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Cover page Contents Financial Summary Message from the Chairman of the Board Economy Competition in the Commercial Banking System -Review of Bank Operations Performance in 2004 -Highlights in 2004 -Innovations and New product Developments -Branch Development -Organizational Restructuring -Human Resource Development -Risk Management -Social Contributions -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 , 2004 2004 Profit Summary -Registration and Shareholders Structure Organization and Management -Organization Chart -Board of Directors -Executive Officers -Management Directory Referral Parties Rear page
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