to $100 million. In the event that the launch of Anik F2 is delayed beyond August 31, 2004, there is no assurance that Telesat will be able to get launch insurance coverage for the Anik F2 satellite or that if it does get coverage that it will equate to the existing commitments or be at a favourable rate.

Nimiq 1 and Nimiq 2
Telesat carries in-orbit insurance on Nimiq 1 and Nimiq 2. Nimiq 1 is insured for its book value. Telesat expects to renew the in-orbit insurance for Nimiq 1 in 2004, but there is no assurance that it will be able to obtain coverage or, if it does, that it will be for the full value of the satellite or at a favourable rate.
Following a partial failure and a successful insurance claim on Nimiq 2 in 2003, Telesat arranged for in-orbit insurance for approximately 50% of the residual value of Nimiq 2.
CGI
Long Sales Cycle for Major Outsourcing Contracts The average sales cycle for large outsourcing contracts typically ranges from 6 to 18 months, with some extending over 24 months. If current market conditions prevail or worsen, the average sales cycle could become even longer, thus affecting CGI's ability to meet its growth targets.

30 2004 Quarterly Report Bell Canada Enterprises


Foreign Currency Risks
CGI's increased international business volume could expose CGI to greater foreign currency exchange risks, which could adversely impact its operating results. CGI has a hedging strategy in place to protect itself, to the extent possible, against foreign currency exposure.
BCE EMERGIS
Adoption of e-Business
The success of BCE Emergis depends on widespread use of the Internet and other electronic networks as a way to do business. Because eBusiness and related activities, such as online transactions, are relatively new and evolving, it is difficult to predict the size of this market and its sustainable rate of growth. Businesses and customers have not adopted eBusiness as quickly as originally expected.
BCE Emergis must increase the number of transactions it processes to build recurring revenue. This depends on how quickly its customers and its distributors' customers adopt its services. It also depends on BCE Emergis' ability to build an effective sales force, stimulate sales from distributors and influence their marketing plans. A significant decrease in the number of transactions that BCE Emergis processes could have a material and negative effect on its results. Other Risks
BCE Emergis relies on strategic relationships to increase its customer base. If these relationships fail, its business and operating results could be materially and negatively affected. In addition, if BCE Emergis is unable to protect the physical and electronic security, and privacy, of applications, data bases and transactions, its business and customer relationships could be materially and negatively affected. Furthermore, defects in software products, failures or mistakes in processing electronic transactions, developments in cryptography technology and failure to enforce its intellectual property or prevent other parties from duplicating or designing around it may materially and negatively affect BCE Emergis' business and operating results.

Our Accounting Policies
We have prepared our consolidated financial statements according to Canadian GAAP. See Note 1 to the consolidated financial statements for more information about the accounting principles we used to prepare our financial statements.
The key estimates and assumptions that management has made under these principles and their impact on the amounts reported in the financial statements and notes remain substantially unchanged from those described in the BCE 2003 MD&A.
We have not had any changes in the accounting standards or our accounting policies other than those described in the BCE 2003 MD&A.

31 2004 Quarterly Report Bell Canada Enterprises


   Consolidated Financial Statements
   ---------------------------------




                 Consolidated Statements of Operations
                 -------------------------------------------------------------------
                 For the three months ended March 31 (in           2004       2003
                 $ millions, except share amounts) (unaudited)
                 -------------------------------------------------------------------
                 Operating revenues                               4,697      4,676
                 -------------------------------------------------------------------
                 Operating expenses                              (2,852 )   (2,903 )
                 Amortization expense                              (775 )     (762 )
                 Net benefit plans cost (Note 4)                    (63 )      (42 )
                 Restructuring and other charges                     (1 )        -
                 -------------------------------------------------------------------
                 Total operating expenses                        (3,691 )   (3,707 )
                 -------------------------------------------------------------------
                 Operating income                                 1,006        969
                 Other income                                        34         51
                 Interest expense                                  (248 )     (278 )
                 -------------------------------------------------------------------
                 Earnings from continuing operations before
                 income taxes and non-controlling interest          792        742
                 Income taxes                                      (269 )     (240 )
                 Non-controlling interest                           (44 )      (38 )
                 -------------------------------------------------------------------
                 Earnings from continuing operations                479        464
                 Discontinued operations                              9          9
                 -------------------------------------------------------------------
                 Net earnings                                       488        473
                 Dividends on preferred shares                      (18 )      (15 )
                 Premium on redemption of preferred shares            -         (7 )
                 -------------------------------------------------------------------
                 Net earnings applicable to common shares           470        451
                 -------------------------------------------------------------------
                 Net earnings per common share - basic
                     Continuing operations                         0.50       0.48
                     Discontinued operations                       0.01       0.02
                     Net earnings                                  0.51       0.50
                 Net earnings per common share - diluted
                     Continuing operations                         0.50       0.48
                     Discontinued operations                       0.01       0.02
                     Net earnings                                  0.51       0.50
                 Dividends per common share                        0.30       0.30
                 Average number of common shares outstanding -    924.1      917.1
                 basic (millions)
                 -------------------------------------------------------------------




                 Consolidated Statements of Deficit
                 -----------------------------------------------------------------------------------
                 For the three months ended March 31 (in $ millions)               2004       2003
                 (unaudited)
                 -----------------------------------------------------------------------------------
                 Balance at beginning of period, as previously reported          (5,830 )   (6,435 )
                 Accounting policy change for asset retirement obligations           (7 )       (7 )
                 (Note 1)
                 -----------------------------------------------------------------------------------
                 Balance at beginning of period, as restated                     (5,837 )   (6,442 )
                     Net earnings                                                   488        473
                     Dividends          - Preferred shares                          (18 )      (15 )
                                        - Common shares                            (277 )     (275 )
                 -----------------------------------------------------------------------------------
                                                                                   (295 )     (290 )
                     Premium on redemption of preferred shares                        -         (7 )
                     Other                                                           (1 )        1
                 -----------------------------------------------------------------------------------
                 Balance at end of period                                        (5,645 )   (6,265 )
                 -----------------------------------------------------------------------------------

32 2004 Quarterly Report Bell Canada Enterprises


                 Consolidated Balance Sheets
                 -------------------------------------------------------------------------------------------
                                                                          March 31            December 31
                 (in $ millions) (unaudited)                                  2004                   2003
                 -------------------------------------------------------------------------------------------
                 ASSETS
                 Current assets
                     Cash and cash equivalents (1)                           1,511                    714
                     Accounts receivable                                     2,283                  2,077
                     Other current assets                                      882                    745
                     Current assets of discontinued operations                   -                     45
                 -------------------------------------------------------------------------------------------
                 Total current assets                                        4,676                  3,581
                 Capital assets                                             20,932                 21,195
                 Other long-term assets                                      3,559                  3,550
                 Indefinite-life intangible assets                           2,910                  2,910
                 Goodwill                                                    7,875                  7,825
                 Non-current assets of discontinued operations                  55                    276
                 -------------------------------------------------------------------------------------------
                 Total assets                                               40,007                 39,337
                 -------------------------------------------------------------------------------------------
                 LIABILITIES
                 Current liabilities
                     Accounts payable and accrued liabilities                3,759                  3,691
                     Debt due within one year                                1,171                  1,537
                     Current liabilities of discontinued                         -                     27
                 operations
                 -------------------------------------------------------------------------------------------
                 Total current liabilities                                   4,930                  5,255
                 Long-term debt                                             13,126                 12,393
                 Other long-term liabilities                                 4,774                  4,713
                 -------------------------------------------------------------------------------------------
                 Total liabilities                                          22,830                 22,361
                 -------------------------------------------------------------------------------------------
                 Non-controlling interest                                    3,385                  3,403
                 -------------------------------------------------------------------------------------------
                 SHAREHOLDERS' EQUITY
                 Preferred shares                                            1,670                  1,670
                 -------------------------------------------------------------------------------------------
                 Common shareholders' equity
                     Common shares                                          16,753                 16,749
                     Contributed surplus                                     1,045                  1,037
                     Deficit                                                (5,645 )               (5,837 )
                     Currency translation adjustment                           (31 )                  (46 )
                 -------------------------------------------------------------------------------------------
                 Total common shareholders' equity                          12,122                 11,903
                 -------------------------------------------------------------------------------------------
                 Total shareholders' equity                                 13,792                 13,573
                 -------------------------------------------------------------------------------------------
                 Total liabilities and shareholders' equity                 40,007                 39,337
                 -------------------------------------------------------------------------------------------


(1) Cash and cash equivalents of $1,511 million at March 31, 2004 included $66 million of restricted cash. This amount represented a private placement by BCE Inc. in CGI Group Inc. (CGI) of approximately 8.3 million subscription receipts which were automatically exchanged for CGI Class A subordinate shares in May 4, 2004.

33 2004 Quarterly Report Bell Canada Enterprises


                 Consolidated Statements of Cash Flows
                 -------------------------------------------------------------------
                 For the three months ended March 31 (in           2004       2003
                 $ millions) (unaudited)
                 -------------------------------------------------------------------
                 Cash flows from operating activities
                 Earnings from continuing operations                479        464
                 Adjustments to reconcile earnings from
                 continuing operations to cash flows from
                 operating activities:

                     Amortization expense                           775        762
                     Net benefit plans cost                          63         42
                     Future income taxes                             61        (20 )
                     Non-controlling interest                        44         38
                     Contributions to employee pension plans        (29 )       (6 )
                     Other employee future benefit plan             (24 )      (21 )
                 payments
                     Other                                           40         44
                     Changes in non-cash working capital           (166 )     (146 )
                 -------------------------------------------------------------------
                                                                  1,243      1,157
                 -------------------------------------------------------------------
                 Cash flows from investing activities
                 Capital expenditures                              (688 )     (594 )
                 Business acquisitions                              (81 )      (63 )
                 Business dispositions                               16          -
                 Decrease in investments accounted for under          6          7
                 the cost and equity methods
                 Other                                               20        (40 )
                 -------------------------------------------------------------------
                                                                   (727 )     (690 )
                 -------------------------------------------------------------------
                 Cash flows from financing activities
                 Increase (decrease) in notes payable and bank       19       (113 )
                 advances
                 Issue of long-term debt                          1,326      1,792
                 Repayment of long-term debt                       (939 )     (366 )
                 Issue of common shares                               4          5
                 Issue of preferred shares                            -        510
                 Redemption of preferred shares                       -       (357 )
                 Issue of equity securities by subsidiaries to        7         73
                 non-controlling interest
                 Redemption of equity securities by                 (43 )      (19 )
                 subsidiaries from non-controlling interest
                 Cash dividends paid on common and preferred       (299 )     (268 )
                 shares
                 Cash dividends paid by subsidiaries to             (42 )      (44 )
                 non-controlling interest
                 Other                                              (48 )       (2 )
                 -------------------------------------------------------------------
                                                                    (15 )    1,211
                 -------------------------------------------------------------------
                 Cash provided by continuing operations             501      1,678
                 Cash provided by discontinued operations           288          4
                 -------------------------------------------------------------------
                 Net increase in cash and cash equivalents          789      1,682
                 Cash and cash equivalents at beginning of          722        306
                 period
                 -------------------------------------------------------------------
                 Cash and cash equivalents at end of period       1,511      1,988
                 -------------------------------------------------------------------
                 Consists of:
                     Cash and cash equivalents of continuing      1,511      1,941
                 operations
                     Cash and cash equivalents of discontinued        -         47
                 operations
                 -------------------------------------------------------------------
                 Total                                            1,511      1,988
                 -------------------------------------------------------------------

34 2004 Quarterly Report Bell Canada Enterprises


----------------------------------- Notes to Consolidated Financial Statements

The interim consolidated financial NOTE 1. SIGNIFICANT ACCOUNTING POLICIES statements should be read in We have prepared the consolidated financial statements in conjunction with the annual accordance with Canadian generally accepted accounting consolidated financial statements principles (GAAP) using the same basis of presentation and for the year ended December accounting policies as outlined in Note 1 to the annual 31, 2003, on pages 64 to 101 of consolidated financial statements for the year ended December BCE Inc.'s 2003 annual report. 31, 2003, except as noted below.

Change in accounting policy
These notes are unaudited. Effective January 1, 2004, we retroactively adopted section 3110 of the CICA Handbook, Asset retirement obligations. As a All amounts are in millions of result, we restated the comparative figures. The impact on our Canadian dollars, except where consolidated statement of operations for the three months ended noted. March 31, 2004 and prior periods was negligible. At December 31, 2003, this resulted in:
We, us, our and BCE mean BCE Inc., º an increase of $6 million in capital assets its subsidiaries and joint º an increase of $17 million in other long-term liabilities ventures. º a decrease of $4 million in future income tax liabilities
º an increase of $7 million in the deficit. Comparative figures We have reclassified some of the figures for the comparative period in the consolidated financial statements to make them consistent with the current period's presentation. Stock-based compensation plans Starting in 2004, we made a number of changes to the key features in our stock-based compensation plans, which included transferring approximately 50% of the value of the long-term incentive plan, where stock options are granted, into a new mid-term plan under which restricted share units (RSUs) are used. We record compensation expense for each RSU granted equal to the market value of a BCE Inc. common share at the date of grant prorated over the vesting period. The compensation expense will be adjusted for future changes in the market value of BCE Inc. common shares until the vesting date. The cumulative effect of the change will be recognized in the period of the change. Subject to compliance with individual share ownership requirements, vested RSUs will be paid in BCE Inc. common shares purchased on the open market or in cash.
NOTE 2. SEGMENTED INFORMATION
Starting in the first quarter of 2004, we report our results of operations under five segments: Consumer, Business, Aliant, Other Bell Canada and Other BCE. Our reporting structure reflects how we manage our business and how we classify our operations for planning and measuring performance.
The Consumer segment provides local telephone, long
distance, wireless, Internet access, video and other services
to Bell Canada's residential customers mainly in Ontario and
Qubec. Wireless services are also offered in Western Canada and
video services are provided nationwide.
The Business segment provides local telephone, long
distance, wireless, data, including Internet access, and other
services to Bell Canada's small and medium-sized businesses
(SMB) and enterprise customers in Ontario and Qubec as well as
business customers in Western Canada through Bell West Inc.
(Bell West).
The Aliant segment provides local telephone, long
distance, wireless, data, including Internet access and other
services to residential and business customers in Atlantic
Canada and represents the operations of our subsidiary,
Aliant Inc. (Aliant).
The Other Bell Canada segment includes Bell Canada's
wholesale business, and the financial results of Tlbec Limited
Partnership (Tlbec), Northern Telephone Limited Partnership
(Northern Telephone) and Northwestel Inc. (Northwestel). Our
wholesale unit provides local telephone, long distance, data
and other services to competitors who resell these services.
Tlbec, Northern Telephone and Northwestel provide
telecommunications services to less-populated areas in Qubec,
Ontario and Canada's northern territories.
The Other BCE segment includes the financial results of
our other media, satellite, information technology (IT) and
e-business activities as well as the costs incurred by our
corporate office. This segment includes Bell Globemedia Inc.
(Bell Globemedia), Telesat Canada (Telesat), CGI Group Inc.
(CGI) and BCE Emergis Inc. (BCE Emergis).

35 2004 Quarterly Report Bell Canada Enterprises


NOTE 2. SEGMENTED INFORMATION (continued)


For the three months ended March 31 2004 2003
Operating revenues
Consumer External 1,807 1,712 Inter-segment 18 17
1,825 1,729
Business External 1,360 1,360 Inter-segment 75 61
1,435 1,419
Aliant External 464 464 Inter-segment 40 37

504 501
Other Bell Canada External 438 520 Inter-segment 36 32

474 552
Inter-segment eliminations (132 ) (118 )
Bell Canada 4,106 4,083

Other BCE External 628 622 Inter-segment 99 100

727 722
Inter-segment eliminations (136 ) (129 )
Total operating revenues 4,697 4,676

Operating Income
Consumer 526 493 Business 241 190 Aliant 82 81 Other Bell Canada 111 162
Bell Canada 960 926 Other BCE 46 43
Total operating income 1,006 969 Other income 34 51 Interest expense (248 ) (278 ) Income taxes (269 ) (240 ) Non-controlling interest (44 ) (38 )
Earnings from continuing operations 479 464

36 2004 Quarterly Report Bell Canada Enterprises


NOTE 3. STOCK-BASED COMPENSATION PLANS
RSUs
During the first quarter of 2004, 1,833,276 RSUs were granted. We recorded compensation expense of $4 million.

BCE Inc. stock options
The table below is a summary of the status of BCE Inc.s stock option programs.


Weighted average Number exercise of shares price ($)

Outstanding, January 1, 2004 24,795,545 $32 Granted 5,394,776 $30 Exercised (217,491 ) $15 Expired/forfeited (307,413 ) $33

Outstanding, March 31, 2004 29,665,417 $32

Exercisable, March 31, 2004 13,849,767 $34

Teleglobe stock options The table below is a summary of the status of Teleglobes stock option programs.


Weighted Number of average BCE Inc. exercise shares price ($)

Outstanding, January 1, 2004 955,175 $21 Exercised (23,572 ) $16
Outstanding and exercisable, 931,603 $22 March 31, 2004


Assumptions used in stock-option pricing model The table below shows the assumptions used to determine stock-based compensation expense using the Black-Scholes option pricing model.


For the three months ended March 31 2004 2003
Compensation cost (in $ millions) 8 8 Number of stock options granted 5,394,776 5,351,051 Weighted average fair value per option granted ($) 3 6 Assumptions
Dividend yield 4.0% 3.6% Expected volatility 27% 30% Risk-free interest rate 3.1% 4.1% Expected life (years) 3.5 4.5

37 2004 Quarterly Report Bell Canada Enterprises


NOTE 4. EMPLOYEE BENEFIT PLANS
The table below shows the components of net benefit plans cost.


Pension benefits Other benefits For the three months ended 2004 2003 2004 2003 March 31

Current service cost 60 56 8 8 Interest cost on accrued 201 188 26 26 benefit obligation
Expected return on plan (237 ) (235 ) (2 ) (2 ) assets
Amortization of past 2 2 - - service costs
Amortization of net 8 6 - - actuarial losses
Amortization of
transitional (asset) (11 ) (11 ) 7 7 obligation
Increase (decrease) in 1 (3 ) - - valuation allowance

Net benefit plans cost 24 3 39 39

The table below shows the amounts we contributed to the pension benefit plans and the payments made to beneficiaries under other employee future benefit plans.


Pension benefits Other benefits For the three months ended March 31 2004 2003 2004 2003

Aliant 19 3 1 1 Bell Canada 5 1 23 20 Bell Globemedia 3 1 - - BCE Inc. 2 1 - -

Total 29 6 24 21

38 2004 Quarterly Report Bell Canada Enterprises



[[Image Removed]]

BCE Inc. This document has been filed by For further information 1000, rue de La BCE Inc. with Canadian concerning the Dividend Gauchetire Ouest securities commissions and the Reinvestment and Stock Bureau 3700 U.S. Securities and Exchange Purchase Plan (DRP), Montral (Qubec) Commission. It can also be found direct deposit of H3B 4Y7 on BCE Inc.'s Web site at dividend payments, the www.bce.ca www.bce.ca or is available upon elimination of multiple Communications request from: mailings or the receipt e-mail:bcecomms@bce.ca Investor Relations of quarterly reports, tel: 1 888 932-6666 e-mail:investor.relations@bce.ca please contact:
fax: (514) 870-4385 tel: 1 800 339-6353 Computershare Trust fax: (514) 786-3970 Company of Canada 100 University Avenue, 9th Floor, Toronto, Ontario M5J 2Y1 tel: (514) 982-7555 or 1 800 561-0934 fax: (416) 263-9394 for 1 888 453-0330 e-mail:

bce@computershare.com
[[Image Removed]] PRINTED IN CANADA
04-05 BCE-1E


[[Image Removed]]

For further information, contact
BCE Investor Relations

Sophie Argiriou 514-786-8145 sophie.argiriou@bell.ca George Walker 514-870-2488 george.walker@bell.ca Roland Ribotti 514-870-9034 roland.ribotti@bell.ca



[[Image Removed]]

                                                             BCE Consolidated(1)
                                                   Consolidated Operational Data

                                                Q1         Q1
($ millions, except per share amounts)        2004       2003       $ change   % change
-----------------------------------------------------------------------------------------

Operating revenues                           4,697      4,676             21       0.4%
Operating expenses                          (2,852 )   (2,903 )           51       1.8%
                                          -----------------------------------------------
EBITDA(2)                                    1,845      1,773             72       4.1%
EBITDA margin                                39.3%      37.9%                  1.4 pts.
Amortization expense                          (775 )     (762 )          (13 )    (1.7% )
Net benefit plans cost                         (63 )      (42 )          (21 )   (50.0% )
Restructuring and other charges                 (1 )        -             (1 )     n.m.
                                          -----------------------------------------------
Operating income                             1,006        969             37       3.8%
Other income                                    34         51            (17 )   (33.3% )
Interest expense                              (248 )     (278 )           30      10.8%
                                          -----------------------------------------------
Earnings from continuing operations
before
     income taxes and non-controlling          792        742             50       6.7%
interest
Income taxes                                  (269 )     (240 )          (29 )   (12.1% )
Non-controlling interest                       (44 )      (38 )          (6)     (15.8% )
                                          -----------------------------------------------
Earnings from continuing operations            479        464             15       3.2%
Discontinued operations                          9          9              -       0.0%
                                          -----------------------------------------------
Net earnings                                   488        473             15       3.2%
Dividends on preferred shares                  (18 )      (15 )           (3 )   (20.0% )
Premium on redemption of preferred shares        -         (7 )            7       n.m.
                                          -----------------------------------------------
Net earnings applicable to common shares       470        451             19       4.2%
-----------------------------------------------------------------------------------------
Net earnings per common share - basic
     Continuing operations                $   0.50   $   0.48   $       0.02       4.2%
     Discontinued operations              $   0.01   $   0.02   $      (0.01 )   (50.0% )
     Net earnings                         $   0.51   $   0.50   $       0.01       2.0%
Net earnings per common share - diluted
     Continuing operations                $   0.50   $   0.48   $       0.02       4.2%
     Discontinued operations              $   0.01   $   0.02   $      (0.01 )   (50.0% )
     Net earnings                         $   0.51   $   0.50   $       0.01       2.0%
Dividends per common share                $   0.30   $   0.30   $          -       0.0%
Average number of common shares              924.1      917.1
outstanding - basic (millions)
-----------------------------------------------------------------------------------------


The following items are included in net earnings:
Net gains on sale of investments and dilution gains Continuing operations - - Discontinued operations 6 - Total 6 - Impact on net earnings per share $ 0.01 $ -

n.m. : not meaningful

BCE Inc. Supplementary Financial Information - First Quarter 2004 Page 2


[[Image Removed]]

BCE Consolidated(1) Consolidated Operational Data - Historical Trend

                                                Total
($ millions, except per share       Q1 04        2003      Q4 03      Q3 03      Q2 03      Q1 03
amounts)
------------------------------------------- ----------- -------------------------------------------

Operating revenues                  4,697      18,972      4,875      4,688      4,733      4,676
Operating expenses                 (2,852 )   (11,546 )   (3,021 )   (2,789 )   (2,833 )   (2,903 )
                                 ---------- ----------- -------------------------------------------
EBITDA(2)                           1,845       7,426      1,854      1,899      1,900      1,773
EBITDA margin                       39.3%       39.1%      38.0%      40.5%      40.1%      37.9%
Amortization expense                 (775 )    (3,147 )     (786 )     (813 )     (786 )     (762 )
Net benefit plans cost                (63 )      (175 )      (46 )      (44 )      (43 )      (42 )
Restructuring and other charges        (1 )       (52 )      (51 )       (1 )        -          -
                                 ---------- ----------- -------------------------------------------
Operating income                    1,006       4,052        971      1,041      1,071        969
Other income                           34         213        136         19          7         51
Interest expense                     (248 )    (1,093 )     (263 )     (267 )     (285 )     (278 )
                                 ---------- ----------- -------------------------------------------
Earnings from continuing
operations before
     income taxes and                 792       3,172        844        793        793        742
non-controlling interest
Income taxes                         (269 )    (1,136 )     (340 )    (285)       (271 )     (240 )
Non-controlling interest              (44 )      (191 )      (46 )      (50 )      (57 )      (38 )
                                 ---------- ----------- -------------------------------------------
Earnings from continuing              479       1,845        458        458        465        464
operations
Discontinued operations                 9         (30 )      (58 )        6         13          9
                                 ---------- ----------- -------------------------------------------
Net earnings                          488       1,815        400        464        478        473
Dividends on preferred shares         (18 )       (64 )      (14 )      (18 )      (17 )      (15 )
Premium on redemption of                -          (7 )        -          -          -         (7 )
preferred shares
                                 ---------- ----------- -------------------------------------------
Net earnings applicable to            470       1,744        386        446        461        451
common shares
------------------------------------------- ----------- -------------------------------------------
Net earnings per common share -
basic
     Continuing operations       $   0.50   $    1.93   $   0.48   $   0.48   $   0.49   $   0.48
     Discontinued operations     $   0.01   $   (0.03 ) $  (0.07 ) $   0.01   $   0.01   $   0.02
     Net earnings                $   0.51   $    1.90   $   0.41   $   0.49   $   0.50   $   0.50
Net earnings per common share -
diluted
     Continuing operations       $   0.50   $    1.92   $   0.48   $   0.47   $   0.49   $   0.48
     Discontinued operations     $   0.01   $   (0.03 ) $  (0.07 ) $   0.01   $   0.01   $   0.02
     Net earnings                $   0.51   $    1.89   $   0.41   $   0.48   $   0.50   $   0.50
Dividends per common share       $   0.30   $    1.20   $   0.30   $   0.30   $   0.30   $   0.30
Average number of common shares     924.1       920.3      923.4      921.5      919.3      917.1
outstanding - basic (millions)
------------------------------------------- ----------- -------------------------------------------


The following items are included
in net earnings:
Net gains on sale of
investments and dilution gains
Continuing operations - 84 84 - - - Discontinued 6 (65 ) (73 ) 8 - - operations
Restructuring and other - (24 ) (30 ) 6 - - charges

Total 6 (5 ) (19 ) 14 - - Impact on net earnings per share $ 0.01 $ - $ (0.01 ) $ 0.01 $ - $ -

BCE Inc. Supplementary Financial Information - First Quarter 2004 Page 3


[[Image Removed]]

BCE Consolidated(1) Segmented Data

Q1 Q1
($ millions, except where otherwise 2004 2003 $ change % change indicated)

Revenues
Consumer 1,825 1,729 96 5.6% Business 1,435 1,419 16 1.1% Aliant 504 501 3 0.6% Other Bell Canada 474 552 (78 ) (14.1% ) Inter-segment eliminations (132 ) (118 ) (14 ) (11.9% ) Total Bell Canada 4,106 4,083 23 0.6% Other BCE
Bell Globemedia 342 335 7 2.1% Advertising 249 235 14 6.0% Subscriber 74 74 - 0.0% Production and Sundry 19 26 (7 ) (26.9% ) Telesat 84 79 5 6.3% CGI 220 219 1 0.5% BCE Emergis 70 79 (9 ) (11.4% ) Other 11 10 1 10.0% Total Other BCE 727 722 5 0.7% Inter-segment eliminations (136 ) (129 ) (7 ) (5.4% ) Total revenues 4,697 4,676 21 0.4%


Operating income
Consumer 526 493 33 6.7% Business 241 190 51 26.8% Aliant 82 81 1 1.2% Other Bell Canada 111 162 (51 ) (31.5% ) Total Bell Canada 960 926 34 3.7% Other BCE
Bell Globemedia 40 19 21 n.m. Telesat 31 32 (1 ) (3.1% ) CGI 21 22 (1 ) (4.5% ) BCE Emergis (5 ) (12 ) 7 58.3% Other (41 ) (18 ) (23 ) n.m.

Total Other BCE 46 43 3 7.0%
Total Operating income 1,006 969 37 3.8%

Capital expenditures(3)
Consumer 262 208 (54 ) (26.0% ) Business 197 193 (4 ) (2.1% ) Aliant 85 71 (14 ) (19.7% ) Other Bell Canada 46 62 16 25.8% Total Bell Canada 590 534 (56 ) (10.5% ) Other BCE
Telesat 65 36 (29 ) (80.6% ) Other 33 24 (9 ) (37.5% ) Total capital expenditures 688 594 (94 ) (15.8%)


BCE Inc. Supplementary Financial Information - First Quarter 2004 Page

4


[[Image Removed]]

BCE Consolidated(1) Segmented Data - Historical Trend

Total ($ millions, except where Q1 04 2003 Q4 03 Q3 03 Q2 03 Q1 03 otherwise indicated)


Revenues
Consumer 1,825 7,203 1,868 1,838 1,768 1,729 Business 1,435 5,839 1,516 1,440 1,464 1,419 Aliant 504 2,059 527 514 517 501 Other Bell Canada 474 2,003 468 478 505 552 Inter-segment eliminations (132 ) (490 ) (133 ) (115 ) (124 ) (118 ) Total Bell Canada 4,106 16,614 4,246 4,155 4,130 4,083 Other BCE
Bell Globemedia 342 1,363 375 296 357 335 Advertising 249 978 283 201 259 235 Subscriber 74 291 69 73 75 74 Production and Sundry 19 94 23 22 23 26 Telesat 84 345 99 84 83 79
CGI 220 849 211 205 214 219
BCE Emergis 70 316 77 78 82 79 Other 11 51 15 13 13 10 Total Other BCE 727 2,924 777 676 749 722 Inter-segment eliminations (136 ) (566 ) (148 ) (143 ) (146 ) (129 ) Total revenues 4,697 18,972 4,875 4,688 4,733 4,676


Operating income
Consumer 526 1,985 471 552 469 493 Business 241 785 199 193 203 190 Aliant 82 415 108 104 122 81 Other Bell Canada 111 651 152 163 174 162 Total Bell Canada 960 3,836 930 1,012 968 926 Other BCE
Bell Globemedia 40 167 66 20 62 19 Telesat 31 124 33 28 31 32
CGI 21 91 22 23 24 22
BCE Emergis (5 ) (69 ) (42 ) (8 ) (7 ) (12 ) Other (41 ) (97 ) (38 ) (34 ) (7 ) (18 )

Total Other BCE 46 216 41 29 103 43
Total Operating Income 1,006 4,052 971 1,041 1,071 969

Capital expenditures(3)
Consumer 262 1,287 485 307 287 208 Business 197 936 286 228 229 193 Aliant 85 333 97 92 73 71 Other Bell Canada 46 336 123 81 70 62 Total Bell Canada 590 2,892 991 708 659 534 Other BCE
Telesat 65 159 43 64 16 36 Other 33 128 49 22 33 24 Total capital expenditures 688 3,179 1,083 794 708 594


BCE Inc. Supplementary Financial Information - First Quarter 2004 Page 5


[[Image Removed]]

BCE Consolidated Consolidated Balance Sheet Data

March 31 December 31 ($ millions, except where otherwise indicated) 2004 2003
ASSETS
Current assets
Cash and cash equivalents 1,511 714 Accounts receivable 2,283 2,077 Other current assets 882 745 Current assets of discontinued operations - 45 Total current assets 4,676 3,581 Capital assets 20,932 21,195 Other long-term assets 3,559 3,550 Indefinite-life intangible assets 2,910 2,910 Goodwill 7,875 7,825 Non-current assets of discontinued operations 55 276 Total assets 40,007 39,337
LIABILITIES
Current liabilities
Accounts payable and accrued liabilities 3,759 3,691 Debt due within one year 1,171 1,537 Current liabilities of discontinued operations - 27 Total current liabilities 4,930 5,255 Long-term debt 13,126 12,393 Other long-term liabilities 4,774 4,713 Total liabilities 22,830 22,361 Non-controlling interest 3,385 3,403 SHAREHOLDERS' EQUITY
Preferred shares 1,670 1,670 Common shareholders' equity
Common shares 16,753 16,749 Contributed surplus 1,045 1,037 Deficit (5,645 ) (5,837 ) Currency translation adjustment (31 ) (46 ) Total common shareholders' equity 12,122 11,903 Total shareholders' equity 13,792 13,573 Total liabilities and shareholders' equity 40,007 39,337

Number of common shares outstanding 924.2 924.0


Key ratios

Net debt : Total Capitalization 42.7% 43.8% Net debt : Trailing 12 month EBITDA 1.71 1.78 EBITDA : Interest (trailing 12 month) 7.05 6.79

BCE Inc. Supplementary Financial Information - First Quarter 2004 Page 6


[[Image Removed]]

BCE Consolidated Consolidated Cash Flow Data

                                                           Q1           Q1
    ($ millions, except where otherwise indicated)       2004         2003     $ change
    ------------------------------------------------------------------------   ----------
    Cash flows from operating activities
         Earnings from continuing operations              479          464           15
         Adjustments to reconcile earnings from
    continuing
            operations to cash flows from
    operating activities:
            Amortization expense                          775          762           13
            Net benefit plans cost                         63           42           21
            Future income taxes                            61          (20 )         81
            Non-controlling interest                       44           38            6
            Contributions to employee benefit             (53 )        (27 )        (26 )
    plans and other benefit plan payments
            Other                                          40           44           (4 )
            Change in non-cash working capital           (166 )       (146 )        (20 )
                                                     ----------   ----------   ----------
                                                        1,243        1,157           86
    ------------------------------------------------------------------------   ----------
         Capital expenditures                            (688 )       (594 )        (94 )
         Other investing items                             20          (40 )         60
         Cash preferred dividends and cash
    dividends paid by subsidiaries
            to non-controlling interest                   (64 )        (55 )         (9 )
    ------------------------------------------------------------------------   ----------

    Free Cash Flow from operations, before common         511          468           43
    dividends(2)
         Cash common dividends                           (277 )       (257 )        (20 )
                                                     ----------   ----------   ----------
    Free Cash Flow from operations, after common          234          211           23
    dividends(2)
         Business acquisitions                            (81 )        (63 )        (18 )
         Business dispositions                             16            -           16
         Decrease in investments accounted for              6            7           (1 )
    under the cost and equity methods
                                                     ----------   ----------   ----------
    Free Cash Flow after investments and                  175          155           20
    divestitures
                                                     ----------   ----------   ----------

    Other financing activities