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Cover page Contents Financial Summary Message from the Chairman of the Board Economy Competition in the Commercial Banking System Performance in 2005 -Review of Bank Operation -Highlights in 2005 -Innovation and New Product Development -Branch Development -Organizational Restructuring -Human Resources Development -Risk Management -Social Contribution -Subsidiaries, Associated and Related Companies -Income Structure of the Bank, Subsidiaries and Associated Companies Report of the Audit Committee Financial Statements : Year Ended December 31, 2005 2005 Profit Summary Organization and Management -Registration and Shareholders' Structure -Organization Chart -Board of Directors -Executive Officers -Management Directory Referral Parties Rear page
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