Our annual report aims to provide our shareholders, customers and employees with an overview of the year. It describes how our businesses performed in 2002, along with an outline of the decisive steps we took to strengthen our franchise and position the Bank for renewed growth and performance going forward.

Most importantly, the report reaffirms our guiding principle – to be customer driven. We are building a better bank, providing our customers with a more comfortable experience wherever and however they interact with us. Our strategies support this principle, while building on our significant strengths.