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FORTUNE GLOBAL 500 DATABANK

BANKING & FINANCE

Fortune Global 500 Banking & Finance

Part of Research Bank's Company Profiling Series

February 2006

Research Bank

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© 2005 Research Bank All rights reserved. All information contained in this publication is copyrighted in the name of Research Bank, and as such no part of this publication may be reproduced, repackaged, redistributed, resold in whole or in any part, or used in any form or by any means graphic, electronic or mechanical, including photocopying, recording, taping, or by information storage or retrieval, or by any other means, without the express written consent of the publisher.

DISCLAIMER All information contained in this publication has been researched and compiled from sources believed to be accurate and reliable at the time of publishing. However, in view of the natural scope for human and/or mechanical error, either at source or during production, Research Bank accepts no liability whatsoever for any loss or damage resulting from errors, inaccuracies or omissions affecting any part of the publication. All information is provided without warranty, and Research Bank makes no representation of warranty of any kind as to the accuracy or completeness of any information hereto contained.

About this report and Research Bank

This report provides company profiles for Fortune Global 5001 companies active in the Banking & Financial sector. The companies that fall within this sector and their respective country and regional location are as follows:· · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · ABN AMRO Holding NV Agricultural Bank of China Algemene Maatschappij voor Nijverheidskrediet NV American Express Company Australia & New Zealand Banking Group Limited Banca Intesa SpA Banco Bilbao Vizcaya Argentaria SA Banco Bradesco SA Banco do Brasil SA Banco Santander Central Hispano Bank of America Corporation Bank of China Limited Bank of Nova Scotia (The) Barclays plc Bayerische Hypo- und Vereinsbank Aktiengesellschaft Bayerische Landesbank BNP Paribas (Groupe) Canadian Imperial Bank of Commerce China Construction Bank Citigroup Inc Commerzbank AG Commonwealth Bank of Australia Countrywide Financial Corporation Credit Agricole SA Credit Suisse Group Danske Bank Aktieselskab Deutsche Bank AG Dexia SA DZ BANK AG Eurohypo AG Freddie Mac General Electric Company Groupe Caisse d'Epargne HBOS plc HSBC Holdings plc Industrial & Commercial Bank of China ING Group JPMorgan Chase & Co Kreditanstalt für Wiederaufbau Landesbank Baden-Württemberg Lehman Brothers Holdings Inc Lloyds TSB Group Plc Mitsubishi Tokyo Financial Group Inc Mizuho Financial Group Inc Netherlands China Belgium United States Australia Italy Spain Brazil Brazil Spain United States China Canada United Kingdom Germany Germany France Canada China United States Germany Australia United States France Switzerland Denmark Germany Belgium Germany Germany United States United States France United Kingdom United Kingdom China Netherlands United States Germany Germany United States United Kingdom Japan Japan Europe Asia Pacific Europe North America Asia Pacific Europe Europe Latin America Latin America Europe North America Asia Pacific North America Europe Europe Europe Europe North America Asia Pacific North America Europe Asia Pacific North America Europe Europe Europe Europe Europe Europe Europe North America North America Europe Europe Europe Asia Pacific Europe North America Europe Europe North America Europe Asia Pacific Asia Pacific

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Fortune Global 500 is a registered trademark of Times Warner Incorporated

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National Australia Bank Limited Nordea Bank AB Old Mutual plc Rabobank Group Royal Bank of Canada Royal Bank of Scotland Group plc (The) Sanpaolo IMI SpA Societe Generale Sumitomo Mitsui Financial Group Teachers Insurance and Annuity Association - College Retirement Equities Fund UBS AG UFJ Holdings Inc UniCredit SpA US Bancorp Wachovia Corporation Washington Mutual Inc Wells Fargo & Company WestLB AG Westpac Banking Corporation

Australia Sweden United Kingdom Netherlands Canada United Kingdom Italy France Japan United States Switzerland Japan Italy United States United States United States United States Germany Australia

Asia Pacific Europe Europe Europe North America Europe Europe Europe Asia Pacific North America Europe Asia Pacific Europe North America North America North America North America Europe Asia Pacific

All data is from gathered primary source and edited in-house by Research Bank who provide the data in the format determined below. Primary sources include Annual Reports, press releases, SEC and other filings as well as the respective company websites. International and national news agencies are also monitored to ensure currency of data as well as subscribing to individual company press releases where available. Any $ character refers to US$ and financial information is Consolidated unless otherwise stated. Any year-based information in the Quick Facts section and the number of employees refers to the respective financial year-end unless otherwise stated. ABOUT RESEARCH BANK Research Bank was founded in 2003 and provides company profiles covering the world's largest 500+ corporations. In addition to the global 500+ database and company profiles, Research Bank provides:customised company profiling services competitive intelligence database maintenance services database enhancement services sectoral analysis services For more information and a full list of companies profiled visit www.researchbank.co.uk

Guide to the report

The individual company profiles are displayed in the following way to provide the data listed below:Company name ­ full trading name of the company. Contact details ­ to include street address, city, postcode, country, region, full fax and telephone to include international area code, company URL and website. Ticker Symbol ­ details of the stock exchange where the company is listed and the Ticker Symbol. Sector ­ reference to which sector Research Bank has assigned this company. SIC Codes ­ list of SIC Codes within which the company operates. Date of Establishment ­ a record of when the company was founded. Number of Employees ­ a record of the number of employees typically at year end. Activities ­ a descriptive section to outline the company's principal activities and any additional information regarding segment or geographic reporting. Quick Facts ­ short bullet pointed and digestible information to further highlight the company's activities and background. Typically these may include segment and geographic analysis, research and development expenditure, sales by product, market share statistics, production volumes etc. Competitors ­ a list of up to five major competitor companies. Board of Directors ­ a full listing of Directors who sit on the company's Board of Directors. Executives ­ a full listing of the leading management and key decision makers at the company. Executive Biographies ­ verbatim transcripts of biographies of the leading executives at the company. Selected Financial Data - 4 years of selected financial data presented on a consolidated basis unless otherwise stated. Data typically includes revenue, profit before tax, profit after tax, shareholders' equity, total assets, earnings and dividends per share. For banking and financial companies total assets and premium income data is provided. Analyst coverage ­ full list of analysts covering the company. Tradenames - list of a tradenames used by the company. Locations ­ global directory of subsidiaries, offices and other locations to provide company name, address, phone and fax where available

Navigation tips

Given the depth of data contained within the documents created by Research Bank, we would suggest the following tips when finding data in these documents:Use Adobe Acrobat Reader version 6 and above, this allows for greater searching within the document and gives more depth to searching capabilities e.g. the results show all occurrences of a search term and the text surrounding the search term. CTRL+G searches for the next occurrence of the search term. CTRL+SHFT+G searches for the previous occurrence of the search term. Make use of the bookmarks tab typically on the left hand side of the screen. There are individual bookmarks for the companies listed in each report. Given the size of some of the reports we would recommend printing the desired range of pages rather than the full document

Fortune Global 500 Databank

BANKING & FINANCE

ABN AMRO Holding NV

ABN AMRO Holding NV Gustav Mahlerlaan 10 1082 PP Amsterdam Netherlands Tel: +31 20 628 93 93 Fax: +31 20 629 91 11 [email protected] www.abnamro.com Ticker Symbol: New York: ABN Number of Employees: 105,918 105,918 ACTIVITIES ABN AMRO Holding NV provides international banking services. The Bank has more than 3,000 branches in over 60 countries and territories a staff of 105,439. The bank operates in the following global Strategic Business Units (SBUs):· · · · · Consumer & Commercial Clients (C&CC) Private Clients & Asset Management (PCAM) Wholesale Clients (WCS) Asset Management (AM) LeasePlan Corporation (LPC) REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6029

QUICK FACTS ABN AMRO ranks 11th in Europe based on tier 1 capital and 23rd in the world 2004 vs. 2003 revenue breakdown by SBU:· · · · · · C&CC 52% vs. 56% WCS 27% vs. 28% PC 6% vs. 5% AM 3% vs. 3% LPC 3% vs. 4% GF 9% vs. 4%

2004 employees by geographic region:· Netherlands 29,852 · International 76,066 Return on equity by year:· · · · · 2000 2001 2002 2003 2004 20.5% 27.3% 20.1% 27.7% 30.8%

COMPETITORS

· ING Group · nv Bank Nederlandse Gemeenten

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Fortune Global 500 Databank

BANKING & FINANCE

· Deutsche Bank AG

BOARD OF DIRECTORS A A Loudon, Chairman A Burgmans, Director D R J Baron de Rothschild, Director L S Groenman, Director T A Maas-de Brouwer, Director A C Martinez, Director M V Pratini de Moraes, Director P Scaroni, Director Lord Sharman of Redlynch, Director A A Olijslager, Director R F van den Bergh, Director A Ruys, Director EXECUTIVES Rijkman Groenink, Chairman of the Managing Board Hugh Scott-Barrett, COO Joost Kuiper, SBU Consumer & Commercial Clients (the Netherlands, North America) Tom de Swaan, CFO Wilco Jiskoot, SBU Wholesale Clients; Asset Management Dolf Collee, SBU Consumer & Commercial Clients (Brazil, New Growth Markets); Private Clients BIOGRAPHIES RIJKMAN GROENINK - CHAIRMAN OF THE MANAGING BOARD Date of birth: 25 August 1949 Nationality: Dutch Appointed Chairman of the Managing Board in May 2000. Responsible for the strategic reorientation and restructuring of the ABN AMRO Group announced in May 2000, which aims to increase ABN AMRO's focus on maximising shareholder value and serving clients. Joined Amro Bank in 1974, appointed Head of Product Management Retail Accounts in 1976, Head of Syndicated Loans in 1978, Head of International Corporate Accounts in the International Division in 1980, Director of the Dutch Special Credit Department in 1982, and SEVP of Corporate Business in 1986. Appointed to the Managing Board of Amro Bank in 1988. Following the merger of ABN and Amro Bank in 1990, he was appointed to the Managing Board, with responsibility for the Netherlands Division. In January 2000 he announced the Focus 2005 initiative to reorganise the branch network in the Netherlands and accelerate the implementation of the multi-channel distribution strategy. TOM DE SWAAN - CFO Date of birth: 4 March 1946 Nationality: Dutch Since January 1999, member of the Managing Board and CFO. Responsible for the Group functions of Group Finance, Group Risk, Group Legal & Compliance, Group Audit and the Economics Department. Joined the Dutch central bank, De Nederlandsche Bank, after completing university in 1972. Was appointed member of the Governing Board of De Nederlandsche Bank in 1986, in charge of payments systems, IT, human resources and planning & control. In 1992, he assumed responsibility for the supervision of credit institutions and mutual funds in the Netherlands. In that capacity, he served as Chairman of the Joint Forum on Financial Conglomerates and the Banking Supervisory Committee of the European Monetary Institute. In 1997, he was appointed Chairman of the Basel Committee on Banking Supervision. HUGH SCOTT-BARRETT - COO Date of birth: 26 September 1958 Nationality: British Since November 2003, COO responsible for a number of Group functions related to strategy and performance management and for Group Shared Services, which has been established to drive the further transformation of group-wide services in Procurement, Transaction Processing, Technology and Human Resources. Appointed to the Managing Board in June 2000. Was previously one of two Board members responsible for the Strategic Business Unit Wholesale Clients, where he co-led a successful restructuring. In particular, he was responsible for the re-engineering of Technology, Operations and Property Services (TOPS) and for the decision to outsource WCS's technology function to EDS. Prior to joining the Managing Board, he was also previously Global Head of Corporate Finance, where he achieved a significant strengthening of ABN AMRO's mergers & acquisitions business, integrating its worldwide corporate finance operations into a series of global sector teams.

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Fortune Global 500 Databank

BANKING & FINANCE

Joined ABN AMRO in 1996 from SBC Warburg, where he was a Managing Director in Corporate Finance. Joined SBC in 1984, becoming Deputy Chief Executive of SBC's European activities in 1994, having started his career in 1980 in the Corporate Finance Department at Kleinwort Benson. JOOST KUIPER - SBU CONSUMER & COMMERCIAL CLIENTS (THE NETHERLANDS, NORTH AMERICA) Date of birth: 23 July 1947 Nationality: Dutch Since November 2003, the Board member responsible for the activities of the Strategic Business Unit Consumer & Commercial Clients (C&CC) in the Netherlands and North America. Since 2000, he has shared co-responsibility of C&CC, which offers financial products and services for over 15 million individuals and small- and medium-sized businesses worldwide, particularly in the home markets of the Netherlands, the US and Brazil. Appointed to the Managing Board in May 1999, with responsibility for the International Division. Joined ABN AMRO in 1998 as a SEVP in Treasury and Fixed Income. Previously held a series of senior positions in Dutch finance, including Chairman of Amsterdam-based investment bank MeesPierson (1996-98), Chairman of Fortis in the Netherlands (1997-98), and President of the European Options Exchange (1993-96). Between 1987 and 1993, he was member of the Managing Board of Granaria Beheer B.V. and a Managing Director of Refining & Trading Holland. Started his career in 1973 in the new issue and syndicate department of Amro Bank. Left in 1976 to take up positions at Banque Européene de Crédit in Brussels and Sogen-Swiss International in New York, before rejoining AMRO Bank, first in New York and then in London and the Netherlands. DOLF COLLEE - SBU CONSUMER & COMMERCIAL CLIENTS (BRAZIL, NEW GROWTH MARKETS) BU PRIVATE CLIENTS Date of birth: 24 October 1952 Nationality: Dutch Since November 2003, the Board member responsible for the activities of the Strategic Business Unit (SBU) Consumer & Commercial Clients (C&CC) in Brazil and New Growth Markets. Also responsible for the Business Unit Private Clients, which focuses on wealthy individuals with investible assets of at least EUR 1 million and ranks among the world's top 10. Appointed to the Managing Board in June 2000, responsible for the SBU Private Clients & Asset Management and one of two Board members responsible for the SBU C&CC. Has always had particular responsibility for the business in New Growth Markets. Was also responsible for ABN AMRO's asset gathering efforts and our European focus thereof. Previously, was SEVP Commercial Development within the Netherlands Division. Key achievements in this role were the development of the multi-channel distribution model, internet banking and new products combining banking and assurance. Joined ABN Bank in 1980 and held a series of positions within the Netherlands office network before becoming Regional General Manager for the region Zuid-Oost in 1992. SELECTED FINANCIAL DATA 31/12/01 '000 Total revenue Profit before tax Profit after tax Total assets Shareholders' equity Earnings per share Dividends per share LOCATIONS · ARGENTINA ABN AMRO Bank N.V. Victoria Ocampo 360 6, 7 and 8 floor, Puerto Madero (C1107BGA) Buenos Aires Argentina Tel: +54 11 4320 0600 · ARUBA ABN AMRO Trust Company (Aruba) N.V. Caya G.F. Betico Croes 85 Oranjestad Aruba Tel: +297 8 34225 18,834,000 3,613,000 3,230,000 597,363,000 12,098,000 2.10 0.90 31/12/02 '000 18,280,000 3,388,000 2,207,000 556,018,000 11,081,000 1.39 0.90 31/12/03 '000 18,793,000 4,918,000 3,161,000 556,437,000 13,047,000 1.94 0.95 31/12/04 '000 19,793,000 5,451,000 4,109,000 608,623,000 14,972,000 2.45 1.00

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Fortune Global 500 Databank

[email protected] · AUSTRALIA ABN AMRO Australia Limited Level 29, ABN AMRO Tower 88 Philip Street Sydney NSW 2000 Australia Tel: +61 2 82595000 [email protected] www.abnamro.com.au ABN AMRO Asset Management Australia Limited Level 7, ABN AMRO Tower 88 Philip Street Sydney NSW 2000 Australia Tel: +61 2 82596000 [email protected] www.abnamro.com.au/asset ABN AMRO Morgans Level 29, Riverside Centre 123 Eagle Street Brisbane QLD 4000 Australia Tel: +61 7 33344888 [email protected] www.abnamromorgans.com.au ABN AMRO Capital Advisory (Australia) Pty Limited Level 29, ABN AMRO Tower 88 Philip Street Sydney NSW 2000 Australia Tel: +61 2 8259 5132 [email protected] www.capital.abnamro.com ABN AMRO Trustees Level 26, ABN AMRO Tower 88 Philip Street Sydney NSW 2000 Australia Tel: +61 2 8259 6845 [email protected] www.abnamrotrustees.com · AUSTRIA ABN AMRO Bank N.V. Operngasse 2 A-1010 Wien Austria Tel: +43 1 313060 [email protected] · BELGIUM ABN AMRO Bank N.V. Regentlaan 53 1000 Brussels Belgium Tel: +32 2 5460460 [email protected] ABN AMRO Bank N.V., Asset Management Belgium Roderveldlaan 5, bus 4 B-2600 Antwerpen - Berchem Belgium Tel: +32 3 2220277 [email protected]

BANKING & FINANCE

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Fortune Global 500 Databank

ABN AMRO Capital Belgium Regentlaan 53 1000 Brussels Belgium Tel: +32 2 5460240 [email protected] www.capital.abnamro.com · BRAZIL Banco ABN AMRO Real S.A. Av. Paulista, 1374 3rd floor São Paulo SP 01310-916 Brazil Tel: +55 11 3879 4009 ABN AMRO Bank N.V. Av. Paulista, 1374 3rd floor São Paulo SP 01310-916 Brazil Tel: +55 11 3174 9800 [email protected] ABN AMRO Working Capital Av. Paulista, 1374 15th floor São Paulo SP 01310-916 Brazil Tel: +55 11 3174 2212 [email protected] www.gts.abnamro.com ABN AMRO Asset Management LTDA Av. Paulista, 1374 14th floor São Paulo SP 01310-916 Tel: +55 11 3174 6663 [email protected] www.aaam.com.br ABN AMRO Capital Av. Paulista, 1374 14th floor São Paulo SP 01310-916 Brazil Tel: +55 11 3174 6250 www.capital.abnamro.com · BRITISH VIRGIN ISLANDS ABN AMRO Trust Company (BVI) Ltd. Road Town Tortola British Virgin Islands Tel: +599 9 4335000 [email protected] [email protected] · CANADA ABN AMRO Bank N.V. Canada Branch Maritime Life Tower, 15th floor 79 Wellington Street West Toronto Dominion Centre Canada Tel: +1 416 3670850 [email protected]

BANKING & FINANCE

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Fortune Global 500 Databank

LaSalle Business Credit Maritime Life Tower, 15th floor 79 Wellington Street West Toronto Dominion Centre Ontario M5K 1G8 Canada Tel: +1 416 3670850 [email protected] ABN AMRO Leasing 5515 North Service Road, 2nd floor Burlington Ontario L7L 6G4 Canada Tel: +1 905 3312000 [email protected] ABN AMRO Asset Management Canada Limited Maritime Life Tower, 15th floor 79 Wellington Street West Toronto Dominion Centre Ontario M5K 1G8 Canada Tel: +1 416 3656785 [email protected] · CAYMAN ISLANDS ABN AMRO Trust Company (Cayman) Ltd 75 Fort Street Grand Cayman Cayman Islands Tel: +1 345 9496470 [email protected] [email protected] · CHANNEL ISLANDS ABN AMRO Bank N.V. ABN AMRO House PO Box 255, 7 Castle Street St. Helier Jersey JE4 8TB Tel: +44 1534 604301 [email protected] www.abnamro.je ABN AMRO Trust Company (Jersey) Limited ABN AMRO House PO Box 255, 7 Castle Street St. Helier Jersey JE4 8TB Tel: +44 1534 604000 [email protected] www.abnamrotrust.je · CHILE ABN AMRO Bank Chile 3039 Apoquindo Ave. Las Condes Santiago Chile Tel: +56 2 3965212 [email protected] Consumer & Commercial Clients ABN AMRO Insurance 3039 Apoquindo Ave. Las Condes Santiago Chile Tel: +56 2 3965000 [email protected]

BANKING & FINANCE

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Fortune Global 500 Databank

· CHINA ABN AMRO Bank N.V. 28/F, Jin Mao Tower 88 Shiji Dadao (Century Boulevard) Pudong New Area Shanghai 200121 China Tel: +86 21 50499303 ABN AMRO Asset Management (Asia) Ltd. 28/F Jin Mao Tower 88 Shiji Dadao (Century Boulevard) Pudong New Area Shanghai 200121 China Tel: +86 21 50477799 · COLOMBIA ABN AMRO Bank Colombia KRA 7 No 115-33 Piso 17 Bogotá Colombia Tel: +571.52 191 00 [email protected] · CZECH REPUBLIC ABN AMRO Bank N.V. Lazarská 3 111 21 Prague 1 Czech Republic Tel: +420 244 051111 [email protected] www.abnamro.cz ABN AMRO Asset Management (Czech), a.s. Hilleho 6 602 00 Brno Czech Republic Tel: +420 545 423455-5 [email protected] www.aaam.cz · DENMARK ABN AMRO Bank N.V. Amaliegade 35 P.O.Box 2198 DK-1017 Copenhagen K Denmark Tel: +45 35443544 [email protected] www.abnamro.dk Alfred Berg Kapitalforvaltning A/S Amaliegade 35 P.O.Box 2198 DK-1017 Copenhagen K Denmark Tel: +45 33961000 [email protected] www.alfredberg.dk

BANKING & FINANCE

· ECUADOR ABN AMRO Bank N.V. República de El Salvador 1082 Edf. Mansión Blanca, Torre Londres, 5to piso Quito Ecuador Tel: +593 2 243 4448 [email protected]

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Fortune Global 500 Databank

· EGYPT ABN AMRO Delta (Egypt) 3, El Zohour Street Mohandessin 12311 Cairo Egypt Tel: +20 2 3317480 [email protected] ABN AMRO Delta Asset Management (Egypt) 3, El Zohour Street Mohandessin 12311 Cairo Egypt Tel: +20 2 3352480 [email protected] · FINLAND ABN AMRO Bank N.V. Helsinki Representative Office Kluuvikatu 3, 3rd floor FIN-00100 Helsinki Finland Tel: +358 9 22832500 [email protected] www.abnamro.com/wholesale Alfred Berg Finland Oyj Abp Kluuvikatu 3, 7th floor FIN-00100 Helsinki Finland Tel: +358 9 228321 www.alfredberg.fi Alfred Berg Omaisuudenhoito Oy Kluuvikatu 3, 2nd floor FIN-00100 Helsinki Finland Tel: +358 9 22832600 [email protected] www.alfredberg.fi/rahasto · FRANCE Banque NSMD 3, avenue Hoche 75008 Paris France Tel: +33 1 56 21 7000 www.banque-nsmd.fr NSM Gestion 3, avenue Hoche 75008 Paris France Tel: +33 1 56 21 7000 www.nsm-gestion.fr Banque OBC - Odier Bungener Courvoisier 57, avenue d'léna 75116 Paris France Tel: +331 45 02 4000 www.obc.fr OBC Gestion 57, avenue d'léna 75116 Paris France Tel: +331 450 24588 www.obc.fr

BANKING & FINANCE

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Fortune Global 500 Databank

Fontenay Gestion 3, avenue Hoche BP 413-08 75366 Paris Cedex 08 France Tel: +331 56 21 5959 www.fontenaygestion.com Asset Allocation Advisors 3, avenue Hoche 75008 Paris France Tel: +331 56 21 8756 www.aaadvisors.fr ABN AMRO Bank (France) N.V. 40, Rue de Courcelles 75008 Paris France Tel: +331 55 21 9000 www.abnamro-france.fr ABN AMRO Capital France 23, Rue Balzac 75008 Paris France Tel: +331 53 93 6907 [email protected] www.abnamrocapital.fr · GERMANY ABN AMRO Bank (Deutschland) AG Theodor-Heuss-Allee 80 60486 Frankfurt am Main Germany Tel: +49 69 26 9000 [email protected] ABN AMRO Capital, Gesellschaft für Beteiligungsberatung mbH Theodor-Heuss-Allee 80 60486 Frankfurt am Main Germany Tel: +49 69 26 900424 [email protected] www.capital.abnamro.com ABN AMRO Asset Management (Deutschland) GmbH Theodor-Heuss-Allee 80 60486 Frankfurt am Main Germany Tel: +49 69 26 900734 [email protected] Delbrück & Co. AG Mainzer Landstrasse 65 60329 Frankfurt am Main Germany Tel: +49 69 26 900451 www.delbrueck.de Sports Desk Germany Delbrück & Co.AG Mainzer Landstrasse 65 60329 Frankfurt am Main Germany Tel: +49 69 13 314400 www.abnamroprivatebanking.com/sportsdesk

BANKING & FINANCE

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Fortune Global 500 Databank

· GIBRALTAR ABN AMRO Bank N.V. Suite 731-4, Europort P.O. Box 100 Gibraltar Tel: +350 74474 [email protected] · GREECE ABN AMRO Bank N.V. 330, Thisseos Avenue GR-176 75 Kallithea Athens Greece Tel: +30 210 949 7199 [email protected] ABN AMRO Mutual Funds Management Company (Hellas) S.A. 330, Thisseos Avenue GR-176 75 Kallithea Athens Greece Tel: +30 10 949 7738 · HONG KONG ABN AMRO Bank N.V. 38/F, Cheung Kong Centre 2 Queens Road Central Hong Kong Tel: +852 27003000 [email protected] ABN AMRO Asset Management (Asia) Ltd. 37/F, Cheung Kong Centre 2 Queens Road Central Hong Kong Tel: +852 25330000 [email protected] · INDIA ABN AMRO Bank N.V. Hansalaya Building 15, Barakhamba Road New Delhi 110001 India Tel: +91 11 23702555 [email protected] · INDONESIA ABN AMRO Bank N.V. Jakarta Stock Exchange Building Tower II, 10th fl Sudirman Central Business District Jl. Jend Sudirman Kav 52-53 Jakarta 12190 Indonesia Tel: +62 21 515 6000 P.T. ABN AMRO Manajemen Investasi Jakarta Stock Exchange Building, Tower II, 10th fl Sudirman Central Business District Jl. Jend Sudirman Kav 52-53 Jakarta 12190 Indonesia Tel: +62 21 515 6380 · IRELAND ABN AMRO Bank N.V. ABN AMRO House International Financial Services Center Dublin 1 Ireland Tel: +353 1 6093800 [email protected]

BANKING & FINANCE

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Fortune Global 500 Databank

· ITALY ABN AMRO Bank N.V. Via Meravigli 7 20123 Milano Italy Tel: +39 02 722671 [email protected] ABN AMRO Capital Spa Via Meravigli 7 20123 Milano Italy Tel: +39 02 72400711 [email protected] www.capital.abnamro.com ANTONVENETA ABN AMRO Bank SpA Palazzo Conti Corso Magenta 84 20123 Milano Italy Tel: +39 02 303231 www.aaabank.it ANTONVENETA ABN AMRO Società di Gestione del Risparmio SpA Palazzo Conti Corso Magenta 84 20123 Milano Italy Tel: +39 02 480671 www.aaabank.it · JAPAN ABN AMRO Bank N.V. Atago Green Hills MORI Tower 31F 5-1 Atago 2 Chome, Minato-ku Tokyo 105-6231 Japan Tel: +81 3 54056500 [email protected] www.abnamro.com/wholesale ABN AMRO Securities (Japan) Ltd. Atago Green Hills MORI Tower 32F 5-1 Atago 2 Chome, Minato-ku Tokyo 105-6231 Japan Tel: +81 3 54056700 [email protected] www.abnamro.com/wholesale · KAZAKHSTAN ABN AMRO Bank Kazakhstan CJSC 45, Khadzhy Mukana Street 480099 Almaty Kazakhstan Tel: +7 3272 507300 [email protected] · LUXEMBOURG ABN AMRO Bank (Luxembourg) S.A. Espace Kennedy 46, Avenue J.F. Kennedy L-1855 Luxembourg-Kirchberg Luxembourg Tel: +352 26071 [email protected] www.abnamro.lu

BANKING & FINANCE

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Fortune Global 500 Databank

ABN AMRO Investment Funds S.A. (AAIF) Espace Kennedy 46, Avenue J.F. Kennedy L-1855 Luxembourg-Kirchberg Luxembourg Tel: +352 26073305 [email protected] www.asset.abnamro.com · MALAYSIA ABN AMRO Bank Berhad Levels 25-27, Tower 2, MNI Twins 11, Jalan Pinang 50450 Kuala Lumpur Malaysia Tel: +603 21627888 [email protected] · MEXICO ABN AMRO Bank (México), S.A. Prolongación Paseo de la Reforma 600-320 PH Col. Santa Fé Peña Blanca Delegación Alvaro Obregón 01210 Mexico, D.F Mexico Tel: +52 55 52577800 · MONACO ABN AMRO Bank N.V. Monte-Carlo Palace 7, Boulevard des Moulins MC 98000 Monte Carlo Monaco Tel: +377 92168830 [email protected] · NETHERLANDS Consumer & Commercial Clients ABN AMRO Bank N.V. Head Office Gustav Mahlerlaan 10 1082 PP Amsterdam Netherlands Tel: +31 10 2820724 or 0900 0024 [email protected] www.abnamro.nl Wholesale Clients ABN AMRO Bank N.V. Head Office Gustav Mahlerlaan 10 1082 PP Amsterdam Netherlands Tel: +31 20 6289898 [email protected] www.abnamro.com/wholesale Working Capital ABN AMRO Working Capital Gustav Mahlerlaan 10 1082 PP Amsterdam Netherlands Tel: +31 20 3837116 [email protected] www.gts.abnamro.com Private Banking ABN AMRO Bank N.V. De Entree 99 1101 HE Amsterdam Netherlands Tel: +31 20 6287715 or 0800 024 0701 www.abnamro.nl/privatebanking

BANKING & FINANCE

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Fortune Global 500 Databank

Sports Desk Netherlands ABN AMRO Private Banking P.O. Box 90 (AF0920) 1000 AB Amsterdam Netherlands Tel: +31 20 6287253 www.abnamroprivatebanking.com/sportsdesk Asset Management ABN AMRO Asset Management Hoogoorddreef 66-68 1101 BE Amsterdam Netherlands Tel: +31 20 6294776 [email protected].com www.asset.abnamro.com ABN AMRO Capital P.O. Box 283 (HQ4159) 1000 EA Amsterdam Netherlands Tel: +31 20 3839700 [email protected] www.capital.abnamro.com International Trust Affairs ABN AMRO Bank N.V. P.O. Box 283 (AP1428) 1000 EA Amsterdam Netherlands Tel: +31 20 6295150 [email protected] www.abnamrotrust.aw · NETHERLANDS ANTILLES ABN AMRO Bank N.V. P.O. Box 3144 De Ruyterkade 61 Willemstad Curaçao Netherlands Tel: +5999 4338000 [email protected] ABN AMRO Asset Management (Curaçao) N.V. P.O. Box 3144 De Ruyterkade 61 Willemstad Curaçao Netherlands Tel: +5999 4338361 [email protected] ABN AMRO Trust Company (Curaçao) N.V. P.O. Box 4905 Pietermaai 15 Willemstad Curaçao Netherlands Tel: +5999 4335000 [email protected] ABN AMRO Bank Netherlands Antilles P.O. Box 3144 De Ruyterkade 61 Willemstad Curaçao Netherlands Tel: +5999 4338000 [email protected]

BANKING & FINANCE

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Fortune Global 500 Databank

· NEW ZEALAND ABN AMRO New Zealand Ltd. Level 32, Royal & SunAlliance Centre 48 Shortland Street Auckland New Zealand Tel: +64 9 3587500 [email protected] www.abnamro.co.nz · NORWAY Alfred Berg Norge ASA Olavs V's gate 5 P.O. Box 1294, Vika NO-0111 Oslo Norway Tel: +47 22005000 [email protected] Alfred Berg Industriefinans ASA Grev Wedels Plass 9 NO-0105 Oslo Norway Tel: +47 22005100 [email protected] www.abif.no Alfred Berg Fondsforvaltning A/S Stotorvet 10 P.O. Box 483 Sentrum NO-0105 Oslo Norway Tel: +47 22005000 [email protected] ABN AMRO Capital Investment AB (Nordic) Grev Wedels Plass 9 P.O. Box 483 Sentrum NO-0105 Oslo Norway Tel: +47 22005100 www.capital.abnamro.com · PAKISTAN ABN AMRO Bank N.V. 16 Abdullah Haroon Road P.O. Box 4096 Karachi 74000 Pakistan Tel: +92 21 5683097 · PARAGUAY ABN AMRO Bank N.V. Paraguay Branch Estrella 443 Y Alberdi Asunción Paraguay Tel: +595 21 4190000 [email protected] · PHILIPPINES ABN AMRO Savings Bank LKG Tower 6801 Ayala Avenue 1200 Makati City Manila Philippines Tel: +63 2 8843743-45

BANKING & FINANCE

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Fortune Global 500 Databank

· POLAND ABN AMRO Bank (Polska) S.A. Wisniowy Business Park ul. 1-go Sierpnia 8A 02-134 Warsaw Poland Tel: +48 22 5730500 · PORTUGAL ABN AMRO Bank N.V. Av. da Liberdade, 131 - 5º 1269-036 Lisboa Portugal Tel: +351 21 3211800 · ROMANIA ABN AMRO (Romania) S.A. World Trade Centre Bucharest Bld Expozitiei Nr. 2, Entrance E Bucharest 1 Romania Tel: +40 21 202 0400 [email protected] · RUSSIA ABN AMRO Bank A.O. Bolshaya Nikitskaya Street 17 Building 1 103009 Moscow Russia Tel: +7 095 9319141 [email protected] · SINGAPORE ABN AMRO Bank N.V. 63, Chulia Street Singapore 049514 Singapore Tel: +65 62318888 www.abnamro.com/wholesale ABN AMRO Working Capital 63, Chulia Street Singapore 049514 Singapore Tel: +65 62318099 [email protected] www.gts.abnamro.com · SOUTH AFRICA ABN AMRO Bank N.V. ABN AMRO House, 2 Exchange Square 85 Maude Street, Sandown / Sandton Johannesburg 2196 South Africa Tel: +27 11 685 2000 · SOUTH KOREA ABN AMRO Bank Korea Seoul City Tower 11/12F 581 Namdaemunro 5-ga Jung-gu Seoul 100-095 South Korea Tel: +822 2131 6000 [email protected] · SPAIN ABN AMRO Bank N.V. C/ José Ortega y Gasset, 29 - 5th floor 28006 Madrid Spain Tel: +34 91 4236900 [email protected]

BANKING & FINANCE

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Fortune Global 500 Databank

ABN AMRO Capital Spain C/ José Ortega y Gasset, 29 - 5th floor 28006 Madrid Spain Tel: +34 91 4236900 www.capital.abnamro.com · SWEDEN ABN AMRO Bank N.V. Birger Jarlsgatan 7 P.O. Box 893 SE-101 37 Stockholm Sweden Tel: +46 8 57235000 Alfred Berg Fondkommission AB Birger Jarlsgatan 7 P.O. Box 70447 SE-107 25 Stockholm Sweden Tel: +46 8 57235800 www.alfredberg.se Alfred Berg Kapitalforvaltning AB Birger Jarlsgatan 7, 2nd floor P.O. Box 70477 SE-107 25 Stockholm Sweden Tel: +46 8 57235800 [email protected] www.asset.abnamro.com · SWITZERLAND ABN AMRO Bank (Schweiz) Beethovenstrasse 33 CH-8022 Zürich Switzerland Tel: +41 1 6314111 [email protected] ABN AMRO Asset Management (Switzerland) Beethovenstrasse 33 CH-8022 Zürich Switzerland Tel: +41 1 6315060 [email protected] www.asset.abnamro.com ABN AMRO Trust Company (Suisse) S.A. 80, rue du Rhone P.O. Box 3768 CH - 1211 Geneva 3 Switzerland Tel: +41 22 8171950 www.abnamrotrust.ch · TAIWAN ABN AMRO Bank N.V. Taipei Branch, 4F, No. 51, Sec. 3 Min Sheng East Road Taipei Taiwan Tel: +886 2 25037888 · THAILAND ABN AMRO Bank N.V. 3-4 fl., Bangkok City Tower 179/3 South Sathorn Road Bangkok 10120 Thailand Tel: +66 2 6795900

BANKING & FINANCE

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Fortune Global 500 Databank

Bank of Asia 191 South Satorn Road Bangkok 10120 Thailand Tel: +66 2 2872211 www.bankasia4u.com Bank of Asia Asset Management 5 fl., Bangkok City Tower 179/3 South Sathorn Road Bangkok 10120 Thailand Tel: +66 2 6795577 www.boaam.com · TURKEY ABN AMRO Bank N.V. Tamburi Ali Efendi Sokak No. 13 Etiler 80630 Istanbul Turkey Tel: +90 212 3594040 ABN AMRO Portföy Uönetimi A.S. Tamburi Ali Efendi Sokak No. 13 Etiler 80630 Istanbul Turkey Tel: +90 212 3594001 · UNITED ARAB EMIRATES ABN AMRO Bank N.V. ABN AMRO Building Khaleed bin Whaleed Road P.O. Box 2567 Dubai UAE Tel: +971 4 3512200 · UNITED KINGDOM ABN AMRO Bank N.V. London Headquarters 250 Bishopsgate London EC2M 4AA United Kingdom Tel: +44 20 76788000 ABN AMRO Asset Management Ltd. 82 Bishopsgate London EC2N 4BN United Kingdom Tel: +44 20 76784500 [email protected] asset.gb.abnamro.com · UNITED STATES ABN AMRO Incorporated Park Avenue Plaza 55 East 52 Street New York, NY 10055 United States Tel: +1 212 409 1000 LaSalle Bank N.A. 135 South LaSalle Street Chicago, IL 60603 United States Tel: +1 312 904 2000 www.lasallebank.com

BANKING & FINANCE

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Fortune Global 500 Databank

Standard Federal Bank N.A. 2600 West Big Beaver Road Troy, MI 48343 United States Tel: +1 800 643 9600 www.standardfederalbank.com ABN AMRO Asset Management 161 North Clark Street, 9th floor Chicago, IL 60601-2468 United States Tel: +1 312 884 2000 [email protected] www.abnamrousa.com · URUGUAY ABN AMRO Bank N.V. Calle Julio Herrera y Obes 1365 Montevideo 11100 Uruguay Tel: +598 2 9031073 [email protected] · UZBEKISTAN ABN AMRO Bank N.B. Uzbekistan A.O. Business Complex, 4th entrance Khamid Alimjan Square (West Side) Tashkent 700000 Uzbekistan Tel: +998 71 1206141 · VENEZUELA ABN AMRO Bank N.V. Av. Principal de Las Mercedes Torre Shell, piso 10 El Rosal, Caracas 1060 Venezuela Tel: +58 2 9570300 [email protected] · VIETNAM ABN AMRO Bank N.V. 3rd floor, Daeha Center 360 Kimma Hanoi Vietnam Tel: +84 4 8315250

BANKING & FINANCE

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Fortune Global 500 Databank

BANKING & FINANCE

Agricultural Bank of China

Agricultural Bank of China Jia 23 Fu Xing Road 100036 Beijing China Tel: +86 10 6847 5321 Fax: +86 10 6842 6740 www.abchina.com Ticker Symbol: State-owned company Date of Establishment: 1984 Number of Employees: 295,000 ACTIVITIES Agricultural Bank of China provides banking and financial services REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021

BOARD OF DIRECTORS He Linxiang, President EXECUTIVES He Linxiang, President

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Fortune Global 500 Databank

BANKING & FINANCE

Algemene Maatschappij voor Nijverheidskrediet NV

Algemene Maatschappij voor Nijverheidskrediet NV Snyderhuis Keizerstraat 8 B-2000 Antwerpen Belgium Tel: +32 3 202 87 00 Fax: +32 3 202 87 05 [email protected] www.almanij.be Ticker Symbol: Euronext: ALMB ACTIVITIES Algemene Maatschappij voor Nijverheidskrediet NV is a financial holding company with interests in banking REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6712

QUICK FACTS Gross dividends per share have risen from 1998 to 2002 from 0.97 to 1.38 As at 31 December 2002, the largest shareholders were Almancora Comm VA and MRBB cvba with 28.59% and 16.62% respectively Principal subsidiaries of ALMANIJ NV consist of Gevaert NV, Almafin NV, Kredietbank SA Luxembourgeoise (KBL) and KBC Bank and Insurance Holding Company NV (KBC Holding)

COMPETITORS

· ING Group · Fortis · Cobepa SA

BOARD OF DIRECTORS Jan Huyghebaert, Chairman and Managing Director Philippe Vlerick, Deputy-Chairman Luc Philips, Managing Director Georges Beerden, Director Paul Borghgraef, Director Paul Bostoen, Director Cecile Cambien, Director Luc Debaillie, Director Noël Devisch, Director Rik Donckels, Director Béatrice Dubaere-Van Houtte, Director Marc Francken, Director Alex Geets, Director Jean-Marie Géradin, Director Dirk Heremans, Director Thierry Konings, Director Christian Leysen, Director

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Fortune Global 500 Databank

Xavier Liénart, Director Lode Morlion, Director Philippe Naert, Director Marita Orlent-Heyvaert, Director Gustaaf Sap, Director Alain Tytgadt, Director Guido Van Roey, Director Germain Vantieghem, Director Jozef Van Waeyenberge, Director EXECUTIVES Jan Huyghebaert, Chairman and Managing Director Luc Philips, Managing Director May Van Bedts, Corporate Vice-President Finance Philippe Verly, Corporate Vice-President Legal Affairs, Secretary to the Board

BANKING & FINANCE

SELECTED FINANCIAL DATA 31/12/01 '000 Net interest income Profit before tax Profit after tax Total assets Earnings per share Dividends per share ANALYST COVERAGE Bank Degroof WestLB Equity Markets Fortis Puilaetco Petercam Delta Lloyd Securities Rabo Securities ING Financial Markets 2,852,625 1,638,523 1,217,989 259,302,300 3.520 0.981 31/12/02 '000 3,367,468 1,797,055 1,257,973 252,780,000 3.660 1.035 31/12/03 '000 3,429,377 1,912,773 1,407,864 259,629,300 4.79 1.125 31/12/04 '000 3,350,526 2,418,277 1,876,855 282,014,900 5.81 1.38

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Fortune Global 500 Databank

BANKING & FINANCE

American Express Company

American Express Company 200 Vesey Street New York, NY 10285 United States Tel: +1 212 640 2000 www.americanexpress.com Ticker Symbol: New York: AXP Date of Establishment: 1850 Number of Employees: 77,500 ACTIVITIES American Express Company is a global travel, financial and network services provider. The Company has three operating segments: · Travel Related Services (TRS) · American Express Financial Advisors (AEFA) · American Express Bank (AEB) QUICK FACTS 2004 vs. 2003 revenues by geographic region:· · · · United States $22,918 mn vs. $20,859 mn Europe $3,137 mn vs. $2,273 mn Asia/Pacific $2,309 mn vs. $1,992 mn All Other $2,067 mn vs. $1,852 mn REGION: North America SECTOR: Banking and Finance SIC Codes: 6153 6036 6021 6029 6099 4724

Return on average shareholders' equity by year:· · · · · 2000 2001 2002 2003 2004 26.3% 10.8% 20.2% 20.6% 22.0%

2004 revenues by segment:· Travel Related Services $21,578 mn · American Express Financial Advisors $7,305 mn · American Express Bank $825 mn COMPETITORS

· Visa International · Citigroup Inc · MasterCard Incorporated · J P Morgan Chase & Co

BOARD OF DIRECTORS Daniel F Akerson, Director Charlene Barshefsky, Director William G Bowen, Director Ursula M Burns, Director

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Fortune Global 500 Databank

Kenneth I Chenault, Chairman and CEO Peter R Dolan, Director Vernon E Jordan Jr, Director Jan Leschly, Director Richard A McGinn, Director Edward D Miller, Director Frank P Popoff, Director Robert D Walter, Director

BANKING & FINANCE

EXECUTIVES Kenneth I Chenault, Chairman and CEO James M Cracchiolo, Group President Global Financial Services Gary L Crittenden, EVP and CFO Edward P Gilligan, Group President Global Corporate Services and International Payments David C House, Group President Global Network and Establishment Services and Travelers Cheque and Prepaid Services Group Alfred F Kelly Jr, Group President US Consumer and Small Business Services Jonathan S Linen, Vice Chairman American Express Company Ursula F Fairbairn, EVP Human Resources and Quality John D Hayes, EVP Global Advertising and Brand Management and Chief Marketing Officer Louise M Parent, EVP and General Counsel Glen Salow, EVP and Chief Information Officer Thomas Schick, EVP Corporate Affairs and Communications

SELECTED FINANCIAL DATA 31/12/01 US$'000 Total revenues Profit before tax Profit after tax Total assets Shareholders' equity Earnings per share Dividends per share ANALYST COVERAGE A. G. Edwards & Sons Argus Research Corp Bear Stearns & Co Bernstein & Co CS First Boston Deutsche Bank Friedman, Billings, Ramsey Fulcrum Global Partners Goldman Sachs & Co Legg Mason Lehman Brothers Merrill Lynch Morgan Stanley Piper Jaffray Prudential Equity Group Sandler O'Neill & Partners LP Smith Barney Susquehanna Financial Group UBS Wachovia Securities TRADENAMES AMERICAN EXPRESS® AMERICAN EXPRESS Box Logo® AMERICAN EXPRESS Card Design® AMERICAN EXPRESS BUSINESS Card Design® AMERICAN EXPRESS CORPORATE Card Design® AMERICAN EXPRESS CORPORATE PURCHASING Card Design® AMERICAN EXPRESS Travelers Cheque Design® AMERICAN EXPRESS WORLD SERVICE & Design® 22,582,000 1,596,000 1,311,000 151,100,000 12,037,000 US$0.98 US$0.32 31/12/02 US$'000 23,807,000 3,727,000 2,671,000 157,253,000 13,861,000 US$2.01 US$0.32 31/12/03 US$'000 25,836,000 4,247,000 2,987,000 174,547,000 15,323,000 US$2.31 US$0.38 31/12/04 US$'000 29,115,000 4,951,000 3,445,000 192,638,000 16,020,000 US$2.74 US$0.44

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Fortune Global 500 Databank

AMEX® AMEXMAIL SERVICES® BLUE FOR BUSINESS(SM) BLUE FOR STUDENTS(SM) BLUE FROM AMERICAN EXPRESS(SM) BLUE FROM AMERICAN EXPRESS Card Design(SM) BLUE TOOLS® BLUE ZONE® BLUELOOT® CENTURION® CHEQUES FOR TWO® COOLBLUEOFFERS® DATAMEX® do more® DO YOU KNOW ME?® DON'T LEAVE HOME WITHOUT IT® DON'T LEAVE HOME WITHOUT THEM® DON'T LEAVE HOME WITHOUT US® DON'T LEAVE HOMEPAGES WITHOUT IT® EMPRESS® EXPRESS APPROVAL Design® EXPRESSNET® FOOD & WINE® Gladiator Head Design® GLOBAL ASSIST® ID KEEPER(SM) IDS® MAKE LIFE REWARDING(SM) MEMBERSHIP [email protected]® MEMBERSHIP REWARDS® OFFER ZONE® OPTIMA® OPTIMA Card Design® OPTIMA TRUE GRACE® PLATINUM CARD® PLATINUM Card Design® Private Payments(SM) PRIVILIGED ASSETS® REWARDSMANAGER® SHOPAMEX(SM) SIGN & TRAVEL® SKYGUIDE® SMARTDATA® SMARTPARTNERS® SMARTSOURCE® TRAVEL + LEISURE® TRAVEL IMPRESSIONS® TRUE GRACE® Wall Street Wise. Main Street Smart.® YOUR COMPANY®`

BANKING & FINANCE

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Fortune Global 500 Databank

BANKING & FINANCE

Australia & New Zealand Banking Group Limited

Australia & New Zealand Banking Group Limited Level 2 100 Queen Street Melbourne VIC 3000 Australia Tel: +61 2 9273 6141 Fax: +61 2 9273 6142 [email protected] www.anz.com Ticker Symbol: New York: ANZ Date of Establishment: 1835 Number of Employees: 28,755 ACTIVITIES Australia & New Zealand Banking Group Limited provides banking and financial services REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021

QUICK FACTS 2003 operating income by business segment:· · · · · · · · · · Personal Banking Australia: A$1,618 mn ING Australia: A$30 mn Institutional Financial Services: A$1,872 mn Corporate: A$653 mn New Zealand Banking: A$538 mn Mortgages: A$598 mn Consumer Finance: A$713 mn Esanda and UDC: A$428 mn Asia Pacific: A$309 mn Other: A$359 mn

2003 net profit after tax breakdown by geographic region:· · · · · Australia 72% New Zealand 15% Asia 5% Pacific 3% UK/US & Other 5%

The company has 1,019 points of representation globally with 744 branches in Australia Return on average equity by year:· · · · · · · · · · 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 17.9% 18.3% 17.2% 15.9% 17.6% 19.3% 20.2% 21.6% 20.6% 17.8%

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Fortune Global 500 Databank

COMPETITORS

BANKING & FINANCE

· Commonwealth Bank of Australia · Westpac Banking Corporation · National Australia Bank Limited

BOARD OF DIRECTORS C B Goode, Chairman Dr G J Clark, Director J C Dahlsen, Director Dr R S Deane, Director J K Ellis, Director D M Gonski, Director M A Jackson, Director John McFarlane, CEO Dr B W Scott, Director EXECUTIVES John McFarlane, CEO Bob Edgar, COO and Acting Managing Director of Institutional Financial Services Peter Marriott, CFO Peter Hawkins, Group Managing Director, Group Strategic Development Sir John Anderson, Managing Director, ANZ New Zealand and Chief Executive, The National Bank of New Zealand Elmer Funke Kupper, Managing Director, Personal Banking and Wealth Management Australia Graham Hodges, Group Managing Director, Corporate Chris Cooper, Managing Director, Mortgages Brian Hartzer, Managing Director, Consumer Finance Elizabeth Proust, Managing Director, Esanda Greg Camm, Managing Director Mike Grime, Managing Director, Operations, Technology and Shared Services Shane Freeman, Group General Manager, People Capital Mark Lawrence, Chief Risk Officer Grahame Miller, Head of New Zealand Integration BIOGRAPHIES JOHN MCFARLANE - CEO John McFarlane is CEO of ANZ (Australia and New Zealand Banking Group Limited), one of Australia's leading banks. Born in Dumfries, Scotland, in 1947 John was educated at Dumfries Academy before studying at the University of Edinburgh where he obtained a Master of Arts degree. Later, he gained his Masters Degree in Business Administration at Cranfield School of Management and advanced his accounting and corporate financial studies at the London Business School. John began his career in 1969, spending five years with Ford Motor Company UK in manufacturing, before commencing his career in the banking and financial services industry. After business school, he spent 18 years at Citibank and became the first British officer to head Citibank in the UK. In 1993, John joined Standard Chartered plc as Group Executive Director, based in London and Hong Kong. He joined ANZ as CEO in October 1997 and lives and works in Melbourne. He is Chairman of the Australian Bankers Association, and is a director of the International Monetary Conference, the Australian Business Arts Foundation and the Financial Markets Foundation for Children and is a member of the Business Regulation Advisory Group. He was formerly a director of the Business Council of Australia, the Australian Graduate School of Management, and Axiss Australia. In the UK, he was formerly a director of the London Stock Exchange, Capital Radio plc, the Securities Association, the Auditing Practices Board, Cranfield School of Management and the Financial Law Panel. He also chaired the committee on "The Future Development of Auditing in the United Kingdom and Ireland". John has received a number of banking and finance accreditations and fellowships in the UK, Hong Kong and Australia, and is a Fellow of the Royal Society for Arts. He was awarded the Order of the British Empire in 1995, and in 2003 the Australian Centenary Medal and the inaugural Distinguished Alumnus Award at Cranfield School of Management. Outside work, John enjoys music, personal computing, modern art and keeping fit. His interest in music led him to classical singing at school and university, being the vocalist in a 1960s Scottish rock band, and playing folk guitar in the 1970s. John still plays the acoustic guitar for pleasure.

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Fortune Global 500 Databank

BOB EDGAR - COO AND ACTING MANAGING DIRECTOR, INSTITUTIONAL FINANCIAL SERVICES

BANKING & FINANCE

Bob Edgar is ANZ's COO. He is responsible for overseeing ANZ's specialist businesses on a day-to-day basis as well as operational business plans and performance. He also the Acting Managing Director, Institutional Financial Services. In this role, he oversees all businesses that deal with ANZ's largest corporate and institutional customers. This includes: Institutional Banking, Trade and Transaction Services, Foreign Exchange, Capital Markets, Structured Finance International, Corporate Financing and Advisory, and Asia Corporate. Bob was previously Managing Director, Corporate, and has held a number of senior executive positions at ANZ. He was Managing Director of Esanda Finance Corporation Limited, a wholly owned subsidiary of ANZ. Before this, he was General Manager South Asia at ANZ Grindlays Bank. Based in Bombay, he was responsible for India, Bangladesh and Nepal. Bob joined ANZ in December 1984 as Senior Economist. In May 1986, he was appointed Chief Economist, a position he held until May 1988, when he was appointed Group Executive, Strategic Planning and Economics. Before joining ANZ, Bob held senior positions with the Australian Bankers' Association and, prior to that, worked at the Reserve Bank of Australia. A graduate of the University of Adelaide, he holds a Bachelor of Economics (hons). In 1977, he received a PhD from Ohio State University. Bob is a Fellow of the Australian Institute of Bankers and a Member of the Australian Institute of Directors. He holds various ANZ Group company directorships. PETER MARRIOTT - CFO Peter Marriott was appointed to his current position of CFO in July 1997. He is responsible for all aspects of CFO Units including control of the structure of ANZ's balance sheet, finance management information systems and performance management. CFO Units comprises the Business Information Centre (Group Finance), Group Legal and Company Secretary's Office, Group Performance Management, Group Taxation, Group Treasury and Investor Relations. Peter has been involved in the finance industry for more than 20 years. He joined ANZ in February 1993 as General Manager, Group Accounting and was then appointed Group General Manager, Credit/Risk Management in 1995. Prior to his career at ANZ, Peter was a Partner in the Melbourne office of the then KPMG Peat Marwick. In this role, he was responsible for the co-ordination of KPMG's Melbourne banking and finance practice. He was author of KPMG's International Bank Practice Guide, Chairman of International Banking and Finance Audit and Accounting Group, Chairman of the Australian firm's Information Technology Committee and a member of the international Information Technology Committee. A graduate of Monash University, he holds a Bachelor of Economics (Hons) and is an alumnus of the Wharton Business School, having completed the Advanced Management Program. Peter is a fellow of the Australian Institute of Chartered Accountants, a fellow of the Corporate Treasurers Association, an honorary fellow of the Finance and Treasury Association, an associate fellow of the Australian Institute of Management, a member of the Australian Institute of Company Directors, a member of the Taxation Institute of Australia, and a member of the Information System Auditors Association. PETER HAWKINS - GROUP MANAGING DIRECTOR, GROUP STRATEGIC DEVELOPMENT Peter Hawkins is Group Managing Director, Group Strategic Development at ANZ. He is responsible for the expansion and reshaping of ANZ's businesses, mergers, acquisitions and disposals, and for overseeing the Group's strategic cost agenda. Peter, a member of ANZ's Group Leadership team, also sits on the board of ING Australia Limited, the funds management and life insurance joint venture between ANZ and ING. He has additional board responsibilities for ANZ (NZ) Ltd and Esanda. He was previously Group Managing Director, Personal Financial Services, the former division serving ANZ's personal and small business customers in Australia and New Zealand. Peter joined ANZ in December 1971 at Christchurch, New Zealand, and has had considerable experience in all aspects of banking. Major appointments include: Corporate Accounts Manager (1981); Manager, Project Finance (1982); Senior Manager, Corporate Finance (1982); Senior Manager, Capital Markets (1983); Senior Manager, Syndicated Lending (1984); Regional General Manager, Pacific Treasury (1986); Executive Treasurer, Melbourne (1988); General Manager, Planning and Development, ANZ New Zealand (1990). In March 1991, he was appointed General Manager ­ Asia Pacific, responsible for ANZ's operations in North Asia, South East Asia, Papua New Guinea and the Pacific islands. In September 1992, he was appointed Managing Director, ANZ Banking Group (New Zealand) Limited, where he successfully re-oriented distribution and service delivery, as well as the integration of PostBank into ANZ. In April 1995, he was appointed Chief General Manager Australian Retail Division, becoming Global Head of Personal Banking in November 1997.

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Fortune Global 500 Databank

BANKING & FINANCE

Peter holds a Bachelor of Commerce and Administration (first class honours) degree. In 1989, he attended the Harvard Business School Program for Management Development. From December 1989 to May 1991, Peter was a Director of BHP New Zealand Steel. He is a Director of ANZ (NZ) Limited, Visa International, Visa Asia Pacific and Inovant, a Visa subsidiary. He is a fellow of the Australian Institute of Bankers and the New Zealand Bankers Institute, an associate member of the New Zealand Society of Accountants and a fellow of the Australian Institute of Company Directors. GRAHAM HODGES - GROUP MANAGING DIRECTOR, CORPORATE Graham Hodges is Group Managing Director, Corporate and is responsible for ANZ's Australian Corporate and Business Banking Division. Graham was previously Managing Director, Small to Medium Business and before this was Head of Corporate Banking for Australia and New Zealand. Prior roles with ANZ include State Manager, Business Banking for Victoria and Tasmania; and Regional Executive, Business Banking Melbourne. In 1995, Graham led a project team, which designed and rolled out a customer profitability tool for the Business and Institutional Bank. Graham joined ANZ in 1991 and was appointed Chief Economist in 1992, a post he held for three years. Before ANZ, Graham spent several years with the International Monetary Fund in Washington DC and nine years in Commonwealth Treasury in Canberra. Graham has a Bachelor of Economics (Hons) from Monash University. SELECTED FINANCIAL DATA 30/9/01 A$'000 Total income Profit before tax Profit after tax Total assets Shareholders' equity Earnings per share Dividends per share 12,824,000 2,783,000 1,872,000 172,467,000 10,551,000 A$1.174 A$0.73 30/9/02 A$'000 12,007,000 3,223,000 2,325,000 183,105,000 11,465,000 A$1.473 A$0.85 30/9/03 A$'000 13,023,000 3,277,000 2,351,000 195,591,000 13,787,000 A$1.483 A$0.95 30/9/04 A$'000 17,508,000 3,987,000 2,819,000 259,345,000 17,925,000 A$1.531 A$1.01

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Fortune Global 500 Databank

BANKING & FINANCE

Banca Intesa SpA

Banca Intesa SpA Piazza Paolo Ferrari 10 I-20121 Milano MI Italy Tel: +39 02 879 11 Fax: +39 02 879 42587 [email protected] www.bancaintesa.it Ticker Symbol: Italy: BIN Date of Establishment: 1998 Number of Employees: 56,598 ACTIVITIES Banca Intesa SpA was established in 1998 as a result of the integration of Cariplo and Banco Ambrosiano Veneto. In 1999 Banca Commerciale Italiana joined Gruppo Intesa and as a result of that merger (May 2001) the Group was named IntesaBci. At the Shareholders' Meeting in December 2002, the Bank changed name to Banca Intesa effective 1st January 2003. The Bank operates through 4 business units:· The Retail Division serves Individuals, Small Businesses, Micro Enterprises, SMEs and Non-profit organisations providing retail banking, wealth management, private banking and industrial credit through Banca Intesa Mediocredito. · The Corporate Division serves mid and large Corporates, financial institutions and public administrations providing M&A and structured finance services, merchant banking, capital market through Banca Caboto, global custody and the specialised international network comprising branches, representative offices and subsidiaries focused on corporate banking services. · The Italian Subsidiary Banks Division includes banking subsidiaries operating in regional markets including Cariparma&Piacenza, Banca Popolare FriulAdria, Biverbanca, Banca di Trento e Bolzano and Intesa Casse del Centro. · The International Subsidiary Banks Division includes subsidiaries abroad which provide retail and commercial banking services and are located predominantly in Central-Eastern Europe including Central-European International Bank, Privredna Banka Zagreb - PBZ and Vseobecna Uverova Banka - VUB. COMPETITORS REGION: Europe SECTOR: Banking and Finance SIC Codes: 6082

· UniCredit SpA · Sanpaolo IMI SpA · Capitalia SpA

BOARD OF DIRECTORS Giovanni Bazoli, Chairman Giampio Bracchi, Deputy Chairman René Carron, Deputy Chairman Corrado Passera, Managing Director And Chief Executive Officer Giovanni Ancarani, Director Francesco Arcucci, Director Benito Benedini, Director Antoine Bernheim, Director Jean-Frédéric de Leusse, Director Gilles de Margerie, Director Alfonso Desiata, Director Ariberto Fassati, Director Giancarlo Forestieri, Director

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Fortune Global 500 Databank

Paolo Fumagalli, Director Jorge Manuel Jardim Gonçalves, Director Jean Laurent, Director Giangiacomo Nardozzi, Director Eugenio Pavarani, Director Giovanni Perissinotto, Director Mariano Riestra, Director Ugo Ruffolo, Director Eric Strutz, Director Gino Trombi, Director EXECUTIVES Pier Francesco Saviotti, Credit General Manager Giulio Bellan, Head of Real Estate and Procurement Giorgio Bossi, Head of Security Mario Ciaccia, Head of Institutional Relations Vittorio Conti, Head of Risk Management Renato Dalla Riva, Head of Internal Auditing Romano de Carlo, Head of Ict Systems Gregorio de Felice, Head of Research Paolo Grandi, Head of Corporate Development Vincenzo La Via, Head of Finance and Treasury Elisabetta Lunati, Head of Legal Affairs Vittorio Meloni, Head of External Relations Carlo Messina, Head of Planning and Control Francesco Micheli, Head of Human Resources and Organisation Ernesto Riva, Head of Administration Rodolfo Zani, Head of Safety and Protection Massimo Arrighetti, Head of Retail Division Stefano Calderano, Head of Marketing Retail Fabio Bolognini, Head of Marketing SMES Paolo Molesini, Head of Private Banking Gennaro Massimino de Simone, Head of Direct Channels Claudio Zazzeri, Head of Customer Satisfaction Maurizio Manzotti, Head of Operations Mario Giordani, Head of Systems and Technologies Franco Ceruti, Head of Lombardy 1 Michele Angelo Donghi, Head of Lombardy 2 Franco Dall'armellina, Head of North East Rino Cunterio, Head of North West Franco Gallia, Head of Centre Vincenzo D'alessio, Head of South Salvatore Poloni, Head of Human Resources and Organisation Marco Hahn, Head of Planning and Control Gaetano Micciche', Head of Corporate Division Giuseppe Castagna, Head of Corporate Relations Giovanni Gorno Tempini, Head of Investment Banking and Capital Markets Rony Hamaui, Head of Financial Institutions Mario Ciaccia, Head of Government and Infrastructures Franco Zibordi, Head of Finance Operations Marco Cerrina Feroni, Head of Merchant Banking Francesco de Francesco, Head of Human Resources and Organisation Francesco Introzzi, Head of Planning and Control Fabio Cane', Head of Financial Restructuring Giovanni Boccolini, Head of Italian Subsidiary Banks Division Paolo Borin, Head of Coordination of Italian Commercial Banks Rosario Strano, Head of Human Resources and Organisation Giovanni Boccolini, Head of International Subsidiary Banks Division Fabrizio Centrone, Head of Coordination of American Commercial Banks Massimo Pierdicchi, Head of Coordination of European Commercial Banks Rosario Strano, Head of Human Resources and Organisation SELECTED FINANCIAL DATA 31/12/01 '000 Net interest income Income before taxes Net income Total assets Shareholders' equity Interest income 928,244 314,897,484 14,141,000 31/12/02 '000 5,316,000 1,799,000 1,014,000 280,733,000 13,721,000 31/12/03 '000 4,937,000 1,718,000 1,214,000 259,678,000 15,093,000 10,072,000

BANKING & FINANCE

31/12/04 '000 4,962,000 2,693,000 1,884,000 274,598,000 15,564,000 9,470,000

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Fortune Global 500 Databank

BANKING & FINANCE

Banco Bilbao Vizcaya Argentaria SA

Banco Bilbao Vizcaya Argentaria SA Gran Vía 1 E-48001 Bilbao (Vizcaya) Spain Tel: +34 4 487 55 55 Fax: +34 4 487 61 61 [email protected] www.bbva.es Ticker Symbol: New York: BBV Date of Establishment: 1999 Number of Employees: 86,197 ACTIVITIES Banco Bilbao Vizcaya Argentaria SA provides banking and financial services including private banking, retail banking, corporate banking, wholesale banking, investment banking, insurance and pension management. The Company operates in the following business areas:· Retail Banking in Spain and Portugal: retail banking, asset management and private banking businesses in Spain and Portugal. · Wholesale and Investment Banking: business activities with large companies and institutions through national and international corporate banking and institutional banking. · America: activities of the Company's subsidiary banks in Latin America and of their investees, including pension management companies and insurance companies, as well as the International Private Banking business. · Corporate Activities: holdings in large industrial corporations and in financial entities, as well as the activities and results of the support units. QUICK FACTS 2003 breakdown of total assets as follows:· Spain and rest of the World: 76.0% · Latin America: investment grade: 19.2% · Latin America: non-investment grade: 4.8% Formed through the merger of BBV and Argentaria on October 19th, 1999. 2003 summarized financials for the Retail Banking in Spain and Portugal business area as follows:· · · · · · Net interest income 3,221 mn Ordinary revenues 4,741 mn Profit before tax 1,970 mn Net profit 1,320 mn Total assets 112,481 mn ROE 30.9% REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6159 6282 6399 6411 6552

2003 summarized financials for the Wholesale and Investment Banking business area as follows:· · · · · · Net interest income 678 mn Ordinary revenues 979 mn Profit before tax 644 mn Net profit 509 mn Total assets 158,644 mn ROE 23.0%

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Fortune Global 500 Databank

2003 summarized financials for the America business area as follows:· · · · · · COMPETITORS Net interest income 2,790 mn Ordinary revenues 4,616 mn Profit before tax 1,529 mn Net profit 1,160 mn Total assets 73,778 mn ROE 24.0%

BANKING & FINANCE

· Banco Popular Español SA · Grupo Financiero Banamex · Banco Santander Central Hispano SA

BOARD OF DIRECTORS Francisco González Rodríguez, Chairman and CEO José Ignacio Goirigolzarri Tellaeche, President and COO Juan Carlos Alvarez Mezquiriz, Director Richard C Breeden, Director Ramón Bustamante y de la Mora, Director José Antonio Fernández Rivero, Director Ignacio Ferrero Jordi, Director Román Knörr Borrás, Director Ricardo Lacasa Suárez, Director Carlos Loring Martínez de Irujo, Director José Maldonado Ramos, Director Enrique Medina Fernández, Director Susana Rodríguez Vidarte, Director José María San Martín Espinós, Director Angel Vilá Boix, Director EXECUTIVES Francisco González Rodríguez, Chairman and CEO José Ignacio Goirigolzarri Tellaeche, President and COO Eduardo Arbizu, Legal Department José Sevilla, Chairman's Officer Javier Ayuso, Corporate Communications Rafael Pardo, BBVA Foundation Julio López, Retail Banking Vitalino Nafría, Latin America José María Abril, Wholesale & Investment Banking Ignacio Sánchez-Asiaín, Operating Resources Manuel Méndez, Risk Control Ángel Cano, Human Resources & General Services Manuel Castro, Business Development Javier Bernal, Innovation & Development

SELECTED FINANCIAL DATA 31/12/01 '000 Financial revenues Profit after tax Net profit Share capital Total assets Earnings per share Dividends per share 3,634,000 3,009,000 1,566,000 309,246,000 18.80 0.383 31/12/02 '000 17,233,000 3,119,000 2,466,000 1,566,000 279,542,000 17.0 0.348 31/12/03 '000 12,537,000 3,812,000 2,897,000 1,566,000 287,150,000 15.7 0.384 31/12/04 '000 12,466,000 4,149,000 3,192,000 1,566,000 311,072,000 15.8 0.442

© Research Bank 2006

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Fortune Global 500 Databank

LOCATIONS · MAIN BRANCHES ABROAD · BELGIUM Avenue des Arts, 43 B-1040 Bruxelles Belgium Tel: +32 2 5123262 Fax: +32 2 5129318 · CAYMAN ISLANDS P.O. Box 1115 Elizabethan Square, 4th Fl. Georgetown Grand Cayman Cayman Islands Tel: +1 345 9497790 Fax: +1 345 9499086 · HONG KONG 63/F - 02 Central Plaza 18 Harbour Road Wanchai Hong Kong Tel: +852 25823111 Fax: +852 28244868 · FRANCE 29 Avenue de L'Opéra 75017 Paris CEDEX 01 France Tel: +33 1 44868300 Fax: +33 1 44868488 · UNITED KINGDOM 108 Cannon Street London EC4N 6EU UK Tel: +44 20 76233060 Fax: +44 20 79294718 · ITALY MILAN Via Cino del Duca, 8 20122 Milano Italy Tel: +39 2 762961 Fax: +39 2 76296266 · PUERTO RICO Torre BBVA, piso 3 254 Ave. Muñoz Rivera San Juan, PR 00918 Puerto Rico Tel: +1 787 7772200 Fax: +1 787 7772217 · UNITED STATES One Biscayne Tower 2 South Biscayne Blvd., suite 3301 Miami FL 33131 USA Tel: +1 305 3717544 Fax: +1 305 5774811 1345 Av. of the Americas 45th Fl New York NY 10105 USA Tel: +1 212 7281500 Fax: +1 212 3332906

BANKING & FINANCE

© Research Bank 2006

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Fortune Global 500 Databank

· REPRESENTATIVE OFFICES · BELGIUM Avenue des Arts, 43 B-1040 Bruxelles Belgium Tel: +32 2 5123262 Fax: +32 2 5129318 · BRAZIL Avda. Rio Branco, 1 Sala. 709 Centro 20090 - 003 Rio de Janeiro Brazil Tel: +55 21 2031282 Fax: +55 21 2339741 Rua Campos Bicudo, 98 15º - cj 152 Jardim Europa 04536-010 Sao Paulo Brazil Tel: +55 11 37093500 Fax: +55 11 37093506 · CHILE Av. Pedro de Valdivia 100 Piso 14 Torre Provida Providencia Santiago Chile Tel: +56 2 2314199 Fax: +56 2 2344918 · CHINA BBVA Room 508 Tower 1 Bright China Chang An Building Nº 7 Jianguomen Nei Avenue Dongcheng District Beijing 100005 China Tel: +86 10 65123838 Fax: +86 10 65239154 · COLOMBIA Edificio Teleport Calle 114, nº 9-01, Torre A, piso 7, Oficina 710 Santa Fe de Bogotá D.C. Colombia Tel: +57 1 6291717 Fax: +57 1 6291742 · CUBA 5ª Avenida 4205 e/42 y 44 Miramar - La Habana Cuba Tel: +537 240600 Fax: +537 249279 · GERMANY Bettinastrasse, 62 60325 Frankfurt Main Germany Tel: +49 69 74381000 Fax: +49 69 7432791

BANKING & FINANCE

© Research Bank 2006

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Fortune Global 500 Databank

· INDONESIA Suite 1704-BRI II Building Hl. Jend. Sudirman Fav. 44-46 Jakarta 10210 Indonesia Tel: +62 21 5735006 Fax: +62 21 5735009 · IRAN 4th. Floor, No 33 Sepid Building, 16th street Shahid Ahmad Ghasir Ave. Teheran 15148 Iran Tel: +98 21 8501489 Fax: +98 21 8734395 · JAPAN Fukoku Seimei Bldg. 12th floor 2-2-2 Uchisaiwai-cho Chiyoda-ku 100-0011 Tokyo Japan Tel: +81 3 35011076 Fax: +81 3 35970249 · MEXICO Rubén Darío, 281, piso 21 Col. Bosques de Chapultepec Delegación Miguel Hidalgo 11580 México D.F. Mexico Tel: +52 5 2807608 Fax: +52 5 2807497 · PERU Av. de las Begonias, 441-451 ofc. 225-226 San Isidro Lima 27 Peru Tel: +51 1 2217107 Fax: +51 1 2218008 · RUSSIA Bolshoy Gnezdnikovsky Pereulok 1/2; 5th Floor 103 009 Moscow Russia Tel: +7 95 7972415 Fax: +7 95 7972413 · VENEZUELA Torre Hener piso 5, Oficina 5B - El Rosal Avda. Guaicaipuro c/c Mohedano 1060 Caracas Venezuela Tel: +58 212 9511658 Fax: +58 212 9517763

BANKING & FINANCE

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Fortune Global 500 Databank

· BANKS ABROAD · ANDORRA BANC INTERNACIONAL D'ANDORRABANCA MORA Avenida Meritxel, 96 Andorra Tel: +376 884488 Fax: +376 884499 · ARGENTINA BBVA BANCO FRANCÉS Rivadavia, 49 D.P. 1002 Buenos Aires Argentina Tel: +54 11 43464000 Fax: +54 11 43345618 · CHANNEL ISLANDS BBVA PRIVANZA BANK (JERSEY) LTD. 2, Mulcalster Str. St. Helier Jersey JE4 4WP Channel Islands Tel: +44 1534 511200 Fax: +44 1534 511201 · CHILE BBVA CHILE Pedro Valdivia, 100 Providencia Santiago Chile Tel: +56 2 6791000 Fax: +56 2 6791350 · COLOMBIA BBVA BANCO GANADERO Carrera Novena, nº 72- 21 piso 5º Apdo. 53851/859 Santa Fe de Bogotá Colombia Tel: +57 1 3124666 Fax: +57 1 3214653 · GIBRALTAR BBVA PRIVANZA INTERNATIONAL (GIBRALTAR) LTD. 260-262 Main Street Gibraltar Tel: +9567 79420 Fax: +9567 73870 · MEXICO BBVA BANCOMER Avda. Universidad, 1200 Colonia Xoco CP 03339 México D.F. Mexico Tel: +52 5 55-6213434 Fax: +52 5 55-6212905 · PANAMA BBVA PANAMÁ Av. Balboa esq. Calles 42 y 43 Apdo. 8673 Panamá, 5 Panama Tel: +507 2271122 Fax: +507 2253744

BANKING & FINANCE

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Fortune Global 500 Databank

· PARAGUAY BBVA PARAGUAY Yegros 435 y 25 de Mayo Asunción Paraguay Tel: +595 21 492072 Fax: +595 21 448103 · PERU BBVA CONTINENTAL Avda. República de Panamá 3055 - 3065 San Isidro Lima 27 Peru Tel: +51 1 2110006 Fax: +51 1 2112463 · PORTUGAL BBVA PORTUGAL Avda. da Liberdade, 222 1200-148 Lisboa Portugal Tel: +351 21 3117200 Fax: +351 21 3117500 · PUERTO RICO BBVA PUERTO RICO Torre BBVA, piso 15 254 Ave. Muñoz Rivera San Juan, PR 00918 Puerto Rico Tel: +1 787 777 2000 Fax: +1 787 274 5488 · SWITZERLAND BBVA SUIZA (SUIZA) Zeltweg, 63 Postfach 8021 8023 Zürich Switzerland Tel: +41 1 2659511 Fax: +41 1 2519014 · URUGUAY BBVA BANCO URUGUAY 25 de Mayo, 401 esquina Zabala 11000 Montevideo Uruguay Tel: +598 2 9161444 Fax: +598 2 9165131 · VENEZUELA BBVA BANCO PROVINCIAL Centro Financiero Provincial Avda. Este 0. San Bernardino 1011 Caracas Venezuela Tel: +58 212 5045111 Fax: +58 212 5041765

BANKING & FINANCE

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Fortune Global 500 Databank

BANKING & FINANCE

Banco Bradesco SA

Banco Bradesco SA Cidade de Deus Vila Yara Osasco, SP 06029-900 Brazil Tel: +55 11 3684 9229 Fax: +55 11 3684 4570 www.bradesco.com.br Ticker Symbol: New York: BBD Date of Establishment: 1943 Number of Employees: 73,644 ACTIVITIES Banco Bradesco SA provides banking and financial services. REGION: Latin America SECTOR: Banking and Finance SIC Codes: 6021 6029

COMPETITORS

· Banco do Estado de São Paulo SA · Unibanco Holdings SA · Banco Itaú SA

BOARD OF DIRECTORS Lázaro de Mello Brandão, Chairman Antônio Bornia, Vice Chairman Mário da Silveira Teixeira Júnior, Director Márcio Artur Laurelli Cypriano, Director João Aguiar Alvarez, Director Denise Aguiar Alvarez Valente, Director Raul Santoro de Mattos Almeida, Director Ricardo Espírito Santo Silva Salgado, Director EXECUTIVES Márcio Artur Laurelli Cypriano, Chief Executive Officer Décio Tenerello, Executive Vice President Laércio Albino Cezar, Executive Vice President Arnaldo Alves Vieira, Executive Vice President Luiz Carlos Trabuco Cappi, Executive Vice President Sérgio Socha, Executive Vice President Julio de Siqueira Carvalho de Araujo, Executive Vice President Milton Almicar Silva Vargas, Executive Vice President José Luiz Acar Pedro, Executive Vice President Norberto Pinto Barbedo, Executive Vice President Armando Trivelato Filho, Managing Director Carlos Alberto Rodrigues Guilherme, Managing Director José Alcides Munhoz, Managing Director José Guilherme Lembi de Faria, Managing Director Luiz Pasteur Vasconcellos Machado, Managing Director Milton Matsumoto, Managing Director Cristiano Queiroz Belfort, Managing Director Sérgio de Oliveira, Managing Director Odair Afonso Rebelato, Managing Director Aurélio Conrado Boni, Managing Director Domingos Figueiredo de Abreu, Managing Director Paulo Eduardo D'Avila Isola, Managing Director Ademir Cossiello, Managing Director

© Research Bank 2006

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Fortune Global 500 Databank

SELECTED FINANCIAL DATA 31/12/01 R$'000 Net interest income Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share ANALYST COVERAGE ABN AMRO REAL Ágora Senior CTVM S/A Banco Itaú BBA Banco Pactual SA Bear Stearns & Co Inc BBVA Brasil Fator Corretora HSBC Investment Bank ING Barings JP Morgan Securities Inc Merrill Lynch & Co Morgan Stanley Dean Witter 9,493,000 2,838,000 2,270,000 108,295,000 9,789,000 R$5.05 R$1.87 31/12/02 R$'000 13,467,000 2,288,000 2,142,000 129,875,000 10,852,000 R$4.74 R$1.88 31/12/03 R$'000 14,999,000 2,656,000 2,302,000 166,330,000 13,592,000 R$4.78 R$2.09

BANKING & FINANCE

31/12/04 R$'000 14,804,000 3,940,000 3,327,000 177,079,000 15,559,000 R$6.67 R$2.80

© Research Bank 2006

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Fortune Global 500 Databank

BANKING & FINANCE

Banco do Brasil SA

Banco do Brasil SA SBS Quadra 01 Bloco C Edificio Sede III-24 andar Brasília DF 70089-901 Brazil Tel: +55 61 310 3400 Fax: +55 61 310 3735 [email protected] www.bb.com.br Ticker Symbol: State-owned company Date of Establishment: 1808 Number of Employees: 80,600 ACTIVITIES Banco do Brasil SA provides banking and financial services REGION: Latin America SECTOR: Banking and Finance SIC Codes: 6021

COMPETITORS

· Banco do Estado de São Paulo SA · Caixa Economica Federal · Itaúsa - Investimentos Itaú SA

BOARD OF DIRECTORS Bernard Appy, Chairman Rossano Maranhão Pinto, President José Carlos Rocha Miranda, Director Carlos Augusto Vidotto, Director Francisco Augusto da Costa e Silva, Director Tarcísio José Massote de Godoy, Director João Carlos Ferraz, Director EXECUTIVES Rossano Maranhão Pinto, President Edson Machado Monteiro, Vice-President for Retail and Distribution Antônio Francisco de Lima Neto, Vice-President for International Businesses and Wholesale José Luiz de Cerqueira César, Vice-President for Technology and Infrastructure Ricardo Alves da Conceição, Vice-President for Agribusiness and Government Affairs Adézio de Almeida Lima, Vice-President for Credit and Risk Management Luiz Eduardo Franco de Abreu, Vice-President for Finance, Capital Market and Investor Relations Luiz Oswaldo Sant'Iago Moreira de Souza, Vice-President for Human Resources and Social-Environmental Responsibility SELECTED FINANCIAL DATA 31/12/01 R$'000 Income Income before taxes Net income Shareholders' equity Total assets Earnings per 1,000 shares 1,449,089 1,081,952 8,747,353 165,120,024 R$1.52 31/12/02 R$'000 36,726,598 3,360,610 2,027,676 9,197,065 204,594,608 R$2.77 31/12/03 R$'000 33,838,022 4,721,394 2,380,982 12,171,798 230,144,447 R$3.25 31/12/04 R$'000 30,770,065 4,737,556 3,024,006 14,105,696 239,014,143 R$3.78

© Research Bank 2006

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Fortune Global 500 Databank

BANKING & FINANCE

Banco Santander Central Hispano

Banco Santander Central Hispano Plaza de Canalejas 1 E-28014 Madrid Spain Tel: +34 1 558 10 31 Fax: +34 1 522 66 70 [email protected] www.gruposantander.com Ticker Symbol: New York: STD Date of Establishment: 1857 Number of Employees: 126,488 ACTIVITIES Banco Santander Central Hispano provides banking and financial services. In 2003, the Bank was the world's 11th largest bank in terms of market capitalization. The Company operates in the following business areas:· European Retail Banking: includes the banking activities of the different networks and specialized units in Europe, mainly with individual clients and SMEs, as well as private and public institutions. Net attributable income generated in 2003 was 1,761 mn. The European Retail Banking area is split into five units:- Santander Central Hispano, Banesto, Totta (Portugal), Santander Consumer Finance, On-line banking. Patagon. · Retail Banking Latin America: universal banking activities in Latin America through its subsidiary banks and finance companies. Net attributable income generated in 2003 was 1,064 mn. Main units are Santander Banespa (Brazil), Santander Serfin (Mexico), Santander Chile (Chile), Bancos Santander (Puerto Rico), Bank of Venezuela (Venezuela). · Asset Management and Private Banking: Net attributable income generated in 2003 was 320 mn. Activities include Mutual and pension funds and bancassurance in Spain and abroad through Santander Central Hispano Asset Management, Private Banking in Spain - Banif - and abroad - International Private Banking. · Global Wholesale Banking: corporate banking in Spain and Europe, the Madrid and New York treasuries and the investment banking business worldwide. Net attributable income generated in 2003 was 225.6 mn. In 2004, the Group acquired UK Bank, Abbey making the Group the 10th largest bank globally by market capitalisation. QUICK FACTS 2004 vs. 2003 net operating income by business area:· · · · · European Retail Banking 3,918.7 mn vs. 3,329.5mn Retail Banking Latin America 1,741.2 mn vs. 1,653.6 mn Asset Management & Private Banking 479.1 mn vs. 416.6 mn Global Wholesale Banking 412.7 mn vs. 383.2 mn Financial Management and Equity Stakes (6.5 mn) vs. (62.3 mn) REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6029

Return on equity by year:· · · · 2004 15.98% 2003: 14.48% 2002: 12.42% 2001: 13.86%

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Fortune Global 500 Databank

2004 return on equity by business area:· · · · European Retail Banking 19.50% Retail Banking Latin America 26.87% Asset Management & Private Banking 63.67% Global Wholesale Banking 20.87%

BANKING & FINANCE

2003 Number of Branches - Market Share - Customers by country:· · · · · · · · · Spain 4,369 - 18% - 12.5 mn Portugal 670 - 11% - 1.7 mn Brazil 1,874 - 4.5/10% - 6.7mn Mexico 1,018 - 14.1% - 7.4 mn Chile 370 - 18.5% - 2.3 mn Puerto Rico 72 - 12% - 0.3 mn Venezuela 248 - 11.7% - 1.5 mn Colombia 87 - 4.6% - 1.2 mn Argentina 312 - 10.6% - 3.5 mn

2003 breakdown of net attributable income by business line:· · · · COMPETITORS European Retail Banking 52% Retail Banking Latin America 32% Asset Management & Private Banking 9% Global Wholesale Banking 7%

· Banco Bilbao Vizcaya Argentaria SA · HSBC Holdings plc · Deutsche Bank AG

BOARD OF DIRECTORS Emilio Botín-Sanz de Sautuola y García de los Ríos, Chairman Jaime Botín-Sanz de Sautuola y García de los Ríos, First Vice-Chairman Alfredo Sáenz Abad, Second Vice-Chairman and CEO Matías Rodríguez Inciarte, Third Vice-Chairman Manuel Soto Serrano, Fourth Vice-Chairman Juan Abelló Gallo, Director José Manuel Arburúa Aspiunza, Director Assicurazioni Generali S p A, Director Fernando de Asúa Álvarez, Director Antonio Basagoiti García-Tuñón, Director Ana Patricia Botín-Sanz de Sautuola y O'Shea, Director Emilio Botín-Sanz de Sautuola y O'Shea, Director Guillermo de la Dehesa Romero, Director Rodrigo Echenique Gordillo, Director Antonio Escámez Torres, Director Francisco Luzón López, Director Elías Masaveu y Alonso del Campo, Director Sir George Mathewson, Director Abel Matutes Juan, Director Luis Alberto Salazar-Simpson Bos, Director Antonio de Sommer Champalimaud, Director Ignacio Benjumea Cabeza de Vaca, Director Juan Guitard Marín, Director EXECUTIVES Alfredo Sáenz Abad, Second Vice-Chairman and CEO Francisco Gómez Roldan, Chief Financial Officer

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Fortune Global 500 Databank

SELECTED FINANCIAL DATA 31/12/01 '000 Interest income Income before taxes Net income Share capital Total assets Earnings per share Dividends per share ANALYST COVERAGE Ahorro Corporación Financiera Banesto Bolsa Bankinter BBVA Research BCP Dealer Beta Capital Bernstein BPI Caja Madrid Bolsa Citigroup Crédit Agricole Cheuvreux Credit Suisse First Boston Deutsche Bank Dexia Dresdner Kleinwort Benson Espirito Santo Exane Fideuram Wargny Fidentiis Fox-Pitt Kelton Ltd Goldman Sachs Grupo Safei HSBC Ibersecurities ING Barings Intermonte Invercaixa Valores IXIS Securities JP Morgan Kepler Equities KBW Lehman Brothers Link Securities Merck Finck & Co Merrill Lynch Morgan Stanley Norbolsa Société Générale Standard & Poor's UBS Urquijo Bolsa y Valores Venture Finanzas WestLB LOCATIONS · ARGENTINA Banco Río de la Plata Bartolomé Mitre 480 13º 1036 Buenos Aires Argentina Tel: +54 143411000 Fax: +54 143411074 Banespa Sucursal Calle Tucumán 821 2177 Buenos Aires Argentina Tel: +54 13259533 Fax: +54 13259527 17,203,700 4,237,305 2,486,303 2,329,681 358,137,500 0.6854 0.2885 31/12/02 '000 22,711,338 3,508,749 2,247,177 2,384,201 324,208,100 0.6139 0.2885 31/12/03 '000 17,203,740 4,101,440 2,610,819 2,384,201 351,790,500 0.6571 0.3029

BANKING & FINANCE

31/12/04 '000 18,103,835 4,434,618 3,135,558 3,127,148 575,397,879 0.7243 0.3332

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Fortune Global 500 Databank

Santander Central Hispano Oficina de Representación Rivadavia 611, piso 11 1002 Buenos Aires Argentina Tel: +54 11 4331 1671 Fax: +54 11 4334 2110 Banesto Oficina de Representación Carlos Pellegrini Nº 1163, piso 10 1009 Buenos Aires Argentina Tel: +54 11 439 454 37 Fax: +54 11 432 524 23 · BOLIVIA Banco Santa Cruz Calle Junin 154 Santa Cruz Bolivia Tel: +591 3 369911 Fax: +591 3 342440 · BRAZIL Banco Santander Brasil Rua Amador Bueno 474, Santo Amaro 04752-000 Sao Paulo Brazil Tel: +55 11 253669 Fax: +55 11 55388232 Banespa Oficina de Representación Av. Paulista 810 3º Andar 01310-100 Sao Paulo Brazil Tel: +55 11 253669 Fax: +55 11 32497569 Santander Central Hispano Oficina de Representación Alameda Itu, 852-8 andar-Bairro Cerqueira Cesar 01421-001 Sao Paulo ­ SP Brazil Tel: +55 11 30899590 Fax: +55 11 30899592 · CHILE Banco Santander Santiago Bandera 140 Santiago de Chile Chile Tel: +56 2 3202000 Fax: +56 2 3208877 Santander Central Hispano Oficina de Representación Av. Andrés Belló 2777 Edf. de la Industria piso 17-Of 1702 Las Condes Chile Tel: +56 2 203 3303 Fax: +56 2 203 3304 · COLOMBIA Banco Santander Colombia Carrera 7- nº 99-53 piso 21 Santa Fé de Bogotá Colombia Tel: +57 1 3340005 Fax: +57 1 3340013

BANKING & FINANCE

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Fortune Global 500 Databank

Santander Central Hispano Oficina de Representación Edf. Teleport Business Park Calle 114 nº 9 - 01 torre A Of. 801 Santa Fé de Bogotá Colombia Tel: +57 1 6291848 Fax: +57 1 6291626 · PARAGUAY Banco de Asunción Banco Palma Esquina 14 de Mayo Asunción Paraguay Tel: +595 21 417700 Fax: +595 21 497800 Banespa Sucursal Calle Independencia Nacional esq. Fulgencio R. Moreno 2211 Asunción Tel: +595 21 494981 Fax: +595 21 494985 · URUGUAY Banco Santander Uruguay Cerrito 449 esq. Misiones Montevideo Tel: +598 2 9170970 Fax: +598 2 9161110 · VENEZUELA Santander Central Hispano Oficina de Representación Edificio Bancaracas piso 8 Of.1, Plaza de la Castellana 1060 Caracas Venezuela Tel: +58 212 263 2730 Fax: +58 212 2632860 Banesto Oficina de Representación Av. Fco. de Miranda Centro Lido, Torre A, piso 106-A El Rosal Caracas Venezuela Tel: +58 212 953 2114 Fax: +58 212 953 0946 Banco Totta Oficina de Representación Av. Principal de la Castellana, Torre Banco Lara piso 8 Of. A-1 1060 Caracas Venezuela Tel: +58 212 2610597 Fax: +58 212 2618661 · PERU AFP Unión Vida Pasaje los Delfines, 159 Urb. Las Gardenias Surco Lima Peru Tel: +51 1 2171000 Fax: +51 1 2171055

BANKING & FINANCE

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Fortune Global 500 Databank

Santander Central Hispano Investment SAB Av. Canaval y Moreyra 380 oficina 701 San Isidro Lima 27 Peru Tel: +51 1 2158100 Fax: +51 1 2158175 Santander Central Hispano Oficina de Representación Centro Empr. Pardo y Aliaga Av. Pardo y Aliaga 699 Piso 9 San Isidro Lima 27 Peru Tel: +51 1 441 4040 Fax: +51 1 442 1506

BANKING & FINANCE

© Research Bank 2006

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Fortune Global 500 Databank

BANKING & FINANCE

Bank of America Corporation

Bank of America Corporation Bank of America Corporate Center 100 N Tryon Street Charlotte NC 28255 United States Tel: +1 704 386 1845 Fax: +1 704 386 6699 www.bankofamerica.com Ticker Symbol: New York: BAC Number of Employees: 133,500 ACTIVITIES Bank of America Corporation is a financial holding company with interests in commercial banking and the provision of financial services. Bank of America Corporation operates through three primary banking subsidiaries:· Bank of America NA · Bank of America NA (USA) · Fleet National Bank QUICK FACTS 2004 total revenue by segment:· · · · · Global Consumer and Small Business Banking $26,857 mn Global Business and Financial Services $6,722 mn Global Capital Markets and Investment Banking $9,049 mn Global Wealth and Investment Management $5,918 mn All Other $1,064 mn REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029

Bank of America Corporation has 4,277 banking centers, 13,241 ATMs throughout 21 states 2004 total assets by geographic region:· · · · United States: $1,046,639 mn Asia: $21,658 mn Europe, Middle East and Africa: $27,536 mn Latin America & the Caribbean: $14,624 mn

COMPETITORS

· Wells Fargo & Co · Citigroup Inc · Wachovia Corporation

BOARD OF DIRECTORS William Barnett III, Director Charles W Coker, Director John T Collins, Director Gary L Countryman, Director Paul Fulton, Director Chad Gifford, Chairman Kenneth D Lewis, Chairman, Chief Executive Officer and President

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Fortune Global 500 Databank

Walter E Massey, Director Thomas J May, Director Patricia E Mitchell, Director Edward L Romero, Director Thomas M Ryan, Director O Temple Sloan Jr, Director Meredith R Spangler, Director Jackie M Ward, Director EXECUTIVES Ken Lewis, Chairman, Chief Executive Officer and President Steele Alphin, Global Personnel Executive Cathy Bessant, Global Chief Marketing Officer Amy Brinkley, Global Risk Executive Al de Molina, Chief Executive Officer, Banc of America Securities Barbara Desoer, Global Technology, Service & Fulfillment Executive Milton Jones, Global Quality & Productivity Executive Liam McGee, President, Global Consumer & Small Business Banking Brian Moynihan, President, Global Wealth & Investment Management Marc Oken, Chief Financial Officer Gene Taylor, President, Global Business & Financial Services BIOGRAPHIES KENNETH D. LEWIS - CHAIRMAN, CHIEF EXECUTIVE OFFICER AND PRESIDENT Kenneth D. Lewis is chairman, chief executive officer and president of Bank of America.

BANKING & FINANCE

As CEO of Bank of America, Lewis leads one of the world's largest financial institutions, the fifth most profitable company in the world and the ninth most highly valued company in the world by market capitalization. Lewis' company serves 38 million consumers and business clients through almost 5,900 retail banking offices in the U.S., corporate banking offices in 150 countries, 16,700 ATMs and the #1 online banking and bill-paying service in the nation. During his tenure, Bank of America has improved customer satisfaction by 29% and posted average annual total shareholder returns that have consistently outpaced peers, the KBW Banks Index, the S&P 500 and the Dow Jones Industrial Average. Lewis joined North Carolina National Bank (NCNB, predecessor to NationsBank and Bank of America) in 1969 as a credit analyst in Charlotte and served as corporate banking officer and Western Area director in the U.S. Department before being named manager of NCNB's International Banking Corporation in New York in 1977. He was named Middle Market Group executive in 1983 when the group was created and was responsible for expanding and improving service to middle market companies throughout the Southeast. He led the bank's operations in Florida and Texas in the 1980s, served as president of Consumer and Commercial Banking and chief operating officer in the 1990s, and was named chairman, chief executive officer and president of Bank of America in 2001. In 2002, Lewis was recognized as Banker of the Year by American Banker and as Top Chief Executive Officer by U.S. Banker. Lewis was born April 9, 1947, in Meridian, Mississippi. He earned a bachelor's degree in finance from Georgia State University, and is a graduate of the Executive Program at Stanford University. Lewis is a member of the Financial Services Roundtable; a member of the board and the executive committee and past chairman of United Way of Central Carolinas, Inc.; a member of the Committee to Encourage Corporate Philanthropy; a director of the Homeownership Education and Counseling Institute; and past chairman of the National Urban League. J. STEELE ALPHIN - GLOBAL PERSONNEL EXECUTIVE J. Steele Alphin is Global Personnel Executive for Bank of America and a member of the bank's Operating Committee. Alphin joined the bank in 1977 working in the Consumer Bank in Chapel Hill, N.C. He moved to Charlotte in 1980 as a compensation analyst in Personnel. He moved to Tampa in 1984 to become Regional Personnel manager and was named Personnel director of the Florida bank in 1985. Alphin returned to Charlotte in 1988 as Corporate Personnel division executive for the Eastern bank, with Personnel responsibilities for the General Bank, Institutional Bank, Credit Policy and Recruiting. He moved to Atlanta in 1992 as Corporate Personnel division executive supporting the General Bank, Asset Management Group and Financial Products and returned to Charlotte in 1994 with nationwide responsibility for the Personnel functions of the Consumer & Commercial Bank and Wealth Management. He was named to his current post in 1999. A native of Windsor, Va., Alphin earned his bachelor's degree in history from the University of North Carolina at Chapel Hill. Alphin is a member of the board of the Bank Administration Institute and member of UNC Board of Visitors, Class of 2006. He formerly served on the boards of INROADS in Atlanta and the Providence Day School in Charlotte.

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Fortune Global 500 Databank

CATHERINE P. BESSANT - GLOBAL CHIEF MARKETING OFFICER

BANKING & FINANCE

Catherine P. Bessant is global chief marketing officer for Bank of America. Her functional responsibilities for world-wide marketing include customer analytics and research, brand, advertising, electronic marketing, sponsorships and event marketing. Bessant most recently was president of Bank of America, Florida, and national Small Business Segment executive. The company has more than 2 million small business customers in the United States and, with more than 700 banking centers, is the largest consumer and commercial bank in Florida. Prior to these roles, Bessant was president of Consumer Real Estate and Community Development Banking, where she was responsible for developing and executing the Bank of America consumer real estate, mortgage and community development financing strategies. She led Bank of America mortgage lending and operations nationwide, as well as the full complement of Bank of America community development activities. Bessant joined the company in 1982 as a corporate banking officer in the National Division. A native of Jackson, Michigan, Bessant earned a bachelor's degree in business administration, with concentrations in Finance, Marketing and English literature, from the University of Michigan School of Business Administration. Bessant is a member of the board of directors of Blue Cross Blue Shield of Florida, Inc., chairperson of the executive committee of the board of trustees of the Enterprise Foundation, a board member of the Ad Council, 2005 Chair of The Charlotte Chamber of Commerce, and a member of the board of directors of Children's Theatre of Charlotte. Bessant and her husband, John E. Clay, have two children. MARC D. OKEN - CHIEF FINANCIAL OFFICER Marc Oken was named Chief Financial Officer for Bank of America in April 2004. He also has responsibility for the Bank of America/FleetBoston merger transition. As CFO, he has responsibility for Finance, Supply Chain Management, Corporate Treasury, Corporate Investments, Corporate Workplace and Investor Relations. Previous to his appointment as CFO, Mr. Oken was Principal Financial Executive, a position he held since joining the bank in 1989. From 1981 to 1983, Mr. Oken was a Fellow with the Securities and Exchange Commission (SEC), serving as principal advisor to the SEC's chief accountant on financial services industry accounting and disclosure matters. Mr. Oken was a partner with the firm of Price Waterhouse and was associated with them from 1974 to 1981 and 1983 to 1989. A Baltimore native, Mr. Oken earned a bachelor's degree in business administration from Loyola College in Baltimore in 1968. He obtained his master's degree in business administration from the University of West Florida in 1973. He also is a Vietnam veteran who served from 1968 to 1973 as a U.S. Navy aviator. He is past chairman of the board of trustees of the Mint Museum of Art in Charlotte, past chairman of the board of the Charlotte Symphony Orchestra, and a member of the board of trustees of the Charlotte Country Day School. Mr. Oken has five daughters and he and his wife, Celene, live in Charlotte. AMY WOODS BRINKLEY - GLOBAL RISK EXECUTIVE Amy Woods Brinkley is Global Risk Executive for Bank of America, responsible for risk management activities across the entire company. She serves on the Risk & Capital Committee, which oversees allocation of capital to all business lines, and is a member of the bank.s Management Operating Committee. In a former role, Brinkley became president of Consumer Products in 1999, where she was responsible for Card Services, Consumer Finance, the Mortgage Company, Consumer Real Estate, Community Development, Telephone Banking and Consumer e-Commerce, and Insurance. Brinkley joined the company in 1978 as a management trainee in the Commercial Credit Department. She became a corporate banking officer in the Asia Pacific area of the International Division and then a commercial banker in Greensboro, N.C. She established a Consumer Credit Policy function in 1987 to oversee the credit issues of the company.s consumer portfolio, including credit card, residential mortgages and direct and indirect consumer loans. Brinkley was promoted to executive vice president and senior Consumer Credit Policy executive in 1990. She was named Marketing Group executive in 1993. Brinkley graduated Phi Beta Kappa from the University of North Carolina at Chapel Hill. She currently serves on the Board of Trustees of Princeton Theological Seminary, the board of the Carolinas HealthCare System, the Private Export Funding Co. (PEFCO), is on the board of advisors for Partners in Out-of-School Time (POST), and is a member of the UNC Board of Visitors. She is a member of the Board of Advisors for the North Carolina Dance Theatre and is the former chairman of the North Carolina Dance Theatre Board of Trustees.

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Fortune Global 500 Databank

SELECTED FINANCIAL DATA 31/12/01 US$'000 Total revenue Income before taxes Net income Shareholders' equity Total assets Earnings per share Dividends per share 34,638,000 10,117,000 6,792,000 48,678,000 650,083,000 US$2.13 US$1.14 31/12/02 US$'000 34,503,000 12,991,000 9,249,000 47,613,000 660,951,000 US$3.04 US$1.22 31/12/03 US$'000 37,914,000 15,861,000 10,810,000 49,204,000 736,445,000 US$3.63 US$1.44

BANKING & FINANCE

31/12/04 US$'000 48,894,000 21,221,000 14,143,000 84,183,000 1,044,600,000 US$3.76 US$1.70

LOCATIONS Argentina Australia Bahamas Belgium Brazil Canada Cayman Islands Chile China Columbia France Germany Greece India Indonesia Ireland Israel Italy Japan Malaysia Mexico Netherlands Panama Peru Philippines Singapore South Korea Spain Switzerland Taiwan Thailand United Arab Emirates United Kingdom United States Uruguay Venezuela

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Fortune Global 500 Databank

BANKING & FINANCE

Bank of China Limited

Bank of China Limited 1 Fuxingmen Nei Dajie Xicheng District 100818 Beijing China Tel: +86 10 6659 6688 Fax: +86 10 6601 4024 www.bank-of-china.com Ticker Symbol: State-owned company Date of Establishment: 1912 Number of Employees: 188,716 ACTIVITIES Bank of China Limited provides banking and financial services. The Bank operates in three business segments:· Commercial banking · Investment banking · Insurance services QUICK FACTS 2003 total assets by geographical region as follows:· Chinese Mainland RMBY 2,946,797 mn · Hong Kong and Macau RMBY 920,531 mn · Other overseas operations RMBY 240,374 mn At the end of 2003, the Bank had 12,158 branches and subsidiaries of which domestic branches and overseas branches and subsidiaries numbered 11,609 and 549, respectively 2003 total assets by business segment as follows:· · · · Commercial banking RMBY 3,806,401 mn Investment banking RMBY13,691 mn Insurance services RMBY8,327 mn Unallocated RMBY 13,734 mn REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021

COMPETITORS

· Hang Seng Bank Limited · Mitsui Trust Holdings Inc · Bank of East Asia Limited · Industrial & Commercial Bank of China

BOARD OF DIRECTORS Chen Muhua, Honorary Chairperson Xiao Gang, Chairman Sun Changji, Vice Chairman Hua Qingshan, Managing Director Li Zaohang, Managing Director He Guangbei, Managing Director

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Fortune Global 500 Databank

Zhou Zaiqun, Managing Director Zhang Yanling, Managing Director Wang Deyan, Managing Director Zhuang Shiping, Managing Director

BANKING & FINANCE

EXECUTIVES Xiao Gang, President (In charge of the overall management of the Bank, Chairman of BOC Hong Kong (Holdings) Limited and Bank of China (Hong Kong) Limited) Sun Changji, Executive Vice President (In charge of the Executive Office, the Human Resources Department, the Audit Department and the Inspection Department) Hua Qingshan, Executive Vice Preside (In charge of the Retail Banking Department, the Bank Card Centre, the Banking Department and the BOC Credit Card (International) Limited) Li Zaohang, Executive Vice President (In charge of the Fund and Trust Department, the Information Technology Department, the Clearing Centre and the General Affairs Department, also the Chairman of Bank of China Group Insurance Company Limited) Zhou Zaiqun, Executive Vice President (In charge of the Accounting Department) Zhang Yanling, Executive Vice President (In charge of the Corporate Banking Department and the Overseas Business Management Department, also the Chairman of BOC International Holdings Limited) Zhu Min, Executive Assistant President (In charge of the Legal and Compliance Department, the Institute of International Finance and the Restructuring and Listing Office) Zhu Xinqiang, Executive Assistant President (In charge of the Financial Institutions Department, the Global Markets Department and the Settlement Department Wang Yongli, Executive Assistant President (In charge of the Asset & Liability Management Department, the Risk Management Department, the Non-performing Assets Management Department and the Bank of China Group Investment Limited)

SELECTED FINANCIAL DATA 31/12/02 RMBY'000,000 Interest income Profit before tax Profit after tax Total assets 99,312 13,855 10,988 3,536,169 31/12/03 RMBY'000,000 104,659 10,058 6,864 3,842,153

LOCATIONS DOMESTIC BRANCHES · Beijing Branch 8 Yabao Lu Chaoyang District Beijing 100020 China Tel: +86 10 65199114 Fax: +86 10 65199572 · BOC International Holdings Limited Beijing Representative Office Room 801 Office Tower East One Oriental Plaza No.1 East Chang An Avenue Beijing 100738 China Tel: +86 10 85185505 Fax: +86 10 85184063 · Chongqing Branch 218 Zhong Shan Yi Road Chongqing 400013 China Tel: +86 23-63889453 Fax: +86 23-63500852

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Fortune Global 500 Databank

· Shanghai Branch 200 Mid. Yincheng Rd. Shanghai 200120 China Tel: +86 21-38824588 Fax: +86 21-64729384 · BOC International (China) Limited 39/F Bank Of China Tower 200 Yincheng Road Central Pudong Shanghai 200120 China Tel: +86 21-68604866 Fax: +86 21-58883554 · Shenzhen Branch International Finance Building 2022 Jianshe Road Shenzhen 518001 Guangdong Province China Tel: +86 755-2288288 Fax: +86 755-2239383 · Shekou Sub-Branch 18 Taizi Road Shekou Shenzhen 518067 Guangdong Province China Tel: +86 755-26811848 Fax: +86 755-26811849 · Bank of China Group Insurance Company Ltd Shenzhen Branch 31/F International Financial Building 2022 Jianshe Road Shenzhen 518001 Guangdong Province China Tel: +86 755-25155678 Fax: +86 755-25179843 · Tianjin Branch 80 Jiefang North Road Tianjin 300040 China Tel: +86 22-27102335 Fax: +86 22-23312809 · Tanggu Branch 29 Dong Ting Lu Economic and Technological Development Area Tianjin 300457 China Tel: +86 22-25292620 Fax: +86 22-25292619 · Anhui Branch 313 Mid-Changjiang Road Hefei 230061 Anhui Province China Tel: +86 551-2641419 Fax: +86 551-2641012

BANKING & FINANCE

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Fortune Global 500 Databank

· Wuhu Branch 258 Jiu Hua Shan Road Wuhu 241000 Anhui Province China Tel: +86 553-3830735 Fax: +86 553-3823492 · Ma'anshan Branch International Finance Building 1 Huayu Road Ma'anshan 243011 Anhui Province China Tel: +86 555-2345674 Fax: +86 555-2345674 · Fujian Branch 136 Wusi Road Fuzhou 350003 Fujian Province China Tel: +86 591-7090999 Fax: +86 591-7856654 · Fuqing Sub-Branch 39 Dongmen Road Fuqing 350300 Fujian Province China Tel: +86 591-5217389 Fax: +86 591-5226149 · Zhangzhou Branch 65 Datong Bei Lu Zhangzhou Fujian Province China Tel: +86 596-2022929 Fax: +86 596-2063411 · Xiamen Branch North Hubin Road 40 Xiamen 361012 Fujian Province China Tel: +86 592-5066415 Fax: +86 592-5066443 · Putian Branch 560-562 Wenxian Road Putian 351000 Fujian Province China Tel: +86 594-2698904 Fax: +86 594-2690761 · Fuzhoushi Shizhong Sub-Branch 27 Gutian Road Fuzhou 350005 Fujian Province China Tel: +86 591-3363140 Fax: +86 591-3321310 · Quanzhou Branch BOC Bldg Fengze Jie Quanzhou 362000 Fujian Province China Tel: +86 595-2110536 Fax: +86 595-2110636

BANKING & FINANCE

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Fortune Global 500 Databank

· Gansu Branch 589 Tianshui Lu Lanzhou 730000 Gansu Province China Tel: +86 931-8417597 Fax: +86 931-8866369 · Guangdong Province Guangdong Branch 197 Dongfeng Xi Lu Guangzhou 510130 Guangdong Province China Tel: +86 20-83338080 Fax: +86 20-83344066 · Shantou Branch 98 Jin Sha Road Shantou 515041 Guangdong Province China Tel: +86 754-8262955 Fax: +86 754-8262844 · Foshan Branch 2 Ren Min Xi Lu Foshan 528000 Guangdong Province China Tel: +86 757-2228888 Fax: +86 757-2221638 · Guangzhoushi Yanjiang Sub-Branch 91 Chang Di Road Guangzhou 510120 Guangdong Province China Tel: +86 20-83340998 Fax: +86 20-83342489 · Chaozhou Branch Hengtong Bldg. Chao Feng Lu Chaozhou 521011 Guangdong Province China Tel: +86 768-2260979 Fax: +86 768-2803045 · Guangzhou K. F. Q. Branch 19 Dongyuaner Street Qingnian Road Guangzhou 510730 Guangdong Province China Tel: +86 20-82215911 Fax: +86 20-82212766 · Zhuhai Branch 1148 Yuehai East Road Gongbei Zhuhai 519020 Guangdong Province China Tel: +86 756-8885157 Fax: +86 756-8885157

BANKING & FINANCE

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Fortune Global 500 Databank

· Dongguan Branch 72 Guantai Road Dongguan 523072 Guangdong Province China Tel: +86 769-2819888 Fax: +86 769-2818181 · Huizhou Branch 22 Mai Di Road Huizhou 516001 Guangdong Province China Tel: +86 752-2271988 Fax: +86 752-2270110 · INTERNATIONAL OFFICES · SINGAPORE Singapore Branch 4 Battery Road Singapore 049908 Tel: +65 65352411 Fax: +65 65343401 North Sub-Branch 133 Middle Road BOC Plaza Singapore 188974 Tel: +65 68328108 Fax: +65 63382165 Central Sub-Branch 60 Cecilst KPB Building Singapore 049709 Tel: +65 62239622 Fax: +65 62218820 South Sub-Branch 20 Maxwell Road #01-01 Maxwell House Singapore 069113 Tel: +65 62233466 Fax: +65 62236601 Katong Sub-Branch 188-192 East Coast Road Singapore 428898 Tel: +65 64402440 Fax: +65 63440737 Chinatown Sub-Branch 60 Eu Tong Sen Street #01-01 Furama Hotel Singapore 059804 Tel: +65 65337453 Fax: +65 65345571 BOC International (Singapore) Pte Limited 4 Battery Road Bank of China Building Singapore 049908 Tel: +65 64398880 Fax: +65 65343996 · MALAYSIA Bank of China (Malaysia) Berhad Ground, Mezzanine & 1st Floor Plaza Osk 25 Jalan Ampang 50450 Kuala Lumpur Malaysia Tel: +603 21626633 Fax: +603 21615150

BANKING & FINANCE

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Fortune Global 500 Databank

· AUSTRALIA Sydney Branch 39-41 York Street Sydney NSW 2000 Australia Tel: +61 2 82355888 Fax: +61 2 92621794 Melbourne Branch 270 Queen Street Melbourne Vic 3000 Australia Tel: +61 3 96023655 Fax: +61 3 96023383 Haymarket Branch 681 George Street Sydney NSW 2000 Australia Tel: +61 2 92123877 Fax: +61 2 92123962 Parramatta Office Level 2 Shop 2104 Westfield Shopping Town Parramatta NSW 2150 Australia Tel: +61 2 98938833 Fax: +61 2 96872919 · JAPAN Tokyo Branch BOC Bldg 3-4-1 Akasaka Minato-Ku Tokyo 107-0052 Japan Tel: +81 3 35058818 Fax: +81 3 35058868 Yokohama Branch Siber Hegner Bldg 89-1 Yamashita Chou Naka-Ku Yokohama City 231-0023 Japan Tel: +81 45 6632288 Fax: +81 45 6638688 Osaka Branch BOC Bldg 1-1-35 Kitahorie Nishi -Ku Osaka 550-0014 Japan Tel: +81 6 65393666 Fax: +81 6 65381177 Otemachi Office 1/F. Shin Otemachi Bldg 2-2-1 Otemachi Chiyoda-Ku-Tokyo Japan Tel: +81 3 32770288 Fax: +81 3 32770289

BANKING & FINANCE

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Fortune Global 500 Databank

· SOUTH KOREA Seoul Branch 1/F. Young Poong Bldg 33 Seolin-Dong Chongro-Gu Seoul 110-752 Korea Tel: +82 2 3996272 Fax: +82 2 3996265 Ansan Branch 1/F. Dong Yang Bldg 801-11 Wongok-Dong Danwon-Gu Ansan Kyonggi-Do 425-846 Korea Tel : +82 31 4934638 Fax: +82 31 4956407 · KAZAKHSTAN Bank of China (Kazakhstan) 201 Str. Gogol 480096 Almaty Kazakhstan Tel: +7 3272 585510 Fax: +7 3272 585514 · THAILAND Bangkok Branch 179/4 Bangkok City Tower South Sathorn Rd. Tungmahamek Sathorn District Bangkok 10120 Thailand Tel: +66 2 2861010 Fax: +66 2 2861020 · VIETNAM Ho Chi Minh City Branch 19th Floor Sun Wah Tower 115 Nguyen Hue Blvd. District 1 Ho Chi Minh City Vietnam Tel: +84 8 8219949 Fax: +84 8 8219948 · PHILIPPINES Manila Branch G/F & 36/F. Philamlife Tower 8767 Paseo De Roxas Makati City Manila Philippines Tel: +63 2 8850111 Fax: +63 28850532 · INDONESIA Jakarta Branch Wisma Tamara Suite 101 & 201 Jalan Jend. Sudirman Kav. 24 Jakarta 12920 Indonesia Tel : +62 21 5205502 Fax: +62 21 5201113

BANKING & FINANCE

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Fortune Global 500 Databank

· UNITED KINGDOM London Branch 90 Cannon Street London EC4N 6HA UK Tel: +44 20 72828888 Fax: +44 20 76263892 Manchester Branch 67-69 Mosley Street Manchester M2 3JB UK Tel: +44 161 2368302 Fax: +44 161 2280285 Birmingham Branch 33 Horse Fair Birmingham B1 1DD UK Tel: +44 121 6227002 Fax: +44 121 6227082 West End Branch 107 Shaftesbury Ave London W1D 5DA UK Tel: +44 20 74375975 Fax: +44 20 77341704 Glasgow Branch 450 Sauchiehall Street Glasgow G2 3JD UK Tel: +44 141 3323354 Fax: +44 141 3326728 Bank of China International (UK) Limited 90 Cannon Street London EC4N 6HA UK Tel: +44 20 70228888 Fax: +44 20 70228877 · LUXEMBOURG Luxembourg Branch 37/39 Boulevard Prince Henri L-1724 Luxembourg L-2011 Luxembourg Tel: +352 221791 Fax: +352 221795 · FRANCE Paris Branch 52/52 Bis Rue Laffitte 75009 Paris France Tel: +33 1 49701370 Fax: +33 1 49701372 E-Mail: [email protected] Agence Italie 11 Place d'Italie 75013 Paris France Tel: +33 1 45828710 Fax: +33 1 45857449

BANKING & FINANCE

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Fortune Global 500 Databank

· GERMANY Frankfurt Branch BOC kenheimer Landstrasse 39 60325 Frankfurt Am Main Germany Tel: +49 69 1700900 Fax: +49 69 17009050 Hamburg Branch Rathausmarkt 5 20095 Hamburg Germany Tel: +49 40 339020 Fax: +49 40 339023 · ITALY Milan Branch Via Santa Margherita N.14/16 20121 Milano Italy Tel: +39 2 864731 Fax: +39 2 89013411 · RUSSIA Bank of China (Eluosi) Floor 6-7 Mosbusiness Center No.72 Prospect Mira 129110 Moscow Russia Tel: +7 95 7950456 Fax: +7 95 7950454 · HUNGARY Bank of China (Hungary) Ltd. Bank Center 7 Szabadsag Ter 1054 Budapest Hungary Tel: +36 1 3029006 Fax: +36 1 3029009 · UNITED STATES New York Branch 410 Madison Avenue New York NY 10017 USA Tel: +1 212 9353101 Fax: +1 212 5931831 Los Angeles Branch 444 South Flower Street 39th Floor Los Angeles CA 90071 USA Tel: +1 213 6888700 Fax: +1 213 6880198 New York Chinatown Branch 42 East Broadway New York NY 10002 USA Tel: +1 212 9252355 Fax: +1 212 4316157

BANKING & FINANCE

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Fortune Global 500 Databank

· CAYMAN ISLANDS Grand Cayman Branch P.O.Box 30995 Smb Penthouse Piccadilly Centre George Town Grand Cayman Cayman Islands Tel: +1 345 9452000 Fax: +1 345 9452200 · PANAMA Panama Branch P.O.Box 87-1056 Zona 7 Calle Manuel M. Icaza No.14 Panama Republic of Panama Tel: +507 2635522 Fax: +507 2239960 · CANADA Bank of China (Canada) BCE Place 161 Bay Street P.O.Box 612 Suite 3740 Toronto Ontario Canada M5J 2S1 Tel: +1 416 3622991 Fax: +1 416 3623047 E-Mail: BOC [email protected] usa.Com Toronto Downtown Branch 396 Dundas Street West Toronto Ontario Canada M5T 1G7 Tel: +1 416 9718806 Fax: +1 416 9716551 Vancouver Branch Suite 2704 P.O. Box 49277 Four Bentall Centre 1055 Dunsmuir St. Vancouver B.C. Canada V7X 1L3 Tel: +1 604 6831088 Fax: +1 604 6839228 · BRAZIL Sao Paulo Representative Office Avenida Paulista 1337 21 Andar Cj. 212 01311-200 Sao Paulo SP Brazil Tel: +55 11 2831079 Fax: +55 11 2832730 · ZAMBIA Bank of China (Zambia) Ltd. Amandra House Ben Bella Road Lusaka Zambia P. O. Box 34550 Lusaka Zambia Tel: +260 1 222541 Fax: +260 1 235350

BANKING & FINANCE

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Fortune Global 500 Databank

· SOUTH AFRICA Johannesburg Branch 416 4th Floor South Tower Sandton Square Sandown Sandton South Africa Tel: +27 11 5209600 Fax: +27 11 7832336

BANKING & FINANCE

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Fortune Global 500 Databank

BANKING & FINANCE

Bank of Nova Scotia (The)

Bank of Nova Scotia (The) Scotia Plaza 44 King Street West Toronto Ontario M5H 1H1 Canada Tel: +1 416 866 6161 Fax: +1 416 866 3750 [email protected] www.scotiabank.com Ticker Symbol: Toronto: BNS Date of Establishment: 1832 Number of Employees: 43,928 ACTIVITIES The Bank of Nova Scotia provides banking and financial services. The Bank operates in three segments:· Domestic Banking: including Wealth Management, provides a range of retail and commercial banking services, through branch and electronic delivery channels, to individuals and small to medium-sized businesses in Canada. · International Banking: provides retail and commercial banking services through branches, subsidiaries and foreign affiliates. · Scotia Capital: integrated corporate and investment bank whose services are aimed at satisfying the credit, capital market and risk management needs of large corporations, financial institutions and governments. QUICK FACTS 2004 net interest income by segment as follows:· Domestic Banking C$3,535 mn · International Banking C$1,895 mn · Scotia Capital C$983 mn Return on equity by year as follows:· · · · · 2000 2001 2002 2003 2004 17.6% 17.3% 13.0% 17.6% 19.9% REGION: North America SECTOR: Banking and Finance SIC Codes: 6021

Number of branches and offices by year as follows:· · · · · COMPETITORS 2000 2001 2002 2003 2004 1,695 2,005 1,847 1,850 1,871

· The Toronto-Dominion Bank · Canadian Imperial Bank of Commerce · Royal Bank of Canada

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Fortune Global 500 Databank

BOARD OF DIRECTORS Ronald A Brenneman, Director C J Chen, Director N Ashleigh Everett, Director M Keith Goodrich, Director John C Kerr, Director The Honourable Michael J L Kirby, Director Laurent Lemaire, Director John T Mayberry, Director The Honourable Barbara J McDougall, Director Elizabeth Parr-Johnston, Director Arthur R A Scace, Chairman Gerald W Schwartz, Director Allan C Shaw, Director Paul D Sobey, Director Barbara S Thomas, Director Richard E Waugh, President and CEO EXECUTIVES Richard E Waugh, President and Chief Executive Officer Robert W Chisholm, Vice-Chairman, Scotiabank, and President and CEO, Domestic Banking and Wealth Management W David Wilson, Vice-Chairman Scotiabank and Chairman and CEO, Scotia Capital Robert L Brooks, Senior Executive Vice-President, Treasury and Operations Sarabjit S Marwah, Senior Executive Vice-President and Chief Financial Officer Deborah M Alexander, Executive Vice-President, General Counsel and Secretary Peter C Cardinal, Executive Vice-President, Latin America Alberta G Cefis, Executive Vice-President, Retail Lending Services Sylvia D Chrominska, Executive Vice-President, Human Resources and Public, Corporate and Government Affairs Tim Hayward, Executive Vice-President and Chief Administrative Officer International Banking Christopher J Hodgson, Executive Vice-President, Wealth Management Dieter Jentsch, Executive Vice-President, Commercial Banking Stephen D McDonald, Deputy Chairman, Scotia Capital and U S Country Head Robert H Pitfield, Executive Vice-President International Banking Brian J Porter, Deputy Chairman and Head of Canadian Capital Structuring, Scotia Capital C John Schumacher, Deputy Chairman and Head of Global Trading, Scotia Capital Luc A Vanneste, Executive Vice-President and Chief Auditor Albert E Wahbe, Executive Vice-President, Electronic Banking Warren K Walker, Executive Vice-President, Global Credit Risk Management BIOGRAPHIES RICHARD E. WAUGH - PRESIDENT AND CHIEF EXECUTIVE OFFICER

BANKING & FINANCE

Rick Waugh became President in January 2003, a director in March 2003, and Chief Executive Officer in December 2003. He is currently responsible for advancing the Bank's strategies and fostering and building its culture. Rick began his career with Scotiabank in Winnipeg in 1970 as a branch employee and, over the years, has served in the Bank's investment, corporate, international and retail banking areas. In 1985, he moved to New York as the most Senior Executive in the U.S. and played a pivotal role in the development and expansion of the Bank's U.S. operations. Rick returned to Toronto in 1993 to serve as Senior Executive Vice-President, Corporate Banking, responsible for Global Corporate Banking. He was appointed Vice-Chairman, Corporate Banking, in 1995, and Vice-Chairman, International Banking and Wealth Management in 1998. Rick currently serves on the Board of Directors of the Bank, as well as the Boards of several of Scotiabank's international subsidiaries. He has a Bachelor of Commerce (Honours) from the University of Manitoba and a Master of Business Administration from York University. He is also a Fellow of the Institute of Canadian Bankers. Rick and his wife, Lynne, have three children. SARABJIT S. MARWAH - SENIOR EXECUTIVE VICE-PRESIDENT AND CHIEF FINANCIAL OFFICER As Senior Executive Vice-President and Chief Financial Officer, Sabi Marwah is responsible for financial control and reporting, investor relations, taxation, audit, general counsel, market risk, real estate, and strategic sourcing across the Scotiabank Group. Sabi joined Scotiabank in Toronto as a financial analyst in the Bank's Finance Department in 1979. Over the years, he held successively more senior positions within the Finance Department, including Deputy Comptroller, General Manager, Senior Vice-President and Comptroller, and Executive Vice-President. He was appointed CFO in 1998. Sabi is a member of the Board of Directors of several Scotiabank subsidiaries, Torstar Corporation and the Humber River Regional Hospital. Sabi earned an undergraduate Honours degree in Economics, a Master's degree in Economics, and a Master of Business Administration (Finance) from the University of California, Los Angeles (UCLA). He and his wife, Amrin, have two daughters.

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Fortune Global 500 Databank

BANKING & FINANCE

ROBERT W. CHISHOLM - VICE-CHAIRMAN SCOTIABANK AND PRESIDENT AND CEO, DOMESTIC BANKING AND WEALTH MANAGEMENT Bob Chisholm is Vice-Chairman Scotiabank, and President and CEO, Domestic Banking and Wealth Management. He is responsible for continuing to bring together the tremendous strengths of Wealth Management and the Domestic Bank, maximizing cross-sell opportunities and ensuring the Bank continues to deliver industry-leading client satisfaction. Bob joined Scotiabank as a Senior Vice-President and Comptroller in 1986, bringing with him more than a decade of senior level experience in the trust and insurance industries. In 1995, he became Vice-Chairman of Finance and Administration. As CFO, he was actively involved in the acquisitions and operation of both Montreal Trust and National Trust. After being appointed Vice-Chairman, Domestic Banking, in 1998, Bob introduced a highly focused sales and service culture to the Bank's branch network. Under Bob's leadership, the Domestic Bank recorded strong growth in profitability, while maintaining its number one ranking among Canadian banks for overall customer service. Bob is a Chartered Accountant and received his Fellowship (FCA) in 1988 in recognition of his service to his profession. He graduated with a Bachelor of Arts degree in Political Science from the University of Toronto in 1968, and was awarded two honorary Doctorate of Laws, one from Assumption University in Windsor in 2000 and the other from St. Francis Xavier University in 2003. Bob serves on the Board of Directors of several of Scotiabank's domestic and international subsidiaries. He is a former director of the Financial Executives Institute and the Toronto Board of Trade, where he is currently the chairman of its audit committee. He also sits on the Board of the Providence Health Centre in Scarborough. Bob is a former director of the Toronto Mendelssohn Choir and past chair of Share Life (Toronto Corporate Campaign). Bob was born in Nova Scotia. He and his wife, Andrea, have two children. W. DAVID WILSON - VICE-CHAIRMAN, SCOTIABANK, AND CHAIRMAN AND CEO SCOTIA CAPITAL David Wilson, Vice-Chairman, Scotiabank, and Chairman and CEO, Scotia Capital, is responsible for all of the Group's wholesale financial services in Canada, the U.S. and Europe, as well as its corporate, institutional and government relationships on a global basis. He also provides leadership in growing the Bank's wholesale customer base globally, in co-operation with other divisions of the Bank. David was previously Co-Chairman and Co-CEO of Scotia Capital. He joined McLeod Young Weir, a predecessor firm to Scotia Capital, in 1971, and held a variety of management positions over the years from offices located in Vancouver and Toronto. David is also a member of the Board of Directors for Rogers Communications Inc., the Art Gallery of Ontario and is a member of the Governing Council of the University of Toronto and the Dean's Advisory Council, Schulich School of Business. In addition, David is a past chairman of the Investment Dealers Association of Canada, a past director of the United Way of Metro Toronto, the National Ballet of Canada, and was a member of the Ontario Government's Advisory Committee, which tabled its review of the Ontario Securities Act in 2003. SYLVIA D. CHROMINSKA - EXECUTIVE VICE-PRESIDENT, HUMAN RESOURCES AND PUBLIC, CORPORATE AND GOVERNMENT AFFAIRS As Executive Vice-President, Human Resources, and Public, Corporate and Government Affairs, Sylvia Chrominska has global responsibility for human resources, corporate communications, government relations, public policy and corporate social responsibility of the Scotiabank Group. Sylvia joined Scotiabank in 1979 as a Credit Analyst in Corporate Credit. She held progressively more senior positions over the next decade until being appointed Senior Vice-President, Corporate Credit, with responsibility for Eastern Canada, Eastern United States, Europe and Japan. In 1994, she transferred to the Human Resources department, where she was appointed Executive Vice-President in 1995. In 2004, her mandate was expanded to include Public, Corporate and Government Affairs. Sylvia is a member of the Board of Dofasco Inc., and Chair of the Human Resources Committee of the Canadian Bankers Association. Her community activities include serving on the Board of Sheena's Place and as Vice-President of the Canadian Club of Toronto. She previously served on the Board of Goodwill Industries of Toronto and the Rehabilitation Institute of Toronto Foundation, and is also a former chairperson of the Board of Governors of The Institute of Canadian Bankers. In 2003 and again in 2004, Sylvia was named to the Top 100 List of Canada's Most Powerful Women by the Women's Executive Network and the University of Western Ontario's Richard Ivey School of Business. Sylvia graduated from the University of Western Ontario in 1975 with an Honours Degree in Business Administration. She has completed the Western Executive Program at the University of Western Ontario, as well as the Human Resources Executive Program at the University of Michigan Business School. SELECTED FINANCIAL DATA 31/10/02 C$'000 Net interest income Income before taxes Net income Total assets Deposits Earnings per share Dividends per share 6,675,000 2,614,000 1,797,000 195,618,000 296,380,000 C$1.68 C$0.73 31/10/03 C$'000 6,150,000 3,541,000 2,477,000 192,672,000 285,892,000 C$2.38 C$0.84 31/10/04 C$'000 5,865,000 3,933,000 2,931,000 195,196,000 279,212,000 C$2.87 C$1.10

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Fortune Global 500 Databank

BANKING & FINANCE

Barclays plc

Barclays plc 54 Lombard Street London EC3P 3AH United Kingdom Tel: +44 20 7699 5000 Fax: +44 20 7699 2437 www.barclays.com Ticker Symbol: New York: BCS Date of Establishment: 1690 Number of Employees: 78,400 ACTIVITIES Barclays plc is a financial holding company owning Barclays Bank plc. Group interests cover banking, financial and related services. The Group reports the results of its operations through the following businesses:· · · · · · UK Banking Private Clients International Barclaycard Business Capital Barclays Global Investors REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6712

QUICK FACTS 2004 employees by business:· · · · · · · UK Banking 41,800 Private Clients 19,300 International 12,100 Barclaycard 6,700 Business Capital 7,800 Barclays Global Investors 1,900 Head office functions and other operations 900

As of 31st December 2003, Barclays had 2,080 branches in the United Kingdom, 846 overseas branches and 3,850 ATMs in the United Kingdom Barclays customer base grew from 3.9 mn customers in December 2002 to 4.5 mn customers as of December 2003 2004 vs. 2003 gross income by geographic region:· · · · United Kingdom £17,639 mn vs. £15,515 mn Other European Union £1,691 mn vs. £1,618 mn United States £1,150 mn vs. £884 mn Rest of World £994 mn vs. £850 mn

2004 employees by geographic region:· United Kingdom 60,000 · Non-United Kingdom 18,400

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Fortune Global 500 Databank

COMPETITORS

BANKING & FINANCE

· HSBC Holdings plc · Lloyds TSB Group plc · HBOS plc

BOARD OF DIRECTORS Gary Hoffman, Chief Executive, Barclaycard Matthew W Barrett, Group Chief Executive John Varley, Chief Executive Naguib Kheraj, Group Finance Director David Roberts, Chief Executive, International Retail and Commercial Banking Roger Davis, Chief Executive of UK Banking Robert E Diamond Jr, President, Barclays PLC and CEO, Investment Banking and Investment Management Paul Idzik, Barclays Chief Operating Officer Sir Nigel Rudd, Deputy Chairman Sir Richard Broadbent, Senior Independent Director David Arculus, Non Executive Director Richard Leigh Clifford, Non Executive Director Professor Dame Sandra Dawson, Non Executive Director Sir Andrew Likierman, Non Executive Director Stephen Russell, Non Executive Director John Sunderland, Non Executive Director Robert K (Bob) Steel, Non Executive Director Sir Peter Middleton, Chairman Chris Lendrum, Vice Chairman John Varley, Group Deputy Chief Executive Sir Richard Broadbent, Non-Executive Director Dame Sandra Dawson, Non-Executive Director Dr Jurgen Zech, Non-Executive Director Stephen Russell, Non-Executive Director Sir Nigel Rudd, Non-Executive Director Sir Brian Jenkins, Non-Executive Director Hilary Cropper, Non-Executive Director EXECUTIVES Sir Peter Middleton, Chairman Matthew W Barrett, Group Chief Executive John Varley, Group Deputy Chief Executive Naguib Kheraj, Group Finance Director Roger Davis, Chief Executive of UK Banking Gary Hoffman, Chief Executive, Barclaycard Paul Idzik, Chief Operating Officer David Roberts, Chief Executive, Private Clients & International Stephen Whitehead, Director of Corporate and External Affairs Deanna Oppenheimer, UK Banking Chief Operating Officer · CENTRAL SUPPORT Leigh Bruce, Communications Director Mark Carawan, Internal Audit Director Mike Davis, Public Policy Director Heather Devine, Tax Director Lawrence Dickinson, Company Secretary Peter Goshawk, Treasurer Mark Harding, General Counsel Brian Harte, Head of Compliance Robert Le Blanc, Risk Director Ian Menzies-Conacher, Senior Tax Adviser Mark Merson, Financial Controller Cathy Turner, Director, Investor Relations Colin Walklin, Director of Finance David Weymouth, Corporate Responsibility Director · UK BANKING Roger Davis, Chief Executive Wai Au, Chief Operating Officer Alistair Camp, Managing Director, Medium Business and Agriculture Angus Grant, Finance Director Peter Harvey, Managing Director, Larger Business Jim Hytner, Group Brand and UK Banking Marketing Director Frederic Nze, Managing Director, Products

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Fortune Global 500 Databank

Mike Rogers, Managing Director, Personal and Small Business Customers Andy Simmonds, Risk Director Rachael Yates, Human Resources Director · INTERNATIONAL RETAIL AND COMMERCIAL BANKING David Roberts,Chief Executive John Eaton, Chief Operating Officer Jon Anderson, Finance Director Robert East, Risk Director Allan Fielder, Human Resources Director Dominic Bruynseels, Chief Executive, Africa and Middle East Jacobo González-Robatto, Chief Executive, Southern Europe Pascal Roché, Managing Director and Country Manager, France · PRIVATE CLIENTS Robert E Diamond Jr, Chief Executive Ray Greenshields, Managing Director, Wealth Solutions Mike Pedersen, Managing Director, International and Private Banking Richard Ricci, Chief Operating Officer · BARCLAYS CAPITAL Robert E Diamond Jr, Chief Executive Patrick Clackson, Chief Financial Officer Richard Ricci, Chief Operating Officer Hans-Joerg Rudloff, Chairman Jerry del Missier, Head of Rates and Private Equity, Regional Head of Europe Roger Jenkins, Head of Structured Capital Markets Thomas L Kalaris, Head of Distribution and Research and Chief Executive, Americas Grant Kvalheim, Head of Investment Banking and Credit Products Robert Morrice, Chairman and Chief Executive, Asia Pacific · BARCLAYS GLOBAL INVESTORS Robert E Diamond Jr, Chairman Blake Grossman, Global Co-Chief Executive Andrew Skirton, Global Co-Chief Executive Richard Ricci, Chief Operating Officer Frank Ryan, Chief Financial Officer Lindsay Tomlinson, Vice-Chairman, Europe · BARCLAYCARD Gary Hoffman, Chief Executive Keith Coulter, Managing Director, UK Consumer Cards and Loans Richard Davies, Acting Managing Director, Barclaycard Partnerships Mark Evans, Chief Operating Officer, UK Consumer Peter Herbert, Managing Director, Barclaycard International Gerald Kitchen, Acting Managing Director, Barclaycard Business Dale Roskom, Director, UK Consumer Credit Risk Richard Sommers, Finance Director Sue Turner Human, Resources Director · JUNIPER FINANCIAL CORPORATION Richard Vague, Chief Executive Jim Stewart, President BIOGRAPHIES SIR PETER MIDDLETON - CHAIRMAN Sir Peter Middleton GCB (age 69) was appointed as Chairman at the 1999 Annual General Meeting. Sir Peter joined the Board in 1991 as Deputy Chairman and Chairman of BZW. This followed a long career in HM Treasury where he was Permanent Secretary from 1983 to 1991. He became Chairman of Barclays Capital following the reorganisation of BZW in 1997. In 1998, he relinquished his executive responsibilities as Deputy Chairman and Chairman of Barclays Capital but remained a non-executive Director. He is Deputy Chairman of United Utilities PLC, Chancellor of Sheffield University and Chairman of the Board Nominations and Board Risk Committees. MATTHEW WILLIAM BARRETT - GROUP CHIEF EXECUTIVE Matthew William Barrett (age 59) was appointed as Group Chief Executive and joined the Board in 1999 and will succeed Sir Peter Middleton as Chairman on 1st January 2005. He joined Barclays from Bank of Montreal where he was Chairman and CEO. He joined the Bank of

BANKING & FINANCE

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Montreal in 1962 and during his career held a variety of senior management positions in different areas within the Bank, including Retail Banking, International Banking and Treasury. He was appointed Chief Operating Officer in 1987, CEO in 1989 and elected Chairman of the Board in 1990. In 1994, he became an Officer of the Order of Canada, the country's highest civilian honour, and in 1995, he was awarded the title of Canada's Outstanding CEO of the Year. He is a non-executive Director of the Molson Companies Limited and the Federal Reserve Bank of New York. NAGUIB KHERAJ - GROUP FINANCE DIRECTOR Naguib Kheraj (age 39) was appointed as Group Finance Director and joined the Board on 1st January 2004. Mr Kheraj had previously held the positions of Chief Executive of Barclays Private Clients, Deputy Chairman of Barclays Global Investors, Global Head of Investment Banking and Global Chief Operating Officer at Barclays Capital. He joined the Group Executive Committee in March 2003. Before joining Barclays, Mr Kheraj held the post of Chief Financial Officer for Europe at Salomon Brothers. ROGER WILLIAM JOHN DAVIS - CHIEF EXECUTIVE, UK BANKING Roger William John Davis (age 47) was appointed as Chief Executive of UK Banking on 1st January 2004 and joined the Board on the same date. Mr Davis' previous roles for the Group include: Chief Executive of Business Banking; Chairman and Chief Executive of Barclays Capital, Asia Pacific and was a member of the Barclays Capital Executive Committee. He joined the Group Executive Committee in February 2003. Before joining Barclays, he spent 12 years in the British Army and began his City career at Robert Fleming & Co where he was a member of the Board of Jardine Fleming Holdings and Managing Director of Jardine Fleming India. DAVID LAWTON ROBERTS - CHIEF EXECUTIVE, PRIVATE CLIENTS & INTERNATIONAL David Lawton Roberts (age 41) was appointed as Chief Executive of Private Clients & International on 1st January 2004 and joined the Board on the same date. Mr Roberts joined the Group in 1983 and has held various management positions, including Chief Executive of Personal Financial Services and Chief Executive of Business Banking. He joined the Group Executive Committee in 2001. SELECTED FINANCIAL DATA 31/12/01 £'000 Operating income Profit before tax Profit after tax Total assets Share capital Earnings per share Dividends per share 11,142,000 3,425,000 2,482,000 356,612,000 14,479,000 36.8p 16.625p 31/12/02 £'000 11,327,000 3,205,000 2,250,000 403,066,000 15,146,000 33.7p 18.35p 31/12/03 £'000 12,411,000 3,845,000 2,769,000 443,361,000 16,374,000 42.3p 20.5p

BANKING & FINANCE

31/12/04 £'000 13,945,000 4,603,000 3,314,000 522,089,000 17,417,000 51.2p 24.0p

LOCATIONS Barclays Africa Murray House 1 Royal Mint Court London EC3N 4HH Tel: +44 20 7977 3000 Barclays Capital 5 The North Colonnade, Canary Wharf London E14 4BB Tel:: +44 20 7623 2323 Barclays Global Investors 45 Fremont Street San Francisco CA 94105 USA Tel +1 415 597 2000

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Barclays Bank of Botswana Limited PO Box 478, Gaborone, Botswana Tel: +267 395 341 Cairo Barclays Bank SAE PO Box 110 Maglis EL Shaab Cairo Egypt Tel: +20 2 366 2600 Barclays Bank PLC and Barclays Capital Suite 1 Level 24 400 George Street Sydney, NSW 2000 Australia Tel: +61 2 9220 6000 Barclays Bank PLC and Barclays Capital 183 Avenue Daumesnil 75012 Paris France Tel: +33 1 55 78 78 78 Barclays Bank PLC and Barclays Capital Bockenheimer Landstrasse 38-40 D-60323, Frankfurt am Main Germany Tel: +49 69 71 61 00 Barclays Bank of Ghana Limited PO Box 2949 Accra, Ghana Tel: +233 21 664 901/665 382 Barclays Bank PLC PO Box 187, Regal House, Queensway Gibraltar Tel: +350 78565 Barclays Bank PLC and Barclays Capital Asia 42nd Floor, Citibank Tower 3 Garden Road Hong Kong Tel: +852 2903 2000 Barclays Bank PLC and Barclays Capital 21/23 Maker Chambers VI, 2nd Floor Nariman Point Mumbai 400 021 India Tel: +91 22 284 2888 Barclays Bank PLC 47/48 St. Stephen's Green Dublin 2 Republic of Ireland Tel: +353 1 6611777 Barclays Bank PLC and Barclays Capital Via della Moscova 18 20121 Milan Italy Tel: +39 2 63 721

BANKING & FINANCE

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Barclays Bank PLC and Barclays Capital 15F Urbannet Otemachi Building 2-2-2 Otemachi Chiyoda-Ku Tokyo 100-0004 Japan Tel: +81 3 3276 1100 Barclays Bank of Kenya Limited PO Box 30120 Nairobi Kenya Tel: +254 2 332 230 Barclays Bank PLC and Barclays Capital 1111 Brickell Avenue Miami Florida 33131 USA Tel: +1 305 533 3333 Barclays Bank PLC PO Box 284 Port Louis Mauritius Tel: +230 2071800 Barclays Bank PLC Avenida da Republica 50-3rd Floor 1050-196 Lisbon Portugal Tel: +351 21 7911100 Barclays Bank (Seychelles) Limited PO Box 167 Mahe, Seychelles Tel: +248 383838 Barclays Bank PLC and Barclays Capital 23 Church Street 13-08 Capital Square Singapore 049 481 Tel: +65 395 3000 Barclays Bank PLC and Barclays Capital 8 Rivonia Road Illovo 2196 Johannesburg South Africa Tel: +27 11 772 7000 Barclays Bank PLC and Barclays Capital Securities Limited 23rd Floor, Seoul Finance Center 84 Tapeyungro 1-ga Chung-gu Seoul 100-768 Korea Tel: +822 2126 2600 Barclays Bank SA and Barclays Bank PLC Plaza de Colon 1 28046 Madrid Spain Tel: +34 91 336 1975 Barclays Capital Barclays Bank (Suisse) S.A. PO Box 3941 CH-1211 Geneva 3 Switzerland Tel: +41 22 81 95 11

BANKING & FINANCE

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Fortune Global 500 Databank

Barclays Bank Tanzania Limited PO Box 5137, TDFL Building Ohio Street, Dar es Salaam Tanzania Tel: +255 22 2129381 Barclays Bank PLC and Barclays Capital 200 Park Avenue New York, NY 10166 USA Tel: +1 212 412 4000 Barclays Global Investors NA 45 Fremont Street San Francisco CA 94105 USA Tel: +1 415 597 2000 Barclays Bank of Uganda Limited PO Box 2971 Kampala Uganda Tel: +256 78218110 Barclays Bank of Zambia Limited Kafue House Cairo Road Lusaka Zambia Tel: +260 1 228 244 Barclays Bank of Zimbabwe Limited PO Box 1279 Jason Mayo Avenue Harare Zimbabwe Tel: +263 4 758 280 Woolwich plc Watling Street Bexleyheath Kent DA6 7RR Tel: +44 20 8298 5000

BANKING & FINANCE

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BANKING & FINANCE

Bayerische Hypo- und Vereinsbank Aktiengesellschaft

Bayerische Hypo- und Vereinsbank Aktiengesellschaft Am Tucherpark 16 D-80538 München Germany Tel: +49 89 3 78 0 Fax: +49 89 3 78 25 999 [email protected] www.hvbgroup.com Ticker Symbol: Germany: HVM Date of Establishment: 1835 Number of Employees: 57,806 ACTIVITIES HVB Group provides banking and financial services. The Bank operates through three segments:· Germany: provision of banking services including retail banking, private banking and asset management · Austria & Central and Eastern Europe: provision of banking services in Austria through Bank Austria Creditanstalt AG and the provision of banking services in CEE · Corporates & Markets: provision of corporate banking services QUICK FACTS 2004 interest income by segment:· Germany 2,712 mn · Austria & Central and Eastern Europe 2,178 mn · Corporates & Markets 853 mn COMPETITORS REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029

· Deutsche Bank AG · Commerzbank AG · Dresdner Bank AG

BOARD OF DIRECTORS EXECUTIVES · MANAGING BOARD Dieter Rampl, Spokesman of the Board of Managing Directors Johann Berger, Business Segment Germany, Corporate Clients, Real Estate Dr Stefan Jentzsch, Business Segment Corporates & Markets Dr Michael Kemmer, Chief Risk Officer Christine Licci, Business Segment Germany, Private Customers Michael Mendel, Business Segment Austria & Central and Eastern Europe Gerhard Randa, Business Segment Austria & Central and Eastern Europe Dr Wolfgang Sprißler, Chief Financial Officer · Positions reporting to Dieter Rampl Heinz Laber, Human Resources Management

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Fortune Global 500 Databank

· Positions reporting to Dr Wolfgang Sprißler Rolf Friedhofen, Group Finance and Tax Karl Limmer, Auditing Dr Andreas Früh, Legal Department Dr Burkhardt Pauluhn, Controlling · Positions reporting to Dr Michael Kemmer Henning Giesecke, Chief Credit Risk Officer Michael Papenfuß, Credit & Risk Management Thomas Groß, Group Credit Risk Control · Positions reporting to Gerhard Randa Matthias Sohler, Group IT Christoph Wetzel, Organisation/Operations/Processes Hans Weiss, Group Transactionbanking/-Services · Positions reporting to Business Segment Germany Christine Licci / Johann Berger Günther Berger, Corporate Customers Andreas Wölfer, Retail Customers and Private Banking Jürgen Cancik, Real Estate Dr Stefan Schmittmann, Sales north · Positions reporting to Business Segment Corporates & Markets Dr Stefan Jentzsch Jens-Peter Neumann, Markets Ronald Seilheimer, Corporates · Positions reporting to Business Segment Austria & CEE Gerhard Randa (Michael Mendel from 13 05 2005) Dr Erich Hampel, Chairman Wolfgang Haller, COO and Human Resources Dr Johann Strobl, CRO Wilhelm Hemetsberger, Chief Market Officer Stefan Ermisch, CFO Dr Dr Regina Prehofer, Corporates / Real Estate and CEE Willibald Cernko, Corporate and Private Customers

BANKING & FINANCE

SELECTED FINANCIAL DATA 31/12/01 '000 Interest income (Loss) before taxes Net (loss) Total assets Shareholders' equity (Loss) per share 24,417,000 (2,146,000) (2,442,000) 479,555,000 10,312,000 (4.92) 31/12/02 '000 19,645,000 (853,000) (850,000) 535,815,000 11,253,000 (1.51) 31/12/03 '000 12,221,000 (2,146,000) (2,442,000) 479,455,000 10,312,000 (4.92) 31/12/04 '000 10,935,000 (1,781,000) (1,992,000) 467,408,000 11,485,000 (3.27)

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Fortune Global 500 Databank

BANKING & FINANCE

Bayerische Landesbank

Bayerische Landesbank Brienner Strasse 18 D-80333 Munich Germany Tel: +49 89 2171 01 Fax: +49 89 2171 23579 [email protected] www.bayernlb.de Ticker Symbol: State-owned company Number of Employees: 8,940 ACTIVITIES Bayerische Landesbank is Germany's sixth largest bank and is jointly owned by the Free State of Bavaria and Bavarian Savings Banks Association. The Bank operates through the following segments:· Corporates: serves large SME corporate customers in Germany as well as multinationals in Germany and in the Bank's core markets of Europe, North America and Asia. · Real Estate: comprises BayernLB's commercial and residential real estate customers at both national and international levels. · Global Markets: combines all trading and issuing activities as well as the BayernLB Treasury. · Financial Institutions & Sovereigns: includes worldwide business relations with banks, insurance companies and other institutional customers, as well as government and non-Bavarian municipal customers. · Savings Banks, Bavarian Municipals/Corporates: comprises all of BayernLB's activities in supporting the Bavarian savings banks as well as Bavarian municipal and corporate customers. · Labo/LBS: comprises BayernLB's legally dependent institutions, Bayerische Landesbodenkreditanstalt (Labo) and Bayerische Landesbausparkasse (LBS). · Subsidiaries strategic to the Group: includes all consolidated subsidiaries of the BayernLB Group, including the capital investment company Bayern-Invest whose activities are focused on universal banking business, including retail / private banking and investment consulting. · Other / Consolidation: comprises, in addition to consolidation effects, the profit contributions of the Corporate Center, Risk Office and Corporate Services Support Operations. The segment also includes cross-divisional transactions whose contribution to the overall profit is allocable to neither business areas nor support operations. QUICK FACTS 2004 net interest income by segment:· · · · · · · · Corporates 413 mn Real Estate 215 mn Global Markets 330 mn Financial Institutions & Sovereigns 95 mn Savings Banks, Bavarian Municipals/Corporates 109 mn Labo/LBS 262 mn Subsidiaries strategic to the Group 763 mn Other/Consolidation (156 mn) REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029 6099 6159 6162 6163 6282

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Fortune Global 500 Databank

2004 return on equity by segment:· · · · · · · COMPETITORS Corporates 10.9% Real Estate (55.1%) Global Markets 28.0% Financial Institutions & Sovereigns 42.8% Savings Banks, Bavarian Municipals/Corporates (4.1%) Labo/LBS 8.7% Subsidiaries strategic to the Group 4.3%

BANKING & FINANCE

· Bayerische Hypo- und Vereinsbank Aktiengesellschaft · Commerzbank AG · WestLB AG

BOARD OF DIRECTORS Dr Siegfried Naser, First Vice Chairman Prof Dr Kurt Faltlhauser, Chairman Hansjörg Christmann, Director Dr Günther Beckstein, Second Vice Chairman Hans Schaidinger, Director Alois Hagl, Director Karl-Ludwig Kamprath, Director Georg Schmid, Director Klaus Weigert, Director Dr Otto Wiesheu, Director EXECUTIVES Werner Schmidt, Chairman Dr Rudolf Hanisch, Member Dieter Burgmer, Member Theo Harnischmacher, Member Stefan W Ropers, Member Dr Gerhard Gribkowsky, Member Dr Ralph Schmidt, Senior Executive Vice President

SELECTED FINANCIAL DATA 31/12/01 '000 Interest income Income before taxes Net income Total assets Shareholders' equity 16,091,827 199,234 254,242 325,825,546 8,377,887 31/12/02 '000 14,327,475 218,638 254,770 341,297,415 9,052,084 31/12/03 '000 12,391,020 557,202 79,228 313,431,000 9,174,510 31/12/04 '000 11,732,975 954,645 97,682 333,101,611 9,140,508

LOCATIONS · Deutsche Kreditbank Aktiengesellschaft Kronenstraße 8 / 10 10117 Berlin Tel: +49 30 20155-0 Fax: +49 30 20155-465 SWIFT BIC: BYLADEM 1001 [email protected] www.dkb.de

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Fortune Global 500 Databank

· SaarLB Ursulinenstraße 2 66111 Saarbrücken Tel: +49 681 383-01 Fax: +49 681 383-1200 SWIFT BIC: SALADE 55 [email protected] www.saarlb.de · Hong Kong BayernLB 19 / F., Standard Chartered Bank Building 4A Des Voeux Road Central Hong Kong / Hong Kong Tel: +852 2978-8333 Fax: +852 2877-3817 SWIFT BIC: BYLA HK HH [email protected] · United kingdom BayernLB Bavaria House · 13 / 14 Appold Street London EC2A 2NB Tel: +44 20 7247-0056 Fax: +44 20 7955-5173 SWIFT BIC: BYLA GB 22 [email protected] · Luxembourg BayernLB 3, rue Jean Monnet L-2180 Luxembourg Tel: +352 43 3122-1 Fax: +352 43 3122-4599 SWIFT BIC: BYLA LU LB [email protected] Banque LBLux S. A. 3, rue Jean Monnet L-2180 Luxembourg Tel: +352 42 434-1 Fax: +352 42 434-5099 SWIFT BIC: BYLA LU LL [email protected] www.lblux.lu · Italy BayernLB Via Cordusio, 2 I-20123 Milano Tel: +39 02 86390-1 Fax: +39 02 864216 SWIFT BIC: BYLA IT MM [email protected] · United States BayernLB 560 Lexington Avenue New York, N. Y. 10022 / USA Tel: +1 212 310-9800 Fax: +1 212 310-9841 SWIFT BIC: BYLA US 33 · France BayernLB 203, rue du Faubourg Saint-Honoré F-75380 Paris Cedex 08 Tel: +33 1 442114-00 Fax: +33 1 442114-44 SWIFT BIC: BYLA FR PP

BANKING & FINANCE

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· China BayernLB 17 / F., Hua Du Manison 828-838 Zhang Yang Road Pudong Shanghai 200122 / PR China Tel: +86 21 6876-6600 Fax: +86 21 6876-7700 [email protected] · Switzerland LB(Swiss) Privatbank AG Börsenstrasse 16 Postfach CH-8022 Zürich Tel: +41 1 26544-44 Fax: +41 1 26544-11 SWIFT BIC: BYLA CH ZZ [email protected] www.lbswiss.ch · Hungary Hungarian Foreign Trade Bank MKB ­ Magyar Külkereskedelmi Bank Rt. Váci u. 38. 1056 Budapest Tel: +36 1 327-8600 Fax: +36 1 269-0959 Telex 22-6941 extr h SWIFT BIC: MKKB HU HB [email protected] www.mkb.hu

BANKING & FINANCE

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BANKING & FINANCE

BNP Paribas (Groupe)

BNP Paribas (Groupe) 16 blvd des Italiens F-75009 Paris France Tel: +33 1 40 14 45 46 Fax: +33 1 40 14 69 73 [email protected] www.bnpparibas.com Ticker Symbol: Euronext: BNP Date of Establishment: 1966 Number of Employees: 99,433 ACTIVITIES BNP Paribas provides financial services including factoring, private equity, insurance, real estate, property financing, retail banking, consultancy and asset management, health insurance, employee savings, corporate capital equipment financing, securities services and asset management. QUICK FACTS BNP was formed in 1966 with the merger of BNCI and CNEP with BNP being privatized in 1993 BNP has 2,200 branches and 3,400 ATMs in France 2004 net banking income by core business:· Retail Banking 53% · Corporate and Investment Banking 31% · Asset Management 16% 2004 gross operating income by core business:· Retail Banking 52% · Corporate and Investment Banking 33% · Asset Management 15% 2004 employees by geographic region:· · · · · · · · COMPETITORS Africa 5.6% Asia 4.6% Oceania 0.4% Europe 20.2% Middle East 0.7% North America 11.9% South America 1.9% France 54.7% REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6029

· Société Générale · CCF

BOARD OF DIRECTORS Michel Pébereau, Chairman and CEO Patrick Auguste, Director Claude Bébéar, Director

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Jean-Louis Beffa, Director Jack Delage, Director Bernd Fahrholz, Director Michel François-Poncet, Vice Chairman Jacques Friedmann, Director François Grappotte, Director Paul-Louis Halley, Director Philippe Jaffré, Director Alain Joly, Director Denis Kessler, Director Jean-Marie Messier, Director Jean Morio, Director Lindsay Owen-Jones, Director David Peake, Director Baudouin Prot, Director Louis Schweitzer, Director René Thomas, Director EXECUTIVES Michel Pébereau, Chairman and CEO Baudouin Prot, President and COO Dominique Hoenn, COO Philippe Blavier, Corporate and Investment Banking Philippe Bordenave, Finance and Control Georges Chodron de Courcel, Corporate and Investment Banking Jean Clamon, Retail Financial Services Hervé Gouëzel, Group Information Systems Bernard Lemée, Group Human Resources Alain Papiasse, Head of the Asset Management and Services Amaury-Daniel de Seze, BNP Paribas Capital Michel François-Poncet, Vice-Chairman Jacques de Larosière, Advisor to the Chairman Jean-Laurent Bonnafé, French Retail Banking Michel Clair, Group Real Estate Manager, Pierre Mariani, International Retail Banking, Laurent Tréca, Group Development Vivien Levy-Garboua, Head of Compliance Alain Moynot, Adviser to General Management

BANKING & FINANCE

SELECTED FINANCIAL DATA 31/12/01 '000 Net banking income Profit before tax Profit after tax Total assets Earnings per share Dividends per share 17,450,000 6,558,000 4,018,000 710,319,000 4.64 3.375 31/12/02 '000 16,793,000 5,351,000 3,295,000 825,296,000 3.78 1.80 31/12/03 '000 17,935,000 6,332,000 3,761,000 783,076,000 4.31 1.80 31/12/04 '000 18,823,000 7,590,000 4,668,000 905,938,000 5.55 2.175

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BANKING & FINANCE

Canadian Imperial Bank of Commerce

Canadian Imperial Bank of Commerce Commerce Court Toronto, Ontario M5L 1A2 Canada Tel: +1 416 980 2211 Fax: +1 416 980 5028 www.cibc.com Ticker Symbol: Toronto: CM Date of Establishment: 1961 Number of Employees: 37,281 ACTIVITIES Canadian Imperial Bank of Commerce provides banking and financial services. The Bank operates in three strategic business lines:· CIBC Retail Markets · CIBC Wealth Management · CIBC World Markets QUICK FACTS 2004 vs. 2003 total revenue by business line:· · · · CIBC Retail Markets C$5,244 mn - C$4,967 mn CIBC Wealth Management C$2,506 mn - C$2,531 mn CIBC World Markets C$3,521 mn - C$3,473 mn Corporate and Other C$612 mn - C$605 mn REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029

2004 total revenue by geographic region:· · · · Canada $9,398 mn United States $1,691 mn West Indies $239 mn Other countries $555 mn

Return on equity by year:· · · · · 2000 2001 2002 2003 2004 20.3% 16.1% 5.1% 19.2% 18.7%

COMPETITORS

· Bank of Montreal · Royal Bank of Canada · The Bank of Nova Scotia

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BOARD OF DIRECTORS Douglas G Bassett, Director Jalynn H Bennett, Director The Lord Black of Crossharbour Gary F Colter, Director Pat M Delbridge, Director William L Duke, Director Ivan E H Duvar, Director William A Etherington, Chairman R D Fullerton, Director A L Flood, Director Margot A Franssen, Director The Honourable Gordon D Giffin, Director The Honourable James A Grant, Director Albert E P Hickman, Director John S Hunkin, President and CEO Arnold Naimark, Director Michael E J Phelps, Director Charles Sirois, Director Stephen G Snyder, Director W Galen Weston, Director

BANKING & FINANCE

EXECUTIVES John S Hunkin, President and CEO Jill Denham, Vice Chair, Retail Markets Wayne C Fox, Vice Chair and Chief Risk Officer (CRO) Treasury, Balance Sheet and Risk Management Ron Lalonde, Senior Executive Vice-President and Chief Administrative Officer Gerald T McCaughey, Chairman and CEO, CIBC World Markets and Vice Chair, Wealth Management Michael D Woeller, Vice Chair and Chief Information Officer Richard E Venn, Senior Executive Vice-President, Corporate Development, CIBC, Managing Director and Deputy Chairman, CIBC World Markets Inc Tom Woods, Senior Executive Vice-President and CFO Lachlan MacLachlan, VP-President and Ombudsman BIOGRAPHIES JOHN S. HUNKIN - PRESIDENT AND CEO John Hunkin is president and CEO of the CIBC group of companies, one of North America's largest financial services institutions. Mr. Hunkin joined CIBC in 1969. He held a number of positions in the bank's domestic and international operations before being appointed general manager, U.S.A., in 1980. In 1984, he became VP-president, U.S.A., and two years later was named executive vice-president of western hemisphere investment banking activities. In 1988, Mr. Hunkin moved to Wood Gundy Inc. as president and COO, and was named Wood Gundy's deputy chairman and CEO in 1990. In 1992, he was appointed president of CIBC's investment and corporate banking operations, which were renamed CIBC World Markets in 1997. Mr. Hunkin was elected to the board of directors of CIBC in 1993. He became chairman and CEO in June 1999. In June of 2003, Mr. Hunkin brought forward a recommendation to the CIBC Board of Directors to separate the roles of chairman and CEO. This re-alignment is in keeping with what other "best practice" organizations are doing in the area of corporate governance and is designed to ensure that our employees, customers and shareholders perceive a clear delineation and accountability between the two roles. He is chair of the Advisory Council, Schulich School of Business, York University; a member of the York University Board of Governors; he serves on the Board's Finance, Property and Staff Resources Committee and he is also a Trustee of the York University Foundation. He is on the Board of Trustees of the Montreal Museum of Fine Arts Foundation, is a member of the Board of Directors, St. Michael's Hospital Foundation, and a member of the Board of Directors, The Conference Board of Canada. Mr. Hunkin holds a BA in Economics from the University of Manitoba and an MBA from York University. TOM WOODS - SENIOR EXECUTIVE VICE-PRESIDENT AND CFO, CIBC Mr. Woods has spent his entire career with CIBC. He joined Wood Gundy, the predecessor firm of CIBC World Markets, in 1977 in the Toronto Investment Banking Department. He moved to the Montreal Investment Banking Department in 1980 and returned to Toronto Investment Banking in 1985. Throughout this time he specialized in advising companies in raising financing in the equity and debt capital markets and in mergers and acquisitions. MICHAEL D. WOELLER - VICE CHAIR AND CHIEF INFORMATION OFFICER, CIBC Mike Woeller joined CIBC as Chief Information Officer and SEVP in July of 2000. During his 23-year career in financial services, he has held a number of senior executive positions at Canada Trust and TD Bank. Most recently, he was an EVP at TD Bank where he developed the merger integration plan for TD Canada Trust. Prior to joining TD Bank, Mike worked at Canada Trust where he was EVP, Direct Banking and Information Services, and a member of the executive management group. During his time at Canada Trust, Mike ran a number of businesses including MasterCard, Core Banking and

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BANKING & FINANCE

Direct Banking. He also spent several years in the branch banking system operating out of Ottawa and Edmonton. During the seven years he ran the information technology group at CT, he led the organization through several implementations of customer focused technology projects, including the industry -leading EasyLine telephone banking and EasyWeb banking service launches. Mike has served as a director on a number of industry boards, including the Interac Association of Canada, and MasterCard Canada. He currently chairs the board of Intria Items Incorporated, a joint venture between CIBC and Fiserv Solutions, and is a director of Intria-HP, a joint venture between CIBC and Hewlett-Packard. RON LALONDE - SENIOR EXECUTIVE VICE-PRESIDENT AND CHIEF ADMINISTRATIVE OFFICER, CIBC Ron Lalonde has overall responsibility for finance, human resources, marketing, legal, compliance, audit, communications, corporate real estate and other administrative functions across the CIBC group of companies. JILL DENHAM - VICE CHAIR, RETAIL MARKETS, CIBC Jill Denham is the Vice Chair, Retail Markets. Previously, Denham was Senior Executive Vice-President Retail Markets cibc.com, working directly on developing CIBC's e-commerce strategies. As Vice-Chair, she continues to provide leadership for these initiatives. SELECTED FINANCIAL DATA 31/10/01 C$'000 Total revenue Income before taxes Income after taxes Shareholders' equity Total assets Earnings per share Dividends per share 11,162,000 1,836,000 1,686,000 11,900,000 287,474,000 C$4.19 C$1.44 31/10/02 C$'000 11,041,000 412,000 653,000 12,333,000 273,293,000 C$1.37 C$1.60 31/10/03 C$'000 11,576,000 2,305,000 2,063,000 13,778,000 277,147,000 C$5.21 C$1.64 31/10/04 C$'000 11,883,000 3,004,000 2,199,000 13,223,000 278,764,000 C$5.60 C$2.20

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BANKING & FINANCE

China Construction Bank

China Construction Bank 25 Finance Street Beijing 100032 China Tel: +86 10 6759 7114 Fax: +86 10 6360 3194 www.ccb.cn Ticker Symbol: State-owned company Date of Establishment: 1954 Number of Employees: 310,391 ACTIVITIES China Construction Bank provides banking and financial services REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021 6022

COMPETITORS

· Bank of East Asia Limited · Bank of China · Hang Seng Bank Limited

BOARD OF DIRECTORS Guo Shuqing, Chairman Chang Zhenming, Vice Chairman Liu Shulan, Executive Director Zhao Lin, Executive Director Zhu Zhenmin, Non-Executive Director Jing Xuecheng, Non-Executive Director Wang Shumin, Non-Executive Director Wang Yonggang, Non-Executive Director Song Fengming, Independent Director Yashiro Masamoto, Independent Director Liu Xianghui, Non-Executive Director Zhang Xiangdong, Non-Executive Director Tse Hau Yin, Independent Director Xuan Changneng, Secretary to the Board of Directors EXECUTIVES Chang Zhenming, President Liu Shulan, Vice President Zhao Lin, Vice President Luo Zhefu, Vice President Xin Shusen, Chief Compliance Officer Chen Zuofu, Assistant President Fan Yifei, Assistant President SELECTED FINANCIAL DATA 31/12/03 RMBY'000,000 Operating income Profit before tax Net income Total assets Shareholders' equity 113,985 37,473 22,387 3,553,070 186,230 31/12/04 RMBY'000,000 126,953 50,216,000 48,388 3,904,785 194,744

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BANKING & FINANCE

LOCATIONS · Beijing Branch Gate 4, No. 28, West Street, Xuanwumen, Beijing Tel: +86 10 63603664 Fax: +86 10 63603656 · Tianjin Branch Plus 1 No. 19, Nanjing Road, Hexi District, Tianjin Tel: +86 22 23401616 Fax: +86 22 23400503 · Hebei Branch No. 40, Ziqiang Road, Shijiazhuang Tel: +86 311 7888866 Fax: +86 311 8601010 · Shanxi Branch No. 126, Yingze Street, Taiyuan Tel: +86 351 4957800 Fax: +86 351 4957871 · Inner Mongolia Branch No. 45, South Xincheng Street, Huhhot Tel: +86 471 6200303 Fax: +86 471 6200257 · Liaoning Branch No. 176, Zhongshan Road, Heping District, Shenyang Tel: +86 24 22787600 Fax: +86 24 22856915 · Dalian Branch No. 1, Jiefang Street, Zhongshan District, Dalian Tel: +86 411 82818818 Fax: +86 411 82804560 · Jilin Branch No. 810, Xi'an Road, Changchun Tel: +86 431 8573030 Fax: +86 431 8988748 · Heilongjiang Branch No. 67, Hongjun Street, Nangang District, Harbin Tel: +86 451 53619788 Fax: +86 451 53625552 · Shanghai Branch No. 201, Yincheng East Road, Pudong District, Shanghai Tel: +86 21 58880000 Fax: +86 21 58781818 · Frankfurt Branch Bockenheimer Landstrasse 51-53 Frankfurt am Main 60325, Germany Tel: +49-69-97149511 Fax: +49-69-97149588 www.ccbff.de · Johannesburg Branch 2nd Floor Bowman and Gilfillan Building, 165 West Street Sandown, Sandton, Johannesburg, South Africa 2146 Tel: +27-11-5209401 Fax: +27-11-5209411 www.ccbjhb.com

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· Tokyo Branch Toranomon 2, Chome Building 8F 2-3-17 Toranonmon Mintaoku, Tokyo, Japan Tel: +81-3-5511-0188 Fax: +81-3-5511-0189 [email protected] · South Korea Branch 100-768 7th Floor Seoul Finance Center, 84 Taepyungro 1-GA, Chung-gu, Seoul, Korea Tel: +82-2-67301702 Fax: +82-2-67301701 www.ccbseoul.com · London Representative Office 6th Floor, 29/30 Cornhill London EC3V 3ND, U.K. Tel: +44-207-2207871 Fax: +44-207-2207849 [email protected] · New York Representative Office 350 Park Avenue, 25th Floor, New York, NY 10022, U.S.A. Tel: +1-212-2078188 Fax: +1-212-2078288 [email protected] · Jiang Sing Bank Limited 41/F, Tower One, Lippo Centre, 89 Queensway, Admiralty, Hong Kong Tel: +852-25412210 Fax: +852-25411115 www.jsb.com.hk · Sino-German Bausparkasse Co Ltd 27th Floor, Plus 1 No. 19, Nanjin Road, Hexi District, Tianjin Tel: +86 22 23126699 Fax: +86 22 23122828 www.sgb.cn

BANKING & FINANCE

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BANKING & FINANCE

Citigroup Inc

Citigroup Inc 399 Park Avenue New York, NY 10043 United States Tel: +1 212 559 1000 Fax: +1 212 793 3946 www.citigroup.com Ticker Symbol: New York: C Date of Establishment: 1812 Number of Employees: 275,000 ACTIVITIES Citigroup Inc provides financial services including commercial and corporate banking REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029

QUICK FACTS 2004 vs. 2003 income breakdown by geographic region was as follows:· · · · · · North America 47% - 64% Asia 16% - 10% Japan 5% - 4% Mexico 10% - 8% EMEA 14% - 10% Latin America 8% - 4%

Citigroup Inc activities are focused on 9 product lines with the following net incomes for 2003:· · · · · · · · · Cards $3.6 bn Consumer Finance $1.9 bn Retail Banking $4.2 bn Private Client Services $0.8 bn Capital Markets & Banking $4.6 bn Transaction Services $0.8 bn Life Insurance & Annuities $0.8 bn Citigroup Private Bank $0.6 bn Asset Management $0.4 bn

Return on average stockholders' equity by year as follows:· · · · · 2000 2001 2002 2003 2004 22.4% 19.7% 18.6% 19.8% 17.0%

COMPETITORS

· J P Morgan Chase & Co · Bank of America Corporation · Deutsche Bank AG

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BOARD OF DIRECTORS C Michael Armstrong, Director Alain J P Belda, Director George David, Director Kenneth T Derr, Director John M Deutch, Director Roberto Hernández Ramirez, Director Ann Dibble Jordan, Director Dudley C Mecum, Director Richard D Parsons, Director Andrall E Pearson, Director Charles Prince, CEO Robert E Rubin, Director Franklin A Thomas, Director Sanford I Weill, Chairman Robert B Willumstad, President & COO Arthur Zankel, Director EXECUTIVES Ellen Alemany, EVP, Commercial Businesses Group David C Bushnell, Senior Risk Officer Nicholas E Calio, SVP, Global Government Affairs William P Hannon, Controller and Chief Accounting Officer Michael Helfer, General Counsel and Corporate Secretary Deborah Hopkins, Chief Operations and Technology Officer Alan S MacDonald, COO, Global Banking Charles Prince, CEO Sheri Ptashek, Director, Investor Relations William R Rhodes, VP Chairman, Senior International Officer Michael Schlein, SVP, Global Corporate Affairs, Human Resources, and Business Practices Todd S Thomson, EVP Finance, Operations & Strategy and CFO Guy Whittaker, Treasurer Robert B Willumstad, President & COO

BANKING & FINANCE

SELECTED FINANCIAL DATA 31/12/01 US$'000 revenues Profit before tax Profit after tax Shareholders' equity Total assets Earnings per share Dividends per share 67,376,000 20,519,000 14,126,000 81,247,000 1,051,850,000 US$2.61 US$0.60 31/12/02 US$'000 71,308,000 20,537,000 15,276,000 86,718,000 1,097,590,000 US$2.63 US$0.70 31/12/03 US$'000 77,442,000 26,333,000 17,853,000 98,014,000 1,264,032,000 US$3.49 US$1.10 31/12/04 US$'000 86,190,000 24,182,000 17,046,000 109,291,000 1,484,101,000 US$3.32 US$1.60

TRADENAMES Citi Citibank Citicorp Citigroup

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Fortune Global 500 Databank

BANKING & FINANCE

Commerzbank AG

Commerzbank AG D-60261 Frankfurt am Main Germany Tel: +49 69 136 20 Fax: +49 69 28 53 89 [email protected] www.commerzbank.de Ticker Symbol: Germany: CBK Date of Establishment: 1870 Number of Employees: 32,820 ACTIVITIES Commerzbank AG is Germany's third-largest private-sector bank and one of Europe's leading financial institutions. REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029

QUICK FACTS Branches by year:· · · · COMPETITORS 2001 2002 2003 2004 981 904 884 952

· Dresdner Bank AG · Deutsche Bank AG · Bayerische Hypo- und Vereinsbank Aktiengesellschaft

BOARD OF DIRECTORS Dr Martin Kohlhaussen, Chairman Uwe Tschäge, Deputy Chairman Hans-Hermann Altenschmidt, Director Dr Sergio Balbinot, Director Herbert Bludau-Hoffmann, Director Astrid Evers, Director Uwe Foullong, Director Daniel Hampel, Director Dr Otto Happel, Director Dr Heiner Hasford, Director Sonja Kasischke, Director Wolfgang Kirsch, Director Werner Malkhoff, Director Klaus Müller-Gebel, Director Dr Sabine Reiner, Director Dr Erhard Schipporeit, Director Prof Dr Ekkehard Schulz, Director Prof Dr Jürgen Strube, Director Dr Klaus Sturany, Director Dr EHeinrich Weiss, Director EXECUTIVES Klaus-Peter Müller, Chairman Martin Blessing, Member

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Fortune Global 500 Databank

Wolfgang Hartmann, Member Dr Achim Kassow, Member Klaus M Patig, Member Dr Eric Strutz, Member Nicholas Teller, Member

BANKING & FINANCE

SELECTED FINANCIAL DATA 31/12/01 '000 Net interest income Income before taxes Net income Total assets Shareholders' equity Earnings (loss) per share Interest received 3,581 43,000 102,000 501,312,000 11,760,000 0.19 22,571,000 31/12/02 '000 3,133,000 (372,000) (298,000) 422,134,000 8,808,000 (0.56) 18,032,000 31/12/03 '000 2,776,000 828,000 393,000 381,585,000 9,091,000 (4.26) 11,767,000 31/12/04 '000 2,991,000 (1,980,000) (2,320,000) 424,879,000 9,801,000 0.66 11,352,000

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BANKING & FINANCE

Commonwealth Bank of Australia

Commonwealth Bank of Australia Level 7 48 Martin Place Sydney NSW 1155 Australia Tel: +61 2 9378 2000 Fax: +61 2 9378 3317 [email protected] www.commbank.com.au Ticker Symbol: ASX: CBA Date of Establishment: 1911 Number of Employees: 35,313 ACTIVITIES The Commonwealth Bank of Australia provides banking and financial services including retail, premium, business and institutional banking, funds management, superannuation, general and life insurance, broking services and finance company activities QUICK FACTS 2005 vs. 2004 total assets by geographic region:· Australia A$271,596 mn vs. A$221,248 mn · New Zealand A$41,650 mn vs. A$35,059 mn · Other Countries A$15,789 mn vs. A$18,284 mn In 2005, the bank had 1,006 branches/service centres and 3,864 agencies in Australia The bank operates in 5 divisions:· · · · · COMPETITORS Retail Banking Services Premium Financial Services Institutional and Business Services Investment and Insurance Services International Financial Services REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021

· Westpac Banking Corporation · National Australia Bank Limited · Australia and New Zealand Banking Group Limited

BOARD OF DIRECTORS John T Ralph, Chairman John M Schubert, Deputy Chairman David V Murray, Managing Director and CEO N R Adler, Director Reg J Clairs, Director A B (Tony) Daniels, Director Colin R Galbraith, Director Warwick G Kent, Director Fergus D Ryan, Director Frank J Swan, Director Barbara K Ward, Director S Carolyn H Kay, Director

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EXECUTIVES John T Ralph, Chairman David Murray, Managing Director and CEO Stuart Grimshaw, Group Executive, Investment and Insurance Services Les Cupper, Group Executive, Group Human Resources Michael Ullmer, Group Executive, Institutional and Business Services Garry Mackrell, Group Executive, International Financial Services Adrian Cosenza, Group Executive, Office of the CEO and Group Strategic Development Michael Katz, Group Executive, Premium Financial Services Hugh Harley, Group Executive, Retail Banking Services Bob McKinnon, Group Executive, Technology Michael Cameron, Group Executive, Financial and Risk Management John O'Sullivan, Chief Solicitor and General Counsel BIOGRAPHIES DAVID MURRAY - CEO

BANKING & FINANCE

David Murray joined the Commonwealth Bank in 1966 and was appointed CEO in June 1992. He is a Board member of the Bank. The Commonwealth Bank is one of Australia's four major banks and is one of Australia's top 10 listed corporations. It was founded in 1911 by the Australian Government and its privatisation was completed in 1996. During David's time as Managing Director, the Bank has undergone major change programs to promote the development of a sales and service culture and build competitive cost structures. In 2000, Mr Murray presided over the Bank's merger with the Colonial Bank which was the largest financial services merger in Australian corporate history. David Murray's career has spanned branch banking, corporate finance, strategic planning and retail executive management. During his time as financial controller, he played a lead role in two major acquisitions for the Bank involving the New Zealand retail bank, ASB Bank, and the acquisition of the State Bank of Victoria, at the time one of the largest retail bank mergers in the world. STUART GRIMSHAW - GROUP EXECUTIVE, INVESTMENT AND INSURANCE SERVICES Stuart Grimshaw joined the Bank as Group Executive Financial and Risk Management (FRM) in January 2002 and was appointed Group Executive Investment and Insurance Services (IIS) in March 2003. Within the Commonwealth Bank IIS is responsible for the manufacture and administration of all non-banking services in Australia, including those of Colonial First State, as well as investment services overseas. It is also responsible for the strategic and operational support for investment and insurance products. Stuart is a well-rounded banking and financial services executive with Australian and international experience. He has considerable global and domestic expertise in understanding and managing the financial needs of business and corporate customers. Stuart was formerly CEO, Great Britain for the National Australia Bank and responsible for National's Yorkshire and Clydesdale Banks. In this role, Stuart had direct accountability for the operations of these two banks, including all aspects of customer interface, Board reporting and financial performance. Stuart commenced his career in banking and finance as a graduate trainee with ANZ in 1983. He joined National in 1991 where he held senior credit, relationship, commercial and corporate banking roles, including an 18 month secondment to Morgan Stanley International Inc, New York. LES CUPPER - GROUP EXECUTIVE, HUMAN RESOURCES Les Cupper joined the Commonwealth Bank in 1996. He heads the Bank's Group Human Resources function. His career is diverse encompassing both senior line management and policy roles in academia, mining and manufacturing. Prior to joining the Bank, Les held a number of roles with CRA Limited for 12 years. These included Chief Adviser Organisation Development, Chief Adviser Employee Relations, Group VP Human Resources and Managing Director Comalco Extruded and Foundry Products. Previous to these roles, Les held a number of academic appointments in lecturing and research with universities in Australia, the United Kingdom and the United States in employee relations, management and union education. MICHAEL ULLMER - GROUP EXECUTIVE, INSTITUTIONAL AND BUSINESS SERVICES Michael Ullmer joined the Commonwealth Bank in 1997 as General Manager Finance and Risk Management and was recently appointed to Group Executive Institutional and Business Services. Prior to joining the Bank he was with Coopers & Lybrand and Chairman of its Australasian Financial Services Group and its Asian Banking Group. Before that, he had similar roles with KPMG. He has over 25 years experience in banking and financial services and is widely regarded as an expert in the industry. Prior to working in the Asia Pacific region, Mr Ullmer had five years in the industry in the UK and two years in the United States.

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GARRY MACKRELL - GROUP EXECUTIVE, INTERNATIONAL FINANCIAL SERVICES

BANKING & FINANCE

Garry Mackrell was appointed Head of International Financial Services in September 2001. In this role, Garry is responsible for a range of life insurance, retirement savings and banking businesses in New Zealand, Asia and the Pacific. Prior to this he was Head of CEO Office and Group Planning and Development, primarily responsible for strategic planning, industry policy and mergers and acquisitions for the Commonwealth Bank. Garry joined the Bank in 1973. In 1975, he transferred from Townsville to the Bank's Economic and Research division as an economist and was appointed Manager Balance Sheet Risk Management in 1980 and Senior Manager Investments in 1983. Garry was then appointed Chief Manager, Treasury Management in 1984. In 1986, he was appointed to the role of Regional Treasurer and Deputy Regional Manager, Americas, where he established regional treasury operations in New York and Los Angeles. In 1987 Garry returned to Australia to head up Capital Markets, institutional Banking and in 1991 was appointed Chief Executive of AEFC Limited. In 1993 he was appointed to Head of Financial Markets Distribution, Institutional Banking and in 1995 moved to the Group planning role. SELECTED FINANCIAL DATA 30/6/02 A$'000 Total operating income Profit before tax Profit after tax Shareholders' equity Total assets Earnings per share Dividends per share 9,068,000 3,572,000 2,655,000 19,030,000 249,648,000 A$2.096 A$1.50 30/6/03 A$'000 9,399,000 2,976,000 2,012,000 20,024,000 265,110,000 A$1.574 A$1.54 30/6/04 A$'000 10,491,000 3,843,000 2,572,000 22,405,000 305,995,000 A$1.969 A$1.83 30/6/05 A$'000 11,354,000 5,638,000 3,991,000 24,271,000 329,035,000 A$3.031 A$1.97

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BANKING & FINANCE

Countrywide Financial Corporation

Countrywide Financial Corporation 4500 Park Granada Calabasas, CA 91302-1613 United States Tel: +1 818 225 3000 Fax: +1 818 225 4051 www.countrywide.com Ticker Symbol: New York: CFC Number of Employees: 42,141 ACTIVITIES Countrywide Financial Corporation is a diversified financial services holding company engaged primarily in residential mortgage banking and related businesses. The Company operates through five operating segments:· Mortgage Banking - provision of mortgage loans. · Banking - operation of a federally-chartered bank primarily investing in mortgage loans and home equity lines · Capital Markets - operation of an institutional broker-dealer primarily specializing in trading and underwriting mortgage-backed securities. · Insurance - provision of property, casualty, life and credit insurance as an underwriter and as an independent agent. · Global Operations - provision of mortgage loan application processing and mortgage loan servicing in the United Kingdom. QUICK FACTS 2004 revenues by segment:· · · · · Mortgage Banking $6,075.8 mn Banking $783.6 mn Capital Markets $761.4 mn Insurance $896.8 mn Global Operations $228 mn REGION: North America SECTOR: Banking and Finance SIC Codes: 6162

2004 revenue breakdown by segment:· · · · · COMPETITORS Mortgage Banking 65% Banking 16% Capital Markets 13% Insurance 5% Global Operations 1%

· Bank of America Corporation · Wells Fargo & Company · Washington Mutual Inc

BOARD OF DIRECTORS Angelo R Mozilo, Chairman and Chief Executive Officer Kathleen Brown, Director Henry G Cisneros, Director Jeffrey M Cunningham, Director Robert J Donato, Director

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Michael E Dougherty, Director Ben M Enis, Director Edwin Heller, Director Stanford L Kurland, President and Chief Operating Officer Martin R Melone, Director Robert T Parry, Director Oscar P Robertson, Director Keith P Russell, Director Harley W Snyder, Director

BANKING & FINANCE

EXECUTIVES Angelo R Mozilo, Chairman and Chief Executive Officer Stanford L Kurland, President and Chief Operating Officer and Chairman and Chief Executive Officer Countrywide Home Loans Inc David Sambol, Executive Managing Director of Mortgage Banking and Capital Markets and President and Chief Operating Officer Countrywide Home Loans Inc SELECTED FINANCIAL DATA 31/12/01 US$'000 Total revenues Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share 2,470,551 788,619 486,006 37,244,419 4,087,642 US$1.01 US$0.10 31/12/02 US$'000 4,291,667 1,343,023 841,779 58,058,531 5,161,133 US$1.69 US$0.09 31/12/03 US$'000 7,978,642 3,845,772 2,372,950 97,977,673 8,084,716 US$4.44 US$0.15 31/12/04 US$'000 8,566,627 3,595,873 2,197,574 128,495,705 10,310,076 US$3.90 US$0.37

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BANKING & FINANCE

Credit Agricole SA

Credit Agricole SA 91-93 blvd Pasteur F-75015 Paris France Tel: +33 1 43 23 52 02 Fax: +33 1 43 23 55 02 [email protected] www.credit-agricole.fr Ticker Symbol: Paris: ACA Date of Establishment: 1894 Number of Employees: 62,001 ACTIVITIES Crédit Agricole SA provides financial services including retail and universal banking. The Bank operates through the following segments:· French retail banking ­ Regional Banks: provision of banking and financial services to personal customers, farmers, corporate customers and local authorities. · French retail banking ­ Crédit Lyonnais: provision of banking and financial services to personal, small business and middlemarket banking. · Specialised financial services: provision of consumer finance services. · Asset management, insurance and private banking: provision of asset management and private banking services. · Calyon: corporate and investment banking: provision of corporate and investment banking in sixty countries. · International retail banking: provision of international retail banking international banking mainly based in Europe and to a lesser degree in Africa/Middle-East and Latin America. QUICK FACTS 2004 breakdown of net income by business line:· · · · · · Regional Banks 17% Crédit Lyonnais 13% Specialised financial services 10% Asset management, insurance and private banking 24% Corporate and investment banking 28% International retail banking 8% REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029

2004 breakdown of employees by region:· · · · · · · Western Europe 80.4% Africa 6.2% Central and Eastern Europe 5.8% Asia-Pacific 4.1% North America 2.2% Middle-East 0.4% South America 0.8%

2004 net banking income by business line:· · · · · · French retail banking ­ Regional Banks 658 mn French retail banking ­ Crédit Lyonnais 2.4 bn Specialised financial services 2.4 bn Asset management, insurance and private banking 2.8 bn Calyon: corporate and investment banking 3.9 bn International retail banking 352 mn

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Fortune Global 500 Databank

Return on equity by year:· 2002 8.7% · 2003 10.6% · 2004 13.6%

BANKING & FINANCE

COMPETITORS

· BNP Paribas · Société Générale · La Caisse Nationale des Caisses d'Epargne et de Prévoyance

BOARD OF DIRECTORS René Carron, Chairman Jean-Marie Sander, Deputy Chairman Yves Couturier, Deputy Chairman Noël Dupuy, Deputy Chairman Pierre Bru, Director Philippe Camus, Director Alain David, Director Alain Diéval, Director Xavier Fontanet, Director Carole Giraud-Vallentin, Director Roger Gobin, Director Pierre Kerfriden, Director Daniel Lebègue, Director Bernard Mary, Director Michel Michaut, Director Jean-Pierre Pargade, Director Corrado Passera, Director Jean-Claude Pichon, Director Jean-Michel Lemétayer, Director Henri Corbel, Director Michel Guermeur, Director Henri Moulard, Director Daniel Coussens, Director

EXECUTIVES René Carron, Chairman Jean Laurent, CEO Edouard Esparbès, Deputy CEO Georges Pauget, Deputy CEO Jacques Baudouin, Deputy CEO, Crédit Lyonnais Aline Bec, Head of Bank Operations Information Systems Jérôme Brunel, Head of Group Human Resources Thierry Coste, Head of Asset Management Ariberto Fassati, Deputy CEO, Calyon Jérôme Grivet, Calyon's Corporate Secretary and Head of Strategy and Organisation Gilles Guitton, Head of General Secretariat Jean-Frédéric de Leusse, Head of International Retail Banking and Investment Capital Marc Litzler, Deputy Chief Executive Officer, Calyon Gilles de Margerie, Group Financial and Risk Management Officer Bernard Michel, Head of Operations and Logistics Yves Perrier, Deputy CEO, Calyon Patrick Valroff, Head of Specialised Financial Services, Chairman and CEO, Sofinco Marc Ghinsberg, Head of Management Control and Planning, Subsidiaries and Affiliates, Head of Strategy and Development

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Fortune Global 500 Databank

SELECTED FINANCIAL DATA 31/12/01 '000 Net banking income Profit before tax Profit after tax Deposits Total assets Earnings per share Dividends per share 6,598,000 2,221,000 1,067,000 200,681,000 495,067,000 1.375 0.55 31/12/02 '000 5,329,000 1,595,000 1,064,000 205,087,000 505,718,000 1.099 0.55 31/12/03 '000 9,351,000 2,985,000 1,026,000 297,765,000 785,985,000 0.865 0.55

BANKING & FINANCE

31/12/04 '000 12,513,000 4,376,000 2,203,000 305,192,000 814,282,000 1.496

LOCATIONS · ADDRESSES AND MANAGEMENT OF THE REGIONAL BANKS · Alpes Provence 25, chemin des Trois Cyprès 13700 Aix-en-Provence Tel: +33 4 42 52 77 50 Chairman: Marc Pouzet Chief Executive: Dominique Millour www.ca-alpesprovence.fr · Alsace Vosges 1, place de la Gare 67000 Strasbourg Tel: +33 3 88 25 42 42 Chairman: Jean-Marie Sander Chief Executive: Joël Fradin www.ca-alsace-vosges.fr · Anjou Maine 40, rue Prémartine 72000 Le Mans Tel: +33 2 43 76 33 33 Chairman: Jean-Louis Roveyaz Chief Executive: Bruno de Laage www.ca-anjou-maine.fr · Aquitaine 304, boulevard du Président Wilson 33000 Bordeaux Tel: +33 5 56 90 40 40 Chairman: Jean-Pierre Pargade Chief Executive: Christian Duvillet www.ca-aquitaine.fr · Atlantique Vendée La Garde ­ Route de Paris 44000 Nantes Tel: +33 2 40 30 55 55 Chairman: Roger Gobin Chief Executive: Bernard Merlet www.ca-atlantique-vendee.fr · Brie 24, avenue du Maréchal Foch 77100 Meaux Tel: +33 1 60 25 91 23 Chairman: Bruno Clergeot Chief Executive: Nicolas Renaudin www.ca-brie.fr · Calvados 15, esplanade Brillaud de Laujardière 14000 Caen Tel: +33 2 31 55 61 11 Chairman: Bernard Hulin Chief Executive: Marc Deschamps www.ca-calvados.fr

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Fortune Global 500 Databank

· Centre-Est 1, rue Pierre de Truchis de Lays 69400 Champagne-au-Mont-d'Or Tel: +33 4 72 52 80 00 Chairman: Claude Henry Chief Executive: Jean-Paul Chifflet www.ca-centrest.fr · Centre France 3, avenue de la Libération 63000 Clermont-Ferrand Tel: +33 4 73 30 57 00 Chairman: Maurice Baquier Chief Executive: Bernard Lolliot www.centrefrance.fr · Centre Loire 8, allée des Collèges 18000 Bourges Tel: +33 2 38 60 20 00 Chairman: François Thibault Chief Executive: Guy Chateau www.ca-centreloire.fr · Centre Ouest 29, boulevard de Vanteaux 87000 Limoges Tel: +33 5 55 05 75 50 Chairman: Bernard Pigé Chief Executive: Patrice Cheramy www.ca-centreouest.fr · Champagne-Bourgogne 269, faubourg Croncels 10000 Troyes Tel: +33 3 25 71 40 00 Chairman: Michel Michaut Chief Executive: Jean-Michel Ozoux www.ca-cb.fr · Charente-Maritime Deux-Sèvres 12, boulevard Guillet-Maillet 17107 Saintes Tel: +33 5 46 98 50 17 Chairman: Michel Roullin Chief Executive: Jean-Yves Hocher www.ca-cmds.fr · Charente-Périgord Rue d'Epagnac 16800 Soyaux Tel: +33 5 45 20 45 20 Chairman: François Jaubert Chief Executive: François Macé www.ca-charente-perigord.fr · Corse 1, Avenue Napoléon III 20000 Ajaccio Tel: +33 4 95 29 33 33 Chief Executive: Francis Lamarque www.ca-corse.fr · Côtes-d'Armor La Croix Tual 22440 Ploufragan Tel: +33 2 96 01 32 10 Chairman: Jean-Pierre Morvan Chief Executive: Thierry Guichet www.ca-cotesdarmor.fr

BANKING & FINANCE

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Fortune Global 500 Databank

· Finistère 7, Route du Loch 29000 Quimper Tel: +33 2 98 76 01 11 Chairman: Jean Le Vourch Chief Executive: Pierre Kerfriden www.ca-finistere.fr · Franche-Comté 11, avenue Elisée Cusenier 25000 Besançon Tel: +33 3 81 84 81 84 Chairman: Jean-Louis Delorme Chief Executive: Pierre Derajinski www.ca-franchecomte.fr · Gard 408, chemin du Mas de Cheylon 30000 Nîmes Tel: +33 4 66 29 33 00 Chairman: Dominique Chardon Chief Executive: Michel Mathieu www.ca-gard.fr · Guadeloupe Petit Pérou 97000 Point-à-Pitre Tel: +33 5 90 90 65 65 Chairman: Christian Fléreau Chief Executive: Roger Wunschel www.ca-guadeloupe.fr · Ille-et-Vilaine 45, boulevard de la Liberté 35000 Rennes Tel: +33 2 99 03 35 35 Chairman: Alain David Chief Executive: Jean Kerouedan www.ca-illeetvilaine.fr · Loire Haute-Loire 94, rue Bergson 42000 Saint-Etienne Tel: +33 4 77 79 55 00 Chairman: Marcel Eymaron Chief Executive: Gérard Ouvrier-Buffet www.ca-loirehauteloire.fr · Lorraine 56-58, avenue André Malraux 57000 Metz Tel: +33 3 83 93 66 11 Chairman: Jacques Chaise Chief Executive: Eric Pradel www.ca-lorraine.fr · Martinique Rue Case Nègre ­ Place d'Armes 97232 Lamentin Tel: +33 5 96 66 59 39 Chairman: Guy Ranlin Chief Executive: Pascal Durieux www.ca-martinique.fr · Midi Avenue de Montpelliéret Maurin 34970 Lattes Tel: +33 4 67 17 80 00 Chairman: Alain Maurel Chief Executive: Jean-Claude Pichon www.ca-midi.fr

BANKING & FINANCE

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Fortune Global 500 Databank

· Morbihan Avenue de Kéranguen 56000 Vannes Tel: +33 2 97 01 77 77 Chairman: Alexis Guéhenneux Chief Executive: Gilles Auvray www.ca-morbihan. fr · Nord de France 10, square Foch 59000 Lille Tel: +33 3 20 63 70 00 Chairman: Marc Bué Chief Executive: Alain Diéval www.ca-norddefrance.fr · Nord Est 25, rue Libergier 51000 Reims Tel: +33 3 26 83 30 00 Chairman: Luc Demazure Chief Executive: Bernard Mary www.ca-nord-est.fr · Nord Midi-Pyrénées 219 Avenue François Verdier 81000 Albi Tel: +33 5 63 68 41 41 Chairman: Pierre Bru Chief Executive: Bernard Lepot www.ca-nmp.fr · Normand Avenue de Paris 50000 Saint-Lô Tel: +33 2 33 06 61 61 Chairman: Jean Le Brun Chief Executive: Marc Deschamps www.ca-normand.fr · Normandie-Seine Chemin de la Bretèque 76230 Bois Guillaume Tel: +33 2 27 76 60 30 Chairman: Philippe Lepicard Chief Executive: Michel Rallet www.ca-normandie-seine.fr · Oise 18, rue d'Allonne 60000 Beauvais Tel: +33 3 44 12 60 60 Chairman: Denis Dubois Chief Executive: Patrick Clavelou www.ca-oise.fr · Paris & Ile-de-France 26, quai de la Rapée 75012 Paris Tel: +33 1 44 73 22 22 Chairman: François Imbault Chief Executive: Pascal Célérier www.ca-paris.fr · Provence Côte d'Azur Les Négadis ­ avenue Paul Arène 83300 Draguignan Tel: +33 4 93 14 85 00 Chairman: François Béraudo Chief Executive: Philippe Brassac www.ca-pca.fr

BANKING & FINANCE

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Fortune Global 500 Databank

· Pyrénées Gascogne 11, boulevard du Président Kennedy 65000 Tarbes Tel: +33 5 59 12 77 77 Chairman: Jean-Claude Rigaud Chief Executive: Jean Philippe www.ca-pyreneesgascogne.fr · Réunion Parc Jean de Cambiaire - Cité des Lauriers 97000 Saint-Denis Tel: +33 2 62 40 81 81 Chairman: Christian de la Giroday Chief Executive: Fernand Lemaire www.ca-reunion.fr · Savoie (des) P.A.E. Les Glaisins - 4, avenue du Pré Félin 74000 Annecy-le-Vieux Tel: +33 4 50 64 71 71 Chairman: René Carron Chief Executive: Patrick Gallet www.ca-des-savoie.fr · Somme 500, rue Saint-Fuscien 80000 Amiens Tel: +33 3 22 53 33 33 Chairman: Francis Damay Chief Executive: Serge Camine www.ca-somme. fr · Sud Méditerranée 30, rue Pierre Bretonneau 66000 Perpignan Tel: +33 4 68 55 66 66 Chairman: Jules Labadie Chief Executive: Gérard Bréchet www.ca-sudmed.fr · Sud Rhône Alpes 15-17, rue Paul Claudel 38000 Grenoble Tel: +33 4 76 86 70 70 Chairman: Marius Revol Chief Executive: Yves Couturier www.ca-sudrhonealpes.fr · Toulouse et Midi Toulousain 6-7 place Jeanne d'Arc 31000 Toulouse Tel: +33 5 61 26 91 11 Chairman: Gérard Cazals Chief Executive: Jean-Roger Drouet www.ca-toulousain.fr · Touraine et Poitou 18, rue Salvador Allende 86000 Poitiers Tel: +33 5 49 42 33 33 Chairman: Noël Dupuy Chief Executive: Christophe Noël www.ca-tourainepoitou.fr · Val de France 1, rue Daniel Boutet 28000 Chartres Tel: +33 2 37 27 30 30 Chairman: Dominique Lefèbvre Chief Executive: Yves Nanquette www.ca-valdefrance.fr

BANKING & FINANCE

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Fortune Global 500 Databank

BANKING & FINANCE

Credit Suisse Group

Credit Suisse Group Paradeplatz 8 P O Box 1 CH-8070 Zürich Switzerland Tel: +41 1 212 16 16 Fax: +41 1 333 25 87 [email protected] www.credit-suisse.com Ticker Symbol: New York: CSR Date of Establishment: 1856 Number of Employees: 60,532 ACTIVITIES Credit Suisse Group provides banking and financial services. The Bank operates through three main business units: Credit Suisse, Credit Suisse First Boston and Winterthur which are further divided into six operating segments:· Private Banking: Credit Suisse provides private banking services and wealth management products to high-net-worth clients in Switzerland and globally. · Corporate & Retail Banking: Credit Suisse provides banking products and services to corporate and retail clients in Switzerland. · Institutional Securities: Credit Suisse First Boston provides financial advisory and capital raising services and sales and trading for global users and suppliers. · Wealth & Asset Management: Credit Suisse First Boston provides international asset management services to institutional, mutual fund and private investors · Life & Pensions: Winterthur provides life insurance and pension products to private and corporate clients in Switzerland and selected markets in Europe and Asia. · Non-Life: Winterthur provides non-life insurance products to private and small and medium-sized corporate clients in Switzerland, North America and selected markets in Europe. QUICK FACTS 2004 net revenues by operating segment:· · · · · · Private Banking CHF 7,170 mn Corporate & Retail Banking CHF 3,348 mn Institutional Securities CHF 13,120 mn Wealth & asset Management CHF 4,202 mn Life & Pensions CHF 15,166 mn Non-Life CHF 11,860 mn REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029

2004 net revenues by location:· · · · Switzerland CHF 20,381 mn Europe (excluding Switzerland) CHF 18,434 mn Americas CHF 12,594 mn Asia/Pacific/Africa CHF 2,605 mn

Return on equity by year:· · · · 2001 2002 2003 2004 (1.4%) (11.4%) 2.2% 15.9%

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Fortune Global 500 Databank

COMPETITORS

BANKING & FINANCE

· Citigroup Inc · UBS AG · Deutsche Bank AG

BOARD OF DIRECTORS Walter B Kielholz, Chairman Hans-Ulrich Doerig, Vice-Chairman Thomas W Bechtler, Director Robert H Benmosche, Director Peter Brabeck-Letmathe, Director Noreen Doyle, Director Jean Lanier, Director Anton van Rossum, Director Aziz R D Syriani, Director David W Syz, Director Ernst Tanner, Director Peter F Weibel, Director Rainer E Gut, Director Pierre Schreiber, Corporate Secretary Béatrice Fischer, Corporate Secretary EXECUTIVES · GROUP EXECUTIVE BOARD COMMITTEE Oswald J Grübel, Chief Executive Officer, Credit Suisse Group Walter Berchtold, Chief Executive Officer, Credit Suisse Brady W Dougan, Chief Executive Officer, Credit Suisse First Boston Renato Fassbind, Chief Financial Officer, Credit Suisse Group Leonhard H Fischer, Chief Executive Officer, Winterthur Urs Rohner, Head of the Corporate Center and Group General Counsel, Credit Suisse Group · GROUP EXECUTIVE BOARD Paul Calello, Chairman and Chief Executive Officer, Credit Suisse First Boston Asia-Pacific Brian D Finn, President, Credit Suisse First Boston Tobias Guldimann, Chief Risk Officer, Credit Suisse Group Ulrich Körner, Chief Operating Officer and Chief Financial Officer, Credit Suisse Michael Philipp, Chairman and Chief Executive Officer, Credit Suisse First Boston Europe, Middle East and Africa Richard E Thornburgh, Executive Vice Chairman, Credit Suisse First Boston · DEPARTMENT HEADS AT THE CREDIT SUISSE GROUP CORPORATE CENTER Alois Bischofberger, Head of Economic Research Heinz Leibundgut, Group Chief Auditor Rudolf A Bless, Group Chief Accounting Officer Ann F Lopez, Head of Credit Risk Management Kim Fox-Moertl, Head of Group Liquidity and Capital Management Fritz Müller, Head of Tax David P Frick, Head of Group Legal & Compliance Charles Naylor, Group Chief Communications Officer Timothy S Gardner, Head of Human Resources Yuji Suzuki, Chairman Japan Stefan M Goetz, Head of Group Corporate Development Marco Taborelli, Head of Group Marketing Philip Hess, Chief of Staff Chris B Zumstein, Security · EXECUTIVE BOARDS OF THE BUSINESS UNITS · EXECUTIVE BOARD CREDIT SUISSE Walter Berchtold, Chief Executive Officer Karl Landert, Information Technology Ulrich Körner, Chief Operating Officer and Chief Financial Officer Josef Meier, Corporate & Retail Banking Alois Bättig, Private Banking Europe Joachim H Straehle, Private Banking International David Blumer, Trading & Sales Arthur Vayloyan, Private Banking Switzerland Daniel Brupbacher, Investment Management Urs Hofmann, Credit Suisse Business School Romeo Lacher, Operations Denise Stüdi, Human Resources Marco Taborelli, Marketing

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Fortune Global 500 Databank

· EXECUTIVE BOARD CREDIT SUISSE FIRST BOSTON Brady W Dougan, Chief Executive Officer James E Kreitman, Co-Head of the Equity Division Paul Calello, Chairman and Chief Executive Officer of the Asia Pacific Region Neil Moskowitz, Chief Financial Officer, Head of FA&O John Anthony Ehinger, Co-Head of the Equity Division Adebayo O Ogunlesi, Executive Vice Chairman and Chief Client Officer Brian D Finn, President Michael Philipp, Chairman and Chief Executive Officer of Europe, Middle East and Africa Mark D Granetz, Co-Head of Global Corporate and Investment Banking Richard E Thornburgh, Executive Vice Chairman John S Harrison, Managing Director Eric M Varvel, Co-Head of Global Corporate and Investment Banking James P Healy, Head of Global Fixed Income Mike Kenneally, Chairman and Global Chief Executive Officer of Credit Suisse Asset Management · EXECUTIVE BOARD WINTERTHUR Leonhard H Fischer, Chief Executive Officer Hans F Lauber, Chief Investment Officer John R Dacey, Strategy Hans Ulrich Lienau, Chief Financial Officer Philippe Egger, Switzerland Heinrich Linz, Head Corporate Center and Chief Operating Officer Frank Keuper, DBV Winterthur Severin Moser, Chief Underwriting Officer Chris Schnor, Head Market Group International

BANKING & FINANCE

SELECTED FINANCIAL DATA 31/12/01 CHF'000 Net revenues Income before taxes Net (loss) profit Shareholders' equity Total assets Earnings (loss) per share Dividends per share 60,035,000 (868,000) (659,000) 44,061,000 1,135,109,000 (CHF0.58) CHF2.00 31/12/02 CHF'000 47,245,000 (4,234,000) (4,448,000) 34,178,000 1,027,158,000 (CHF3.85) CHF0.10 31/12/03 CHF'000 51,353,000 1,811,000 770,000 33,991,000 1,004,308,000 CHF0.64 CHF0.50 31/12/04 CHF'000 54,014,000 8,302,000 5,628,000 36,273,000 1,089,485,000 CHF4.80 CHF1.50

LOCATIONS · Credit Suisse Group Paradeplatz 8 P.O. Box 1 8070 Zurich Switzerland Tel: +41 1 212 16 16 Fax: +41 1 333 25 87 · Credit Suisse Paradeplatz 8 P.O. Box 2 8070 Zurich Switzerland Tel: +41 1 334 40 20 Fax: +41 1 334 90 10 · Credit Suisse Private Banking Paradeplatz 8 P.O. Box 500 8070 Zurich Switzerland Tel: +41 1 333 44 44 Fax: +41 1 334 90 10

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Fortune Global 500 Databank

· Credit Suisse Corporate & Retail Banking Paradeplatz 8 P.O. Box 100 8070 Zurich Switzerland Tel: +41 1 333 11 11 Fax: +41 1 332 55 55 · Winterthur Group General Guisan-Strasse 40 P.O. Box 357 8400 Winterthur Switzerland Tel: +41 52 261 11 11 Fax: +41 52 213 66 20 · Credit Suisse First Boston Uetlibergstrasse 231 P.O. Box 900 8070 Zurich Switzerland Tel: +41 1 333 55 55 Fax: +41 1 333 55 99 · Credit Suisse First Boston Eleven Madison Avenue New York, NY 10010-3629 USA Tel: +1 212 325 2000 Fax: +1 212 325 6665 · Credit Suisse First Boston One Cabot Square London E14 4QJ United Kingdom Tel: +44 20 7888 8888 Fax: +44 20 7888 1600 · Credit Suisse Asset Management Giesshübelstrasse 30 P.O. Box 800 8070 Zurich Switzerland Tel: +41 1 335 11 11 Fax: +41 1 333 22 25 · Credit Suisse Asset Management 466 Lexington Ave. New York, NY 10017 USA Tel: +1 212 875 3500 Fax: +1 646 658 0728 · Credit Suisse Asset Management Beaufort House 15 St. Botolph Street London EC3A 7JJ United Kingdom Tel: +44 20 7426 2626 Fax: +44 20 7426 2828

BANKING & FINANCE

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Fortune Global 500 Databank

BANKING & FINANCE

Danske Bank Aktieselskab

Danske Bank Aktieselskab 2-12 Holmens Kanal DK-1092 Copenhagen K Denmark Tel: +45 33 44 00 00 Fax: +45 70 12 10 80 [email protected] www.danskebank.com Ticker Symbol: OTC: DNSKF Number of Employees: 15,382 ACTIVITIES The Danske Bank Group, which includes Danske Bank, BG Bank, Realkredit Danmark, Danica Pension and a number of subsidiaries, offers a wide range of financial services including insurance, mortgage finance, asset management, brokerage, real estate and leasing services. QUICK FACTS 2004 vs. 2003 net interest and fee income by segment:· Banking Activities DKr18,213 mn - DKr17,982 mn · Mortgage Finance DKr3,192 mn - DKr3,412 mn · Danske Capital DKr710 mn - DKr721 mn 2004 vs. 2003 total assets by geographic region:· · · · · · · · · Denmark DKr1,831,266 mn - DKr1,601,443 mn Finland DKr10,540 mn - DKr11,495 mn Germany DKr26,152 mn - DKr7,769 mn Luxembourg DKr33,020 mn - DKr29,874 mn Norway DKr83,804 mn - DKr72,603 mn Poland DKr2,794 mn - DKr1,977 mn Sweden DKr245,206 mn - DKr197,633 mn UK DKr174,773 mn - DKr145,739 mn USA DKr108,878 mn - DKr109,096 mn REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6029

2003 geographic distribution of personnel:· · · · · · · · · Denmark 15,072 Finland 65 Germany 38 Luxembourg 106 Norway 1,040 Poland 47 Sweden 1,185 UK 193 USA 71

Return on equity after tax by year:· · · · · 2000 2001 2002 2003 2004 11.6% 16.1% 14.0% 15.4% 17.4%

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Fortune Global 500 Databank

COMPETITORS

BANKING & FINANCE

· ING Group · Citigroup Inc · Deutsche Bank AG

BOARD OF DIRECTORS Alf Duch-Pedersen, Director Jørgen Nue Møller, Director Eivind Kolding, Director Poul Christiansen, Director Henning Christophersen, Director Hans Hansen, Director Niels Eilschou Holm, Director Peter Højland, Director Niels Chr Nielsen, Director Sten Scheibye, Director Majken Schultz, Director Claus Vastrup, Director Birgit Aagaard-Svendsen, Director Tove Abildgaard, Director Helle Brøndum, Director EXECUTIVES Mats Torstendahl, Head of Banking Sweden Peter Straarup, Chairman of the Executive Board Jakob Brogaard, Deputy Chairman of the Executive Board

SELECTED FINANCIAL DATA 31/12/01 DKr'000 Total core income Profit before tax Profit after tax Shareholders' equity Total assets Earnings per share Dividends per share ANALYST COVERAGE Amit Mehta Morgan Stanley +44 207 425 5845 [email protected] Andreas Håkonsson UBS Warburg +44 20 7568 8424 [email protected] Christian Brunlid Swedbank Markets +46 8 5859 2566 [email protected]@swedbank.com Denise Vergot-Holle Merrill Lynch +44 20 7995 1746 [email protected] Christoffer Malmer Goldman Sachs +44 20 7552 1345 [email protected] Eskill Ahlgren Nordea +47 2 248 7948 [email protected] Garth Leder Fox-Pitt, Kelton +44 20 7696 6231 28,307,000 11,390,000 8,713,000 57,000,000 1,539,000,000 DKr11.9 DKr4.75 31/12/02 DKr'000 27,065,000 11,164,000 8,242,000 60,000,000 1,752,000,000 DKr11.5 DKr4.75 31/12/03 DKr'000 26,949,000 13,036,000 9,286,000 60,000,000 1,826,000,000 DKr13.3 DKr6.55 31/12/04 DKr'000 27,257,000 14,565,000 10,558,000 60,000,000 2,078,000,000 DKr16.1 DKr7.85

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[email protected] Jagoba Garcia BNP Paribas +44 20 7595 2882 [email protected] Jesper Brydensholt Enskilda Securities +45 36 97 75 29 [email protected] Kian Abouhossein JP Morgan +44 20 7325 1523 [email protected] Kim Bergoe WestLB Panmure +44 20 7020 4281 [email protected] Martin Gottlob Carnegie +45 32 88 03 35 [email protected] Mats Andersson Cheuvreux +46 8723 5171 [email protected] Michael Sandfort Danske Equities +45 33 44 04 42 [email protected] Rickard Alte Julius Baer +46 8 505 66 853 [email protected] Ronit Ghose Citigroup +44 20 7986 4028 [email protected] Sigmund Haland ABG Sundal Collier +44 20 7905 5617 [email protected] Per Grønborg Alfred Berg +45 33 96 19 29 [email protected] Mikael Hallåker Handelsbanken Capital Markets +46 8 701 29 95 [email protected] Jonas Erikson Credit Suisse First Boston +44 20 7883 5129 [email protected]

BANKING & FINANCE

LOCATIONS · FINLAND Danske Bank, Helsinki Branch Aleksanterinkatu 44 P.O. Box 993 FIN-00101 Helsinki Tel: +358 20 175 4000 Fax: +358 20 175 4050

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Fortune Global 500 Databank

· FRANCE Danske Bank International S.A. Cannes Representative Office Résidence Riviera Palace Rue d'Antibes 130 F-06400 Cannes Tel: +33 (0) 493994545 Fax: +33 (0) 493994546 · GERMANY Danske Bank, Hamburg Georgsplatz 1 Postfach 10 15 22 D-20010 Hamburg Tel: +49 40 32 81 160 Fax: +49 40 32 81 1638 · LUXEMBOURG Danske Bank International S.A. 2, rue du Fossé P.O. Box 173 L-2011 Luxembourg Tel: +352 4612751 Fax: +352 473078 · NORWAY Fokus Bank Vestre Rosten 77 N-7466 Trondheim Tel: +47 72 90 72 00 Fax: +47 72 90 72 61 · POLAND Danske Bank Polska S.A. ul. Emilii Plater 28 PL-00-688 Warsaw Tel: +48 22 33 77 100 Fax: +48 22 33 77 101 · SPAIN Danske Bank International S.A. Fuengirola Representative Office Centro Idea Ctra. de Mijas km 3.6 E-29650 Mijas (Málaga) Tel: +34 952 46 33 36 Fax: +34 952 47 99 83 · SWEDEN Östgöta Enskilda Bank Danske Bank in Sweden Storgatan 23 P.O. Box 328 S-581 03 Linköping Tel: +46 13 35 40 00 Fax: +46 13 35 44 10 · UNITED KINGDOM Danske Bank, London Branch 75 King William Street London EC4N 7DT United Kingdom Tel: +44 207 410 8000 Fax: +44 207 410 8001 · USA Danske Bank, New York Branch 299 Park Avenue, 4th Floor New York, NY 10071-1499 USA Tel: +1 212 984 8400 Fax: +1 212 370 9239

BANKING & FINANCE

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BANKING & FINANCE

Deutsche Bank AG

Deutsche Bank AG Taunusanlage 12 D-60325 Frankfurt am Main Germany Tel: +49 69 910 00 Fax: +49 69 910 38591 [email protected] www.deutsche-bank.de Ticker Symbol: New York: DB Date of Establishment: 1870 Number of Employees: 65,415 ACTIVITIES Deutsche Bank AG provides banking and financial services. The Bank operates through three Group divisions further sub-divided by business divisions as follows:· Corporate and Investment Bank (CIB) which serves corporate and institutional clients, ranging from medium-sized enterprises to multinational corporations, banks and sovereign organizations. · Private Clients and Asset Management (PCAM) which combines the Bank's asset management, private wealth management and private and business client activities. Sub-divided into two business divisions: Asset and Wealth Management (AWM) and Private & Business Clients (PBC) · Corporate Investments (CI) which combines the management of the Group's industrial holdings, private equity investments, and other corporate principal investment activities. QUICK FACTS 2004 net revenues by division:· The Corporate and Investment Bank (CIB) 13,331 mn · Private Clients and Asset Management (PCAM) 8,030 mn · Corporate Investments (CI) 621 mn 2004 net revenues by geography:· · · · · Germany 6,712 mn Rest of Europe 6,695 mn North America 5,591 mn South America 73 mn Asia Pacific 2,289 mn REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6029 6099

Return on average total shareholders' equity by year:· 2002 1.08% · 2003 4.72% · 2004 9.09% COMPETITORS

· Citigroup Inc · Dresdner Bank AG · Credit Suisse Group

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Fortune Global 500 Databank

BOARD OF DIRECTORS Dr Rolf-E Breuer, Chairman Heidrun Förster, Deputy Chairperson Dr rer oec Karl-Hermann Baumann, Member Dr Karl-Gerhard Eick, Member Klaus Funk, Member Ulrich Hartmann, Member Sabine Horn, Member Rolf Hunck, Member Sir Peter Job, Member Prof Dr Henning Kagermannm, Member Ulrich Kaufmann, Member Prof Dr Paul Kirchhof, Member Henriette Mark, Member Margret Mönig-Raane, Member Gabriele Platscher, Member Karin Ruck, Member Tilman Todenhöfer, Member Dipl -Ing Dr -Ing E h Jürgen Weber, Member Dipl -lng Albrecht Woeste, Member Leo Wunderlich, Member

BANKING & FINANCE

EXECUTIVES Josef Ackermann, Chairman of the Group Executive Committee and responsible for Corporate Development, Corporate Communications, Economics and Treasury Clemens Börsig, Chief Financial and Risk Officer, responsible for Controlling, Tax and Investor Relations, Risk Management and Corporate Security Michael Cohrs, Head of Global Banking Jürgen Fitschen, Head of Regional Managment Worldwide Tessen von Heydebreck, Chief Administrative Officer, responsible for Corporate Cultural Affairs, Human Resources, Legal, Compliance and Audit Anshu Jain, Head of Global Markets Hermann-Josef Lamberti, Chief Operating Officer, responsible for Cost and Infrastructure Management, Information Technology, Operations, Building and Facilities Management and Purchasing Rainer Neske, Head of Private & Business Clients Kevin Parker, Head of Asset Management Pierre de Weck, Head of Private Wealth Management

SELECTED FINANCIAL DATA 31/12/01 '000 Total net revenues Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share 28,517,000 1,803,000 167,000 918,222,000 40,193,000 0.27 1.30 31/12/02 '000 24,456,000 3,549,000 397,000 758,355,000 29,991,000 0.63 1.30 31/12/03 '000 20,155,000 2,756,000 1,365,000 803,614,000 28,202,000 2.31 1.30 31/12/04 '000 21,546,000 4,029,000 2,472,000 840,068,000 25,904,000 4.53 1.50

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Fortune Global 500 Databank

BANKING & FINANCE

Dexia SA

Dexia SA Square de Meeûs 1 B-1000 Bruxelles Belgium Tel: +32 3 213 57 00 Fax: +32 2 213 57 01 [email protected] www.dexia.com Ticker Symbol: Euronext: DX Date of Establishment: 1860 (Crédit Communal de Belgique) 1987 (Crédit Local de France) 1996 Merger to become Dexia SA Number of Employees: 24,019 ACTIVITIES Dexia SA is a financial holding company with interests in banking, financing, asset management, private banking and financial insurance REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6712

QUICK FACTS Dexia SA operates in 25 countries with the largest workforces in:· · · · Belgium 15,303 Luxembourg 2,986 France 2,338 Netherlands 573

The gender breakdown of the workforce is 46% women and 54% men The Dexia Group was formed in 1996 with the merger of Crédit Local de France and Crédit Communal de Belgium 2003 breakdown of net income by business line as follows:· · · · Treasury and Financial Markets 17% Public/Project Finance and Credit enhancement 51% Investment Management Services 13% Retail Financial Services 19%

Return on equity by years as follows:· · · · · · 1999 2000 2001 2002 2003 2004 15.7% 17.7% 18.7% 16.2% 16.5% 19.8%

COMPETITORS

· Fortis · AXA · ING Group

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Fortune Global 500 Databank

BOARD OF DIRECTORS François Narmon, Chairman Pierre Richard, Group CEO Eric André, Director Gilles Benoist, Director Philippe Bourguignon, Director Rik Branson, Director Thierry Breton, Director Guy Burton, Director Karel De Gucht, Director Didier Donfut, Director Paul-Louis Halley, Director Denis Kessler, Director André Levy-Lang, Director Roberto Mazzotta, Director Theo Rombouts, Director EXECUTIVES François Narmon, Chairman Pierre Richard, Group CEO Jacques Guerber, Head of Public/Project Finance and Credit Enhancement Axel Miller, Head of Retail Financial Services Marc Hoffmann, Head of Investment Management Services Dirk Bruneel, Head of Capital Markets and Treasury Activities Rembert von Lowis, Financial Director Claude Piret, Chief Operations and Technology Officer Peter De Baere, Investor Relations Officer Anne Garsoux, Investor Relations Officer SELECTED FINANCIAL DATA 31/12/01 '000 Net banking income Gross operating income Net income Shareholders' equity Total assets Earnings per share Dividends per share ANALYST COVERAGE ABN-Amro BNP Paribas CAI CHEUVREUX CAZENOVE CDC-Ixis CitiGroup Smith Barney COMMERZBANK Crédit Lyonnais Securities Crédit Suisse First Boston Deutsche Bank Dresdner Kleinwort Benson European Securities Network ETC Pollak-Prebon EXANE Fideuram-Wargny Fortis Securities Fox-Pitt Kelton Goldman Sachs ING Financial Markets JP Morgan Kelton International Kepler Equities Lehman Brothers Merrill Lynch Morgan Stanley Dean Witter Natexis Bleichroeder Oddo Securities Petercam Puilaetco Rabo-Securities 5,631,000 2,308,000 1,426,000 8,337,000 351,380,000 1.15 0.48 31/12/02 '000 5,157,000 2,120,000 1,299,000 9,090,000 350,924,000 1.13 0.48 31/12/03 '000 5,160,000 2,104,000 1,431,000 9,790,000 349,888,000 1.24 0.53

BANKING & FINANCE

31/12/04 '000 5,392,000 2,380,000 1,772,000 10,464,000 389,155,000 1.58 0.62

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Fortune Global 500 Databank

Raymond James Euro-equities Société Générale UBS Warburg West LB Panmure LOCATIONS AMCC 1180 NW Maple Street Suite 202 Issaquah,WA 98027 USA Tel: (1) 425 313 46 00 Fax: (1) 425 313 10 05 www.artesiamortgage.com Artesia Leasing & Renting & Artesia Lease Avenue Livingstone 6 B-1000 Brussels Tel: (32) 2 285 29 29 Fax: (32) 2 285 39 99 Astris Finance 1730 K Street, NW Suite 900 Washington, DC 20006 USA Tel: (1) 202 223 94 27 Ausbil Dexia Veritas House ­ Level 23 207 Kent Street Sydney NSW 2000 Australia Tel: (61) 2 925 90 200 Fax: (61) 2 925 90 222 www.ausbil.com.au Bancoval Fernando el Santo 20 E-28010 Madrid Tel: (34) 91 360 99 00 Fax: (34) 91 360 99 01 www.bancoval.es Banque Artesia Nederland Herengracht 539-543 NL-1017 BW Amsterdam P.O. Box 274 NL-1000 AG Amsterdam Tel: (31) 20 520 49 11 Fax: (31) 20 624 75 02 www.artesia.nl Belstar Riverside Business Park Boulevard International 55 boîte 37 B-1070 Brussels Tel: (32) 2 556 01 70 Fax: (32) 2 524 01 88 www.belstar.be Cevi Bisdomplein 3 B-9000 Ghent Tel: (32) 9 264 07 01 Fax: (32) 9 233 05 24 www.cevi.be Ciger Rue de Néverlée 12 B-5020 Namur Tel: (32) 81 55 45 11 Fax: (32) 81 55 45 06 www.ciger.be

BANKING & FINANCE

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Fortune Global 500 Databank

Corona Avenue de la Métrologie 2 B-1130 Brussels Tel: (32) 2 244 22 11 Fax: (32) 2 216 15 15 www.corona.be Créatis 34, rue Nicolas Leblanc BP 5911 F-59011 Lille Tel: (33) 3 20 40 59 59 Fax: (33) 3 20 30 16 15 Dexia Asset Management · Headquarters Boulevard Pachéco, 44 B-1000 Brussels www.dexia-am.com Dexia Asset Management Washington Plaza 40, rue Washington F-75408 Paris Cedex 08 Telephone (33) 1 53 93 40 00 Fax: (33) 1 45 63 31 04 www.dexia-am.com Dexia Asset Management Fukoku Seimei Building 12F 2-2-2, Uchisaiwa-cho, Chiyoda-ku Tokyo 100-0011 Japan Tel: (81) 3 5251 3560 Fax: (81) 3 5251 3561 www.dexia-am.com Dexia Asset Management 283, route d'Arlon L-1150 Luxembourg Tel: (352) 25 43 43 1 Fax: (352) 25 43 43 4940 www.dexia-am.com Dexia Asset Management Luxembourg, succursale de Genève 2, rue de Jargonnant CH-1207 Geneva Tel: (41) 22 707 90 00 Fax: (41) 22 707 90 90 www.dexia-am.com Dexia Assureco 7-11, quai André Citroën F-75015 Paris Tel: (33) 1 43 92 77 49 Fax: (33) 1 43 92 78 99 Dexia Auto Lease Avenue Livingstone 6 B-1000 Brussels Tel: (32) 2 285 35 88 Fax: (32) 2 282 66 01 www.dexia-auto-lease.be Dexia Bank Nederland Beethovenstraat 300 PO Box 75666 NL-1070 AR Amsterdam Tel: (31) 20 348 50 00 Fax: (31) 20 348 55 55 www.dexiabank.nl

BANKING & FINANCE

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Fortune Global 500 Databank

Dexia Bank Belgium Dublin Branch George's Dock 6 IRL-IFSC Dublin 1 Dexia Bank Belgium New York Branch 445 Park Avenue New York, NY 10022 USA Tel: (1) 212 705 07 00 Fax: (1) 212 705 07 01 Dexia Bank Belgium Boulevard Pachéco, 44 B-1000 Brussels Tel: (32) 2 222 11 11 Fax: (32) 2 222 40 32 www.dexia.be www.axionweb.be Dexia Banque Internationale à Luxembourg 69, route d'Esch L-2953 Luxembourg Tel: (352) 45 90 1 Fax: (352) 45 90 20 10 www.dexia-bil.lu Dexia Banque Privée France 37-39, rue d'Anjou F-75383 Paris Tel: (33) 1 40 06 60 00 Fax: (33) 1 42 65 00 98 www.dexiaplus.fr Dexia BIL Asia Singapore 9 Raffles Place #42-01 Republic Plaza Singapore 048619 Tel: (65) 62 22 76 22 Fax: (65) 65 36 02 01 Dexia BIL Dublin Branch George's Quay House 43 Townsend Street IRL-Dublin 2 Tel: (353) 1 613 04 44 Fax.: (353) 1 613 04 45 Dexia BIL, Fuengirola representative office Puebla Lucia, Local 6 Avda. Alcalde Clemente Diaz E-29640 Fuengirola Tel: (34) 95 25 80 244 Fax: (34) 95 25 80 687 Dexia BIL Holding (Hong Kong) 26th Floor, Bank of China Tower 1 Garden Road Central, Hong Kong Tel: (852) 2978 5656 Fax: (852) 2845 0390 Dexia BIL London Branch Shackleton House Hay's Galleria 4 Battle Bridge Lane UK-London SE1 2GZ Tel: (44) 207 556 30 00 Fax: (44) 207 556 30 55

BANKING & FINANCE

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Fortune Global 500 Databank

Dexia BIL Singapore Branch 9 Raffles Place #42-01 Republic Plaza Singapore 048619 Tel: (65) 62 22 76 22 Fax: (65) 65 36 02 01 Dexia CLF Banque 7-11, quai André Citroën BP 546 F-75725 Paris cedex 15 Tel: (33) 1 44 37 45 02 Fax: (33) 1 44 37 45 07 www.dexia-clf.fr Dexia CLF Lease Services 7-11, quai André Citroën F-75015 Paris Tel: (33) 1 41 14 57 78 Fax: (33) 1 46 90 10 89 www.dexia-clflease.fr Dexia Corporate Services Hong Kong 26th floor, Bank of China Tower 1 Garden Road Central Hong Kong Tel: (852) 2978 5656 Fax: (852) 2845 0390 Dexia Crediop Via Venti Settembre, 30 I-00187 Rome Tel: (39) 06 47 711 Fax: (39) 06 47 71 59 52 www.dexia-crediop.it Dexia Crédit Local 7 à 11, quai André Citroën BP 1002 F-75901 Paris cedex 15 Tel: (33) 1 43 92 77 77 Fax: (33) 1 43 92 70 00 www.dexia-clf.fr www.dexia-creditlocal.com Dexia Crédit Local Australia Level 23, Veritas House 207 Kent Street Sydney NSW 2000 Australia Tel: (612) 92 47 56 39 Fax: (612) 92 59 02 22 Dexia Crédit Local Dublin Branch West Block Building IRL-IFSC Dublin 1 Tel: (353) 1 670 27 00 Fax: (353) 1 670 27 05 Dexia Crédit Local New York Agency 445 Park Avenue New York, NY 10022 USA Tel: (1) 212 515 70 00 Fax: (1) 212 753 55 22 www.dexia-americas.com Dexia Crédit Local Portugal Estrella Office Rua Domingos Sequeira 27-5G P-1350-119 Lisboa Tel: (351) 21 395 15 16 Fax: (351) 21 397 77 33

BANKING & FINANCE

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Fortune Global 500 Databank

Dexia Crédit Local Singapore 9 Raffles Place # 42-01 Republic Plaza Singapore 048619 Tel: (65) 62 36 01 25 Fax: (65) 65 36 02 19 Dexia Crédits Logement Headquarters Boulevard Pachéco 44 B-1000 Bruxelles Dexia Éditions 7-11, quai André Citroën F-75015 Paris Tel: (33) 1 43 92 79 13 Fax: (33) 1 43 92 76 72 Dexia Épargne Pension 62, rue de la Chaussée d'Antin F-75009 Paris Tel: (33) 1 43 92 77 02 Fax: (33) 1 45 26 34 20 www.dexia-ep.com Dexia Factors Avenue Livingstone 6 B-1000 Bruxelles Tel: (32) 2 282 66 33 Fax: (32) 2 282 66 99 www.dexia-factors.be Dexia Finance 7-11, quai André Citroën F-75015 Paris Tel: (33) 1 43 92 75 28 Fax: (33) 1 43 92 75 35 Dexia Flobail 7-11, quai André Citroën F-75015 Paris Tel: (33) 1 43 92 73 89 Fax: (33) 1 45 75 34 59 Dexia Fund Services Belgium Rue Royale 180 B-1000 Brussels Tel: (32) 2 222 07 01 Fax: (32) 2 222 52 26 Dexia Fund Services Cayman Coconut Villa #2 Jennifer Drive, Snug Harbour PO Box 10211 APO Grand Cayman BWI Tel: (1345) 945 85 00 Fax: (1345) 945 85 01 Dexia Fund Services Dublin George's Quay House 43 Townsend Street IRL-Dublin 2 Tel: (353) 1 613 04 00 Fax: (353) 1 613 04 01 Dexia Fund Services France 39, rue d'Anjou F-75008 Paris Tel: (33) 1 49 35 68 01 Fax: (33) 1 49 35 70 54

BANKING & FINANCE

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Fortune Global 500 Databank

Dexia Fund Services Italia Procaccini Center Via Messina 38 Torre B, Piano 5 I-20154 Milan Tel: (39) 02 3362 32 01 Fax: (39) 02 3362 32 30 Dexia Fund Services Singapore 9 Raffles Place #42-01 Republic Plaza Singapore 048619 Tel: (65) 64 35 33 36 Fax: (65) 65 36 02 19 Dexia Fund Services Switzerland Badenerstrasse 565 Case Postale 101 CH-8066 Zürich Tel: (41) 1 286 97 01 Fax: (41) 1 286 97 50 Dexia Global and Structured Finance 445 Park Avenue New York, NY 10022 USA Tel: (1) 212 515 71 57 Fax: (1) 212 421 47 94 Dexia Hypothekenbank Berlin Charlottenstrasse 82 D-10969 Berlin Tel: (49) 30 25 59 8-0 Fax: (49) 30 25 59 8-2 00 www.dexia.de Dexia Insurance Avenue des Arts 23 B-1000 Bruxelles Tel: (32) 2 237 15 11 Fax: (32) 2 237 16 99 Dexia Investments Ireland 6 George's Dock IRL-IFSC Dublin 1 Tel: (353) 1 645 5000 Fax: (353) 1 829 1577 www.dexia-investments.ie Dexia Lease Belgium · Headquarters Boulevard Pachéco 44 B-1000 Brussels www.dexialease.be Dexia Lease France 7-11, quai André Citroën F-75015 Paris Tel: (33) 1 43 92 75 13 Fax: (33) 1 47 75 34 59 Dexia Life & Pensions 2, rue Nicolas Bové L-1253 Luxembourg Tel: (352) 262 54 41 Fax: (352) 262 54 45 480 www.dexia-life.com Dexia Municipal Agency 7-11, quai André Citroën F-75015 Paris Tel: (33) 1 43 92 77 77 Fax: (33) 1 43 92 70 00 www.dexia-ma.com

BANKING & FINANCE

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Fortune Global 500 Databank

Dexia Partenaires France 2, rue de Messine F-75008 Paris Tel: (33) 1 40 76 03 74 Fax: (33) 1 40 76 03 71 Dexia P-H Private Bank Denmark Grønningen, 17 DK-1270 Copenhagen Tel: (45) 33 46 11 00 Fax: (45) 33 32 42 01 www.phbank.dk Dexia Prévoyance Site BRGM BP 6009 F-45060 Orléans cedex 2 Tel: (33) 2 38 64 39 80 Fax: (33) 2 38 64 33 68 [email protected] Dexia Private Bank Jersey P.O. Box 12 2-6 Church Street UK-St Helier, Jersey JE4 9NE Tel: (44) 1534 83 44 00 Fax: (44) 1534 83 44 11 Dexia P. Bank Switzerland Dexia Private Bank Switzerland Beethovenstrasse, 48 CH-8039 Zürich Tel: (41) 1 286 92 92 Fax: (41) 1 201 14 71 www.dexia.ch Dexia Public Finance Bank London Branch 55 Tufton Street ­ Westminster UK-London SW1P 3QF Tel: (44) 207 799 3322 Fax: (44) 207 799 2117 Dexia Public Finance Norden Box 7573 Engelbrektsplan, 2 S-103 93 Stockholm Tel: (46) 8 407 57 00 Fax: (46) 8 407 57 01 Dexia Sabadell Banco Local Paseo de las Doce Estrellas, 4 Campo de las Naciones E-28042 Madrid Tel: (34) 91 721 33 10 Fax: (34) 91 721 33 20 Dexia Santé 40, rue Sadi Carnot F-78120 Rambouillet Tel: (33) 1 61 08 66 00 Fax: (33) 1 61 08 66 11 www.dexia-sante.fr Dexia Securities France 112, avenue Kléber F-75116 Paris Tel: (33) 1 56 28 52 00 Fax: (33) 1 56 28 52 90 www.dexia-securities.fr

BANKING & FINANCE

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Fortune Global 500 Databank

Dexia Securities Services Beethovenstraat 300 P.O. Box 75666 NL-1070 AR Amsterdam Tel: (31) 20 348 5000 Fax: (31) 20 348 7576 Dexia Securities USA 747 Third Avenue, 22nd floor New York, NY 10017 USA Tel: (1) 212 3760 130 Fax: (1) 212 3760 139 Dexia Société de Crédit Rue des Clarisses 38 B-4000 Liège Tel: (32) 4 232 45 45 Fax: (32) 4 232 45 01 www.dexia-sdc.be Dexia Sofaxis Route de Creton F-18100 Vasselay Tel: (33) 2 48 48 10 10 Fax: (33) 2 48 48 10 11 www.sofaxis.com www.sofcah.com www.sofcap.com Dexia Trust Services Hong Kong 26th floor, Bank of China Tower 1 Garden Road Central Hong Kong Tel: (852) 2978 5656 Fax: (852) 2845 0390 Dexia Trust Services Jersey P.O. Box 300 2-6 Church Street St Helier, Jersey JE4 8YL Tel: (44) 1534 83 44 44 Fax: (44) 1534 83 44 55 Dexia Trust Services Singapore 9 Raffles Place #42-01 Republic Plaza Singapore 048619 Tel: (65) 64 35 33 36 Fax: (65) 65 36 02 19 DVV Insurance Avenue Livingstone 6 B-1000 Brussels Tel: (32) 2 286 61 11 Fax: (32) 2 286 15 15 www.dvvlap.be Ely Fund Managers (Holdings) Audrey House Ely Place UK-London EC1N 6SN Tel: (44) 20 7404 5333 Fax: (44) 20 7404 5747 www.ely.uk.com Eural W.T.C. Tour 1 Boulevard du Roi Albert II 30 boîte 37 B-1000 Brussels Tel: (32) 2 204 39 99 Fax: (32) 2 204 38 00 www.eural.be

BANKING & FINANCE

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Fortune Global 500 Databank

Experta Corporate and Trust Services 180, rue des Aubépines L-1145 Luxembourg Tel: (352) 26 92 55-2263 Fax: (352) 26 92 55-3366 Experta (Suisse) Steinengraben, 22 CH-4002 Basel Tel: (41) 61 285 17 17 Fax: (41) 61 285 17 77 Fidexis Rue de la Charité 15 B-1210 Brussels Tel: (32) 2 209 02 30 Fax: (32) 2 209 02 37 Financial Security Assurance 350 Park Avenue New York, NY 10022 USA Tel: (1) 212 826 01 00 Fax: (1) 212 688 31 01 www.fsa.com First European Transfer Agent 5, rue Thomas Edison L-1445 Strassen Tel: (352) 25 47 01 ­ 1 Fax: (352) 25 47 01 ­ 9500 Floral 7-11, quai André Citroën F-75015 Paris Tel: (33) 1 45 77 33 93 Fax: (33) 1 43 92 70 57 Fortior Holding Popular Banca Privada Popular Gestion Privada Edificio Torre Europa Paseo de la Castellana, 95 4a planta E-28046 Madrid Tel: (34) 914 18 93 26 Fax: (34) 914 18 93 28 www.iberagentes.es Kempen Capital Management · Beethovenstraat 300 PO Box 75666 NL-1070 AR Amsterdam Tel: (31) 20 348 8800 Fax: (31) 20 348 8850 www.kempen.nl Kempen Capital Management België Frankrijklei 103 B-2000 Antwerpen Tel: (32) 3 224 82 00 Fax: (32) 3 224 82 39 Kempen Capital Management Suisse 22, rue de Villereuse CH-1207 Geneva Tel: (41) 22 592 91 41 Fax: (41) 22 592 91 42 Kempen Capital Management (UK) 41 Melville Street UK-Edinburgh EH3 7JF Tel: (44) 131 2266 985 Fax: (44) 131 2266 984

BANKING & FINANCE

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Fortune Global 500 Databank

Kommunalkredit Austria Türkenstrasse 9 A-1092 Vienna Tel: (43) 1 316 31 0 Fax: (43) 1 316 31 503 www.kommunalkredit.at Linde Partners Asset Management 134, route d'Arlon L-8008 Strassen Tel: (352) 31 51 55 Fax: (352) 31 51 55 31 www.lindepartners.com Otzar Hashilton Hamekomi 3, Heftman Street 64737 Tel-Aviv Israel Tel: (972) 3 695 7211 5 Fax: (972) 3 691 9503 Parfibank Boulevard du Régent 40 B-1000 Brussels Tel: (32) 2 513 90 20 Fax: (32) 2 512 73 20 www.parfibank.be Prvá Komunálna Banka Hodzova 11 01011, Zilina Slovak Republic Tel: (421) 89 51 11 506 Fax: (421) 89 51 11 530 www.pkb.sk Sepia Avenue Livingstone 6 B-1000 Brussels Tel: (32) 2 286 63 27 Fax: (32) 2 284 74 76 Société Luxembourgeoise de Leasing BIL-Lease 14-16, avenue Pasteur L-2310 Luxembourg Tel: (352) 22 77 33 1 Fax: (352) 22 77 44 Société Monégasque de Banque Privée 9, boulevard d'Italie MC-98000 Monaco Tel: (377) 93 15 23 23 Fax: (377) 93 15 23 32 Sogama Crédit associatif 75, rue Saint-Lazare F-75009 Paris Tel: (33) 1 42 80 42 24 Fax: (33) 1 42 81 42 98 Van Lieshout & Partners Maliebaan 45 PO Box 13224 NL-3507 LE Utrecht Tel: (31) 30 23 45 432 Fax: (31) 30 23 45 400 www.vanlieshout-en-partners.nl

BANKING & FINANCE

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Fortune Global 500 Databank

WGH Informatique Avenue de l'Expansion 7 B-4432 Ans Tel: (32) 4 246 10 46 Fax: (32) 4 246 03 03 www.wgh.be

BANKING & FINANCE

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Fortune Global 500 Databank

BANKING & FINANCE

DZ BANK AG

DZ BANK AG Platz der Republik D-60265 Frankfurt am Main Germany Tel: +49 69 74 47 01 Fax: +49 69 74 47 16 85 [email protected] www.dzbank.de Ticker Symbol: Non-quoted Public Company Date of Establishment: 2001 Number of Employees: 23,307 ACTIVITIES DZ BANK AG provides banking, financial and insurance services. The Bank operates through the following segments:· · · · Bank Retail Banking Property Finance Insurance REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029 6099 6159 6162

QUICK FACTS DZ BANK AG was created in 2001 from the merger of GZ-Bank and DG BANK DZ BANK is majority-owned by the 1,100 affiliated local cooperative banks 2004 vs. 2003 employees by segment:· · · · Bank 6,558 vs. 7,019 Retail Banking 3,654 vs. 4,227 Property Finance 3,778 vs. 3,791 Insurance 9,317 vs. 10,276

2004 vs. 2003 net interest earned by segment:· · · · Bank 808 mn vs. 751 mn Retail Banking 399 mn vs. 275 mn Property Finance 1,162 mn vs. 1,129 mn Insurance -

2004 vs. 2003 breakdown of income by geographic market:· Germany 82.40% vs. 83.76% · International 17.60% vs. 16.24% COMPETITORS

· Deutsche Bank AG · Commerzbank AG · Bayerische Hypo- und Vereinsbank Aktiengesellschaft

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Fortune Global 500 Databank

BOARD OF DIRECTORS · SUPERVISORY BOARD Dr Christopher Pleister, Chaiman Helga Preußer, First Deputy Chairwoman Rolf Hildner, Second Deputy Chairman Wolfgang Apitzsch, Member Rüdiger Beins, Member Werner Bohnke, Member Gerhard Bramlage, Member Carl-Christian Ehlers, Member Gerhard Engler, Member Helmut Gottschalk, Member Michael Groll, Member Siegfried Hägele, Member Wlater Kaufmann, Member Sigmar Kleinert, Member Klaus Lambert, Member Dr Rainer Märklin, Member Adolf Rückl, Member Gudrun Schmidt, Member Bernhard Sorge, Member Winfried Willer, Member Uwe Zimpelmann, Member EXECUTIVES · BOARD OF MANAGING DIRECTORS Dr Ulrich Brixner, Chairman Dr Thomas Duhnkrack, Managing Director Heinz Hilgert, Managing Director Wolfgang Kirsch, Managing Director Albrecht Merz, Managing Director Dietrich Voigtländer, Managing Director

BANKING & FINANCE

SELECTED FINANCIAL DATA 31/12/01 '000 Income (loss) before taxes Net (loss) income Total assets Shareholders' equity 115,000 114,000 364,645,000 5,783,000 31/12/02 '000 (692,000) 351,000 338,255,000 5,992,000 31/12/03 '000 817,000 382,000 331,723,000 6,110,000 31/12/04 '000 1,174,000 468,000 356,234,000 6,709,000

LOCATIONS · DZ BANK IN THE AMERICAS · UNITED STATES DZ BANK New York Branch 609 Fifth Avenue New York, NY 10017-1021 USA Tel: +1 212 745-1400 Fax:+1 212 745-1550 DZ Financial Markets LLC 609 5th Avenue New York, NY 10017-1021 USA Tel: +1 212 745-1600 Fax: +1 212 745-1616

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Fortune Global 500 Databank

· MEXICO DZ BANK Representación en México Bosques de Alisos 47-B Piso 2 Bosques de las Lomas 05120 Mexico DF Mexico Tel: +52 55 52610020 Fax: +52 55 52610021 · BRAZIL DZ BANK São Paulo Representação Ltda Rua Sansão Alves dos Santos,433 3º andar/Conj. 32, Ed.Hormino Maia 04571-090 São Paulo Brazil Tel: +55 11 5505 1077 Fax:+55 11 5505 0274 · DZ BANK IN ASIA DZ BANK Hong Kong Branch Tower II, 9th Floor Admiralty Centre 18 Harcourt Road Hong Kong Central Hong Kong Tel: +852 - 28 643-100 Fax: +852 - 28 643-160 · SINGAPORE DZ BANK Singapore Branch 50 Raffles Place #40-01 Singapore Land Tower Singapore 048623 Tel.: +65 6 438 0060 Fax: +65 6 223 0082 · CHINA DZ BANK Beijing Representative Office Room 22-1B CITIC Building 19, Jianguomenwai Street Beijing 100004 China Tel.: +86 -10 8526 1162 Fax: +86 -10 8526 1163 DZ BANK Shanghai Representative Office Unit 3401, China Merchants Tower 161 Lu Jia-zui Road, East Pudong Shanghai 200120 China Tel.: +86 21 5887 5228 Fax: :+86 21 5887 7691 · INDIA DZ BANK India Representative Office 124, Maker Chambers VI 220, Nariman Point Mumbai 400 021 India Tel.: +91 22 22 81 13 17 Tel.: +91 22 22 88 01 34 Fax: +91 22 22 81 13 77

BANKING & FINANCE

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Fortune Global 500 Databank

· JAPAN DZ BANK Tokyo Representative Office OAG Building 408 7-5-56 Akasaka, Minato-ku Tokyo 107-0052 Japan Tel.: +81-3-3568-2914 Fax: +81-3-3568-2871 · DZ BANK IN EUROPE · UNITED KINGDOM DZ BANK London Branch 10 Aldersgate Street London EC1A 4XX UK Tel.: +44 207 776 6000 Fax: +44 207 776 6100 · LUXEMBOURG DZ BANK Luxembourg Branch 4, rue Thomas Edison Postfach 661 L-2016 Luxembourg Tel: +352 44 903 -1 Fax: +352 44 903 - 2001 DZ BANK International S.A. Boite Postale 661 4, rue Thomas Edison L-2016 Luxembourg Tel.: +35 2 44903 -1 Fax: +35 2 44903-2001 · RUSSIA DZ BANK Moscow Representative Office Novaya Ploshad 10 103012 Moscow Russia Tel. +7 95 721 3160 Fax: +7 95 721 3161 · HUNGARY Magyar Takarékszövetkezeti Bank Rt. (Takarékbank) Pethényi köz 10 H - 1122 Budapest Hungary Tel.: +36 -1- 202 3777 Fax: +36 -1-356 2649 · IRELAND DZ BANK Ireland plc Guild House Guild Street I.F.S.C. Dublin 1 Ireland Tel.: +353 1 670 0715 Fax: +353 1 829 0298 · SPAIN Banco Cooperativo Español c/ Virgen de los Peligros, 4-6 E-28013 Madrid Spain Tel.: +34 91 595 67 07 Fax: +34 91 595 68 00

BANKING & FINANCE

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· POLAND DZ BANK Polska Centrala Plac Pilsudskiego 3 PL-00-078 Warsaw Poland Tel.: +48 22 505 70 00 Fax: +48 22 505 74 42 · SWITZERLAND cosba private banking ag Münsterhof 12 Postfach 51 78 CH-8022 Zurich Switzerland Tel: +41 44 214 9111 Fax: +41 44 214 9285 · DZ BANK IN GERMANY DZ BANK AG Deutsche Zentral-Genossenschaftsbank Frankfurt am Main Platz der Republik 60265 Frankfurt am Main Germany Tel.: +49-69-7447-01 Fax: +49-69-7447-1685 Berlin Pariser Platz 3 10117 Berlin P.O.B. 080152 10001 Berlin Germany Tel.: +49-30-20241-0 Fax: +49-30-20241-325 Hamburg Gertrudenstraße 3 20095 Hamburg Germany Tel.: +49-40-35900-0 Fax: +49-40-35900-220 Hannover Berliner Allee 5 30175 Hannover P.O.B. 249 30002 Hannover Germany Tel.: +49-511-9919-0 Fax: +49-511-9919-155 Karlsruhe Ettlinger Straße 12-14 76137 Karlsruhe P.O.B. 6960 76049 Karlsruhe Germany Tel.: +49-721-996-0 Fax: +49-721-966-3362 Munich Türkenstraße 16 80333 München Germany Tel.: +49-89-2134-0 Fax: +49-89-2134-2639/-2623

BANKING & FINANCE

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Nuremberg Königstorgraben 11 90402 Nürnberg P.O.B. 1255 90002 Nürnberg Germany Tel.: +49-911-2016-0 Fax: +49-911-2016-310 Stuttgart Heilbronner Straße 41 70191 Stuttgart P.O.B. 106019 70049 Stuttgart Germany Tel.: +49-711-940-0 Fax: +49-711-940-2940

BANKING & FINANCE

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BANKING & FINANCE

Eurohypo AG

Eurohypo AG Helfmann-Park 5 D-65760 Eschborn Germany Tel: +49 69 25 48 0 www.eurohypo.com Ticker Symbol: Private company Date of Establishment: 2002 Number of Employees: 2,734 ACTIVITIES Eurohypo AG is Europe's leading specialist for real estate and public sector finance and is Germany's 10th largest bank and 5th largest private financial institution. REGION: Europe SECTOR: Banking and Finance SIC Codes: 6162

QUICK FACTS Formed in August 2002 as a result of the merger of Deutsche Hyp, Eurohypo and Rheinhyp, the mortgage subsidiaries of the three major banks, Commerzbank, Deutsche Bank and Dresdner Bank. The Company is owned by Allianz-Group (28.48%), Deutsche Bank Group (37.72%) and Commerzbank Group (31.84%)

COMPETITORS

· Bankgesellschaft Berlin AG · DEPFA BANK plc · Bayerische Hypo- und Vereinsbank Aktiengesellschaft

BOARD OF DIRECTORS Dr Hugo Banziger, Director Wolfgang Barth, Director Herbert Bayer, Director Peter Birkenfeld, Director Dr Manfred Gentz, Chairman Klaus Müller-Gebel, Director Dr Andreas Georgi, Director Rupert Hackl, Director Dr Hans-Peter Keitel, Director Cornelia Pielenz, Director Hans Reischl, Director Brigitte Siebert, Director EXECUTIVES Bernd Knobloch, Chairman of the Management Board (responsible for Corporate and Investment Banking International, Syndication, Legal, Strategy and Group Coordination, Corporate Communication) Dirk Wilhelm Schuh, Deputy Chairman of the Management Board (responsible for Risk Management, Human Ressources, Audit) Jochen Klösges, Responsible for Retail Banking, Organization, Operations Global Markets Joachim Plesser, Responsible for Corporate Banking Germany, Finance/Controlling/Tax Henning Rasche, Responsible for Public Finance/Global Markets, Interest and Currency Management, IT/Eurohypo Systems

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SELECTED FINANCIAL DATA 31/12/02 '000 Interest income Profit before tax Profit after tax Total assets 10,448,571 293,540 228,467 31/12/03 '000 11,913,000 318,000 242,000 234,582,000 31/12/04 '000 11,062,000 611,000 431,000 226,928,000

LOCATIONS · Amsterdam Branch World Trade Centre Strawinskylaan 381 NL-1077 XX Amsterdam Tel: +31 20 7 99 36 00 Fax: +31 20 7 99 36 79 · Greece Branch Vassilisis Sofias Avenue 23 GR-10674 Athens Tel: +30 210 7 25 00 07 Fax: +30 210 7 25 03 97 · Barcelona Branch Rambla Cataluna 17 pral 2 a E-08007 Barcelona Tel: +34 93 3 42 70 71 Fax: +34 93 3 42 72 27 · Representative Office Brussels Rue de la Science 41 B-1040 Brussels Tel: +32 2 2 90 87 60 Fax: +32 2 2 90 87 69 · Representative Office Budapest ECE City Center Bajcsy-Zsilinszky út 12 H-1051 Budapest Tel: +36 1 4 84 70 20 Fax: +36 1 4 84 70 27 · Representative Office Finland Eteläesplanadi 12 FIN-0010 Helsinki Tel: +358 961 20 38 00 Fax: +358 961 20 38 10 · Representative Office Copenhagen Amaliegade 6, 2 TV DK-1256 Copenhagen K Tel: +45 33 30 07 51 Fax: +45 33 32 07 55 · Portuguese Branch Edificio Atrium Saldanha, Praca Duque de Saldanha 1-3 B P-1050-094 Lisbon Tel: +351 21 3 51 03 70 Fax: +351 21 3 51 03 80

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· London Branch 90 Long Acre, Covent Garden 4th Floor London WC2E 9RA Tel: +44 20 77 59 75 00 Fax: +44 20 77 59 76 72 · Madrid Branch Paseo de la Castellana 110, 7a plta dcha E-28046 Madrid Tel: +34 91 7 87 74 50 Fax: +34 91 7 87 74 90

BANKING & FINANCE

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BANKING & FINANCE

Freddie Mac

Freddie Mac 8200 Jones Branch Drive McLean, VA 22102-3110 United States Tel: +1 703 903 2000 Fax: +1 [email protected] www.freddiemac.com Ticker Symbol: New York: FRE Date of Establishment: 1970 Number of Employees: 5,064 ACTIVITIES Freddie Mac provides mortgage and financial services. Chartered by Congress on July 24, 1970, the Company is stockholder-owned. QUICK FACTS Return on equity by year:· · · · · COMPETITORS 2000 2001 2002 2003 2004 39.0% 20.2% 47.2% 17.2% 10.2% REGION: North America SECTOR: Banking and Finance SIC Codes: 6035 6036

· Citigroup Inc · Fannie Mae · Countrywide Financial Corporation

BOARD OF DIRECTORS Richard F Syron, Chairman and Chief Executive Officer Barbara T Alexander, Director Geoffrey T Boisi, Director Joan E Donoghue, SVP and Counselor to the Chairman Michelle Engler, Director Richard Karl Goeltz, Director Thomas S Johnson, Director William M Lewis Jr, Director Eugene M McQuade, President and Chief Operating Officer Shaun O'Malley, Director Jeffrey M Peek, Director Ronald F Poe, Director Stephen A Ross, Director William J Turner, Director EXECUTIVES Richard F Syron, Chairman and Chief Executive Officer Eugene McQuade, President and Chief Operating Officer Maxine B Baker, VP, Community Relations, and President and CEO Freddie Mac Foundation Martin F Baumann, EVP, Chief Financial Officer George Bentley, VP, Investor Relations Donald J Bisenius, SVP, Credit Policy and Portfolio Management

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James Bowden, VP, HomeSteps Ralph F Boyd, Jr , EVP, Community Relations; Chairman, Freddie Mac Foundation Patricia Chen, VP, Customer Management and Technology Integration Margaret A Colon, CAO, Strategy and Administration Patricia L Cook, EVP, Investments Adrian B Corbiere, SVP, Multifamily Sourcing Michael L Dawson, VP, Multiclass Issuance Catherine M Dondzila, SVP, Business Area Controller Nazir G Dossani, SVP, Investments Janet C Eakes, SVP, Mortgage Sourcing Operations Peter Federico, VP, Asset Liability Management Paul G George, EVP, Human Resources Cindy Gertz, SVP, Operational Risk Oversight Edward L Golding, SVP, Financial Research and Housing Economics Phil Guth, VP, Single Class Issuance, Mortgage Funding Daryl Hall, VP, Asset Management Mark D Hanson, VP, Mortgage Funding Mitchell W Kiffe, VP, Multifamily Flow Sourcing Peter E Mahoney, VP, Global Investor Relations Stan Martin, SVP and General Auditor Michael C May, SVP, Operations Timothy J McBride, SVP, Government Relations Patricia McClung, VP, Affordable Lending Paul McDermott, VP, Structured and Affordable Housing, Multifamily Sourcing Division Hollis McLoughlin, SVP and Chief of Staff Milton E Moore, SVP and Chief Technology Officer, Information Technology Group Paul E Mullings, SVP, Single Family Mortgage Sourcing Craig S Nickerson, VP, Expanding Markets Frank E Nothaft, Chief Economist David R Palombi, SVP, Corporate & Marketing Communications Jonathan M Prince, VP, Mortgage Investor Relations John Radwanski, VP and Assistant Treasurer, Debt Financing Dwight P Robinson, SVP, Corporate Relations and Housing Outreach Ray Romano, SVP of Credit Risk Oversight Anurag Saksena - SVP and Chief Enterprise Risk Officer Joseph A Smialowski, EVP, Operations and Technology Robert Tsien, SVP, Mission Division Jerry Weiss, SVP and Chief Compliance Officer John Woods, SVP and Corporate Controller BIOGRAPHIES RICHARD F. SYRON - CHAIRMAN AND CHIEF EXECUTIVE OFFICER

BANKING & FINANCE

Richard F. Syron is chairman and chief executive officer of Freddie Mac, a New York Stock Exchange traded company and the second largest source of mortgage financing in the United States. Syron joined Freddie Mac in December 2003 from Thermo Electron, an S&P 500 company with 11,000 employees doing business in 30 countries and a world-leader in the design and development of high-tech instruments. He was chairman of the board. Syron joined Thermo Electron in June 1999 as president and chief executive officer, and became chairman in January 2000. At Thermo Electron, Syron designed and executed a revamping of the company's organizational, legal and capital structure, reshaping an organization of 24 publicly traded companies in six different industries into one operating company focused on the instruments business. Prior to becoming chief executive at Thermo Electron, Syron was chairman and chief executive officer of the American Stock Exchange (Amex), America's second oldest organized equities trading marketplace. Syron joined the Amex as chief executive officer in 1994 and for five years led it through a period of remarkable growth, including a merger in 1999 into the National Association of Securities Dealers, the organization that runs the NASDAQ. Syron continues to sit on the Amex board of governors. Prior to joining the Amex as chief executive officer, Syron held senior posts in the banking sector including top positions at the Federal Reserve Bank of Boston and at the Federal Home Loan Bank of Boston. During his time at the Federal Reserve from 1989 through 1994, Syron helped shape monetary policy as a member of the Federal Reserve Board's monetary policy making Federal Open Market Committee. Syron also was sponsor of a landmark study on racial discrimination in mortgage lending during this time, and was the key figure in the restructuring of New England's banking system following the strains from the 1980s and early 1990s. While with the Federal Home Loan Bank system, which he joined in 1986, Syron was the primary architect of the policy framework that began the recapitalization of the Federal Savings and Loan Insurance Corporation in 1987. Before joining the Federal Home Loan Bank of Boston as president in 1986, Syron held a number of policy and staff positions with the Federal Reserve System, including assistant to the chairman of the Federal Reserve Board Paul Volcker beginning in January 1981 through early 1982. Prior to being named the assistant to Volcker, Syron was deputy assistant secretary of the United States Treasury with responsibility for developing the department's position on all domestic economic policy issues, and extensive interaction with other executive branch agencies, Congress and the public.

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Prior to joining the Treasury Department, Syron held a series of increasingly responsible economic research, policy and managerial positions in state and national government. In addition to his role with Freddie Mac, Syron serves as a member of the Board of Directors of the Freddie Mac Foundation. Started by Freddie Mac in 1991, the Freddie Mac Foundation is dedicated to opening doors to hope and opportunity for children, youth and their families. Since its inception, the Foundation has helped better the lives of more than 1.5 million children. Syron is also a trustee and former chairman of the board of trustees of Boston College and a trustee of the Woods Hole Oceanographic Institute. Syron earned his undergraduate degree from Boston College and masters and doctorate degrees in economics from Tufts University. EUGENE M. MCQUADE - PRESIDENT AND CHIEF OPERATING OFFICER Eugene M. McQuade was named Freddie Mac's president and chief operating officer on September 1, 2004. McQuade reports to Chairman and CEO Richard F. Syron. Reporting to McQuade are Freddie Mac's Finance, Corporate Strategy & Administration, Information Systems and Services, Mortgage Sourcing, Operations & Funding, and Mission divisions. Prior to joining Freddie Mac, McQuade served as president of Bank of America Corporation. He had been president and chief operating officer at FleetBoston Financial Corp. before helping to bring about the April 1, 2004 merger between that company and Bank of America. McQuade joined Fleet in 1992 and became chief financial officer in 1993. He was elevated to vice chairman in 1997 and became president and chief operating officer in 2002. Before working at Fleet, McQuade served as the executive vice president and controller at Manufacturers Hanover Corp., a predecessor of J.P. Morgan Chase. McQuade began his career at KPMG Peat Marwick in New York. Originally from New York City, McQuade is a certified public accountant. He earned a degree in Accounting from St. Bonaventure University, of which he is a trustee. McQuade is also a director of XL Capital. MARTIN F. BAUMANN - EXECUTIVE VICE PRESIDENT FINANCE AND CHIEF FINANCIAL OFFICER Martin F. Baumann is the executive vice president - Finance & chief financial officer for Freddie Mac. Baumann is responsible for the corporation's accounting, financial reporting, tax reporting, budgeting, capital oversight, economic research and analysis, legal and regulatory compliance, and enterprise risk oversight including market, credit and operating risks. Baumann joined Freddie Mac in April 2003. Prior to joining Freddie Mac, Baumann was a Partner at PricewaterhouseCoopers (PwC). He joined PwC in 1969 and became a partner in 1980. He has served as the Deputy Chairman - World Financial Services Practice and as the Global Banking Leader and has also served on PwC's U.S. and World Financial Services Executive Committees. Most of his career was spent within PwC's Financial Services Group. He was the lead global client partner responsible for The Prudential Insurance Company of America, The Chase Manhattan Corporation, Marine Midland, Chemical Banking Corporation, MasterCard International and The World Bank. Baumann also has served numerous other banking clients including Lloyds Bank, Westpac Bank, CIC, Bank of China and Banque Indoseuz. Baumann chaired the Accounting Standards Executive Committee Task Force on the Allowance for Loan Losses. In this position, Baumann was charged with developing definitive guidance for loan loss accounting. He previously served as PwC's representative on the AICPA Banking Committee, as Chairman of the AICPA Foreign Loan Subcommittee, and as Chairman of the Accounting Standards Executive Committee Task Force on Interest Income Recognition on Troubled Loans. For the New York State Society of Certified Public Accountants, he served as a member of the General Committee on Accounting and Auditing, the lead oversight committee, and as Chairman of the Committee on Banking and Savings Institutions. A frequent speaker on accounting and auditing matters affecting the financial services industry, Baumann has testified in Washington before the House Banking Committee on various issues, including hearings on bank loan loss accounting and the international debt crisis. Baumann is a Certified Public Accountant and a member of the American Institute of Certified Public Accountants, the New York State Society of Certified Public Accountants, and several banking and insurance industry associations. He is the author of several publications, and also has served as an instructor at Queens College on advanced auditing methods. Baumann holds a Bachelor of Arts degree in Accounting from Queens College and a Master of Business Administration degree with a specialty in Finance from Baruch College. He is also a graduate of Columbia University's Executive Program in Business Administration. Additionally, Baumann was honored as the recipient of the 2001 Humanitarian of the Year award presented to him by Catholic Community Services of Newark, NJ for his efforts in contributing to the revitalization of Newark. PATRICIA L. COOK - EXECUTIVE VICE PRESIDENT INVESTMENTS Patricia L. Cook joined Freddie Mac as executive vice president, investments on August 2, 2004. Cook reports to Richard F. Syron, chairman and chief executive officer. A Wall Street veteran with 25 years of experience developing and managing fixed-income investment strategies, Cook manages the company's approximately $630 billion retained mortgage portfolio, debt issuance, and its asset/liability risk management strategies. Prior to joining Freddie Mac, Cook served as managing director and chief investment officer, global fixed income, for JPMorgan Fleming Asset Management. Cook joined JPMorgan Fleming Asset Management, with nearly $300 billion in total assets under management, in May 2003 and was responsible for management of fixed income investments across all asset classes.

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BANKING & FINANCE

Cook has also served as managing director and chief investment officer, fixed income, for Prudential Investment Management. She previously held management positions with Fisher Francis Trees & Watts and Salomon Brothers, Inc. Cook is a graduate of St. Mary's College, and received a Masters in Business Administration degree from New York University. She has been a member of the Treasury Borrowing Advisory Committee. JOSEPH A. SMIALOWSKI - EXECUTIVE VICE PRESIDENT OPERATIONS AND TECHNOLOGY Joseph A. Smialowski was named Freddie Mac's executive vice president of Operations and Technology in December 2004. Smialowski is responsible for managing the largest segment of Freddie Mac's business operations, including all of the company's mortgage origination and servicing, investment and capital markets operations, and information systems divisions. Smialowski reports to President and Chief Operating Officer Eugene M. McQuade. Prior to joining Freddie Mac, Smialowski was executive vice president at Fleet Boston Financial where he was part of the firm's management committee and had direct oversight of its information technology, bank operations, corporate real estate, procurement, security and business continuity for Fleet's business lines in Asia, Europe, Latin America and the United States. Smialowski held a key role on the integration team following the acquisition of Fleet Boston by Bank of America. Prior to joining Fleet Boston in 1998, Smialowski was chief information officer at Sears, Roebuck and Co., overseeing all of the information technology units for the company's retail, credit, product service and direct-response businesses in North America. During this time, Smialowski also served as the chairman of the National Retail Federation's Technology Council and was a recipient of the National Center for Supercomputing Center's Grand Challenge Award. Early in his career, Smialowski held increasingly responsible management, technology and operations positions at Dennison Manufacturing, Xerox and The Hartford. Smialowski received a B.A. in philosophy from Merrimack College and received a master's degree in computer systems management from the Rochester Institute of Technology. SELECTED FINANCIAL DATA 31/12/01 US$'000 Total interest income Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share ANALYST COVERAGE A G Edwards Argus Research Corp Bear Stearns CS First Boston Fox-Pitt Kelton Friedman Billings Ramsey J P Morgan Keefe, Bruyette & Woods Lehman Brothers Merrill Lynch Morgan Stanley Piper Jaffray Prudential Equity Group Raymond James Sandler O'Neill & Partners Sanford Bernstein Smith Barney Citigroup Susquehanna Financial Group UBS Wachovia Securities 36,173,000 4,454,000 4,147,000 641,100,000 19,624,000 US$4.25 US$0.80 31/12/02 US$'000 38,476,000 14,803,000 10,090,000 752,249,000 31,330,000 US$14.22 US$0.88 31/12/03 US$'000 37,098,000 7,018,000 4,816,000 803,449,000 31,487,000 US$6.69 US$1.04 31/12/04 US$'000 35,603,000 3,727,000 2,937,000 795,284 31,416,000 US$3.96 US$1.20

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LOCATIONS · CORPORATE HEADQUARTERS 8200 Jones Branch Drive McLean, VA 22102-3110 Tel: +1 703 903-2000 · NEW YORK CITY OFFICE 575 Lexington Avenue, Suite 1800 New York, NY 10022-6102 Tel: +1 212 418-8900 · NORTH CENTRAL REGION 333 West Wacker Drive, Suite 2500 Chicago, IL 60606-1287 Tel: +1 312 407-7400 · NORTHEAST REGION 1410 Spring Hill Road, Suite 600 PO Box 50122 McLean, VA 22102-8922 Tel: +1 703 902-7700 · SOUTHEAST REGION North Tower, Suite 200 2300 Windy Ridge Parkway SE Atlanta, GA 30339-5665 Tel: +1 770 857-8800 · SOUTHWEST REGION 5000 Plano Parkway Carrollton, TX 75010-4902 Tel: +1 972 395-4000 · WESTERN REGION 21700 Oxnard Street, Suite 1900 Woodland Hills, CA 91367-3642 Tel: +1 818 710-3000

BANKING & FINANCE

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BANKING & FINANCE

General Electric Company

General Electric Company 3135 Easton Turnpike Fairfield, CT 06828 United States Tel: +1 203 373 2211 Fax: +1 203 373 3131 www.ge.com Ticker Symbol: New York: GE Date of Establishment: 1892 Number of Employees: 227,000 ACTIVITIES General Electric Company is a diversified industrial corporation primarily engaged in developing, manufacturing and marketing a range of products for the generation, transmission, distribution, control and utilization of electricity. Since foundation in 1892, the Company has diversified its activities, products and services to include major appliances, lighting products, industrial automation products, medical diagnostic imaging systems, bioscience assays and separation technology products, electrical distribution and control equipment, locomotives, power generation and delivery products, nuclear power support services and fuel assemblies, commercial and military aircraft jet engines, chemicals and equipment for treatment of water and process systems, security equipment and systems, engineered materials including plastics and silicones. The Company's services include product services, electrical product supply houses, electrical apparatus installation, engineering, and repair and rebuilding services. Media and entertainment activities are carried out through affiliate company, NBC Universal Inc, which produces and delivers network television services, operates television stations, produces and distributes motion pictures, operates cable/satellite networks, operates theme parks and programs activities in multimedia and the Internet. General Electric Capital Services Inc provides a range of financial and other services including consumer financing, commercial and industrial financing, real estate financing, asset management and leasing, mortgage services, consumer savings and insurance services and specialty insurance and reinsurance. QUICK FACTS Return on average shareholders' equity by year as follows:· · · · · 2000 2001 2002 2003 2004 27.5% 27.1% 25.8% 22.1% 17.4% REGION: North America SECTOR: Banking and Finance SIC Codes: 3511

2004 consolidated global revenues breakdown by region as follows:· · · · Europe 59% Pacific Basin 22% Americas 13% Other Global 10%

Research and development expenses in 2004, 2003 and 2002 were $3,091 mn, $2,656 mn and $2,631 mn respectively. In 2004, 14,800 person-years of scientist and engineering effort were dedicated to research and development

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2004 revenues by segment as follows:· · · · · · · · · · · Advanced Materials $8,290 mn Consumer Finance $15,734 mn Commercial Finance $23,489 mn Consumer & Industrial $15,734 mn Energy $17,348 mn Equipment & Other Services $8,483 mn Healthcare $13,456 mn Infrastructure $3,447 mn Insurance $23,070 mn NBC Universal $12,886 mn Transportation $15,562 mn

BANKING & FINANCE

* Corporate items and eliminations accounted for ($3,169 mn) 2004 percentage of revenues by segment and respective headquarters as follows:· · · · · · · · · · · COMPETITORS Advanced Materials 5.4% - Pittsfield, Massachusetts Commercial Finance 15.4% - Stamford, Connecticut Consumer Finance 10.3% - Stamford, Connecticut Consumer & Industrial 9.0% - Louisville, Kentucky Energy 11.4% - Atlanta, Georgia Equipment & Other Services $8,483 mn Healthcare 5.6% - Stamford, Connecticut Infrastructure 2.3% - Wilton, Connecticut Insurance 15.1% - Kansas City, Missouri NBC Universal 8.5% - New York, New York Transportation 10.2% - Evendale, Ohio

· Siemens AG · ALSTOM · CIT Group Inc · ABB Ltd

BOARD OF DIRECTORS Jeffrey R Immelt, Chairman and CEO James I Cash Jr, Director Dennis D Dammerman, Director Ann M Fudge, Director Claudio X Gonzalez, Director Andrea Jung, Director A G Lafley, Director Kenneth G Langone, Director Ralph S Larsen, Director Rochelle B Lazarus, Director Sam Nunn, Director Roger S Penske, Director Andrew C Sigler, Director Robert J Swieringa, Director Douglas A Warner III, Director Robert C Wright, Vice Chairman EXECUTIVES Jeffrey R Immelt, Chairman and CEO Ferdinando Beccalli, President and CEO, Europe, the Middle East and Africa Charlene Begley, President and CEO, GE Transportation, Rail David L Calhoun, President and CEO, GE Transportation James P Campbell, President and CEO, GE Consumer & Industrial, Americas Sir William Castell, President and CEO, GE Healthcare Beth Comstock, Chief Marketing Officer and Corporate VP of Marketing William J Conat, SVP, Corporate Human Resources Dennis D Dammerman, Vice Chairman of the Board & Chairman of GE Capital Services Brackett B Denniston III, VP, General Counsel Scott C Donnelly, SVP, Corporate Research and Development Michael D Fraizer, President and CEO, Financial; CEO designated, Genworth Financial Yoshiaki Fujimori, President and CEO, Asia Arthur H Harper, President and CEO, GE Equipment Services

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Ben W Heineman Jr, SVP, Law and Public Affairs Joseph M Hogan, President and CEO, GE Healthcare Technologies Robert A Jeffe, SVP, Corporate Business Development John Krenicki Jr, President and CEO, GE Advanced Materials Michael A Neal, President and CEO, GE Commercial Finance David R Nissen, President and CEO, GE Consumer Finance James A Parke, SVP; Vice Chairman and CFO, GE Capital Services Ronald R Pressman, President and CEO, GE Insurance; President and CEO, Employers Reinsurance Corporation Gary M Reiner, SVP and Chief Information Officer John G Rice, President and CEO, GE Energy Keith S Sherin, SVP, Finance and CFO Lloyd G Trotter, President and CEO, GE Consumer & Industrial William A Woodburn, President and CEO, GE Infrastructure Bob Wright, Vice Chairman and Executive Officer; Chairman and CEO, National Broadcasting Company Inc William H Cary, VP, Corporate Investor Relations JoAnna H Morris, Director, Corporate Investor Relations BIOGRAPHIES JEFFREY R. IMMELT - CHAIRMAN AND CEO

BANKING & FINANCE

Jeffrey R. Immelt, 48, is Chairman of the Board and CEO of GE. Mr. Immelt, the 9th Chairman in GE's 126-year history, was appointed to this post on September 7, 2001. Previously, Mr. Immelt served as President and Chairman-elect of GE from November 2000, when GE's Board of Directors selected him to succeed John F. Welch. From 1997 to 2000, Mr. Immelt had been President and CEO of GE Medical Systems, which is today a $12 billion leader in the healthcare industry. He began his GE career in 1982. Over the last 22 years, Mr. Immelt has held a series of global leadership roles in GE's Plastics, Appliance, and Medical businesses. He became an Officer of GE in 1989, and joined the GE Capital Board in 1997. He serves on the board of two non-profit organizations: Catalyst, devoted to advancing women in business; and Robin Hood, focused on addressing poverty in New York City. Mr. Immelt was named the Financial Times "Man of the Year" for 2003. Mr. Immelt holds a B.A. degree in applied mathematics from Dartmouth College (1978) and an M.B.A. from Harvard University (1982). He and his wife, Andrea, have one daughter. FERDINANDO BECCALLI - PRESIDENT AND CEO, EUROPE, THE MIDDLE EAST, AFRICA AND LATIN AMERICA Ferdinando "Nani" Beccalli-Falco has been President and CEO, Europe, the Middle East and Africa for GE since January 2002. He added Latin America to his responsibilities in May 2004. He is responsible for working on behalf of all GE businesses to expand customer and government relationships and to develop new business markets across both regions. He is based in Brussels, Belgium. Prior to his current position, Nani Beccalli-Falco served as EVP, GE Capital Services, where he had oversight responsibilities for GE Capital's Equipment Management Businesses, including Americom, Fleet Services, Rail Services, TIP/Modular Space and Penske Truck Leasing. He also oversaw GE Capital India, GE Capital Global Sourcing, GE Capital Container Finance and the GE SeaCo JV. Mr. Beccalli-Falco has enjoyed a long career at GE, starting in 1975 in the United States. He first worked in Europe in 1977 when he joined GE Plastics, in the Strategic Planning group at the company's European headquarters, in Bergen op Zoom, The Netherlands. In 1981, Nani moved to GE Plastics global headquarters in Pittsfield, MA, where he held management positions in the Specialty Plastics, NORYL® resin, LEXAN® resin and Marketing divisions. In 1987, he returned to Bergen op Zoom as the Director of Marketing, and in 1990, he became the Managing Director of SPE. From 1993 to 1996 he served as the President of GE Plastics Japan Ltd. Nani Beccalli-Falco was VP and General Manager, GE Plastics Americas from January 1997 until May 2001, when he joined GE Capital Services. A native of Italy, Nani Beccalli-Falco earned a master's degree in chemical engineering from the Polytechnic of Torino in Italy, and he has completed graduate work in business administration at Xavier University in Cincinnati, Ohio. CHARLENE BEGLEY - PRESIDENT AND CEO GE TRANSPORTATION, RAIL Charlene Begley is President and CEO of GE Transportation, Rail. Charlene joined GE in 1988 on the Financial Management Program at GE Transportation Systems after graduating magna cum laude from the University of Vermont in 1988 with a B.S. degree in business administration. She moved to the Corporate Audit Staff in 1990. During her four years on staff, Charlene worked with GE Power Systems and GE Aircraft Engines to reduce the engineering design and manufacturing cycle. Charlene also spent a year as acting CEO for Casablanca Fan Company (a prior GE Capital business). Charlene then joined GE Capital Mortgage Services as VP of Operations. She was promoted to General Manager, Quality for GE Transportation Systems in 1995. Charlene became CFO for GE Transportation in 1997. In 1998, she joined GE Plastics as Director of Finance for GE PlasticsEurope. Charlene was promoted to VP of the Corporate Audit Staff in 1999. In this role, Charlene worked with the GE businesses to improve controllership as well as accelerate e-Business, global sourcing, pricing optimization, acquisition due diligence and integration. In August 2001, Charlene joined GE Fanuc Automation North America, Inc. as President and CEO in Charlottesville, Virginia. Charlene is married and has three daughters.

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WILLIAM J. CONATY - SVP, CORPORATE HUMAN RESOURCES, GENERAL ELECTRIC COMPANY

BANKING & FINANCE

Bill Conaty is a native of Binghamton, New York, and graduated from Bryant College in Providence, Rhode Island, with a B.S. degree in business administration in 1967. Upon college graduation, he joined the General Electric Company on their Corporate Manufacturing Management Program. After graduation from the three-year management program and a tour of military duty, he joined GE Transportation Division in 1971 and held several employee and labor relations assignments in Erie and Grove City, Pennsylvania. In 1978, he functioned as Plant Manager of the GE Diesel Engine Plant in Grove City, Pennsylvania, prior to moving to Valley Forge, Pennsylvania, with the Aerospace Human Resources Operation in 1979. In 1981, he became Manager-Plant Relations in Syracuse, New York, and in 1984 joined GE Aircraft Engines in Lynn, Massachusetts, as Manager-Human Resources for the Lynn Production Division. In 1987, he assumed total human resources responsibilities for the Lynn area. In November 1990, Bill was elected a GE Company officer and became VP-Human Resources for GE Aircraft Engines headquartered in Evendale, Ohio. In October 1993, Bill became SVP of Corporate Human Resources and reports to GE Chairman and CEO, Jeff Immelt. In his current role, he has overall human resources responsibility for 315,000 GE employees worldwide. JAMES A. PARKE - SVP, GENERAL ELECTRIC COMPANY; VICE CHAIRMAN AND CFO, GE CAPITAL SERVICES James A. Parke is Vice Chairman and CFO of GE Capital Services where he has oversight of Capital Markets, Controllership, Tax and Treasury, critical functions shared by the four GE Financial services businesses. He is also a SVP of the General Electric Company. During his 13-year tenure as CFO, Jim has implemented company-wide processes that have improved the reporting and standardization of the finance function globally as the company has grown from a $1 billion net income-generating business to one that contributes more than $7 billion of net income to the General Electric Company. After completing the GE Financial Management Program and assignments at Aerospace Electronic Systems, he joined the Corporate Audit Staff in 1973. In 1978, he was appointed Audit Administrator. Subsequent assignments included Manager of Financial Section at Lighting Systems Department in 1980, Manager of Financial Operation and Commercial and Industrial Financing Division at General Electric Credit Corporation in 1982, and Manager of Lighting Finance Operation at Lighting Business Group in 1983. Parke became VP of the Corporate Audit Staff in 1987 and was named VP of Finance and Information Systems at Aircraft Engines in 1989. In November 1989, Parke became SVP and CFO of GE Capital and was named Vice Chairman and CFO in June 2000. He is active in the community as a director of Building with Books and the Norwalk Community College Foundation. Parke also serves on the Board of Regents of Concordia College and from 1999 to 2003 served as a member of the Financial Accounting Standards Advisory Council. He graduated with a B.A. in history, political science and economics from Concordia College in Minnesota in 1968. SELECTED FINANCIAL DATA 31/12/01 US$'000 Revenues Profit before tax Profit after tax Total assets Shareholders' equity Earnings per share Dividends per share 126,416,000 19,701,000 13,684,000 495,023,000 54,824,000 US$1.38 US$0.66 31/12/02 US$'000 132,210,000 18,891,000 14,118,000 575,244,000 63,706,000 US$1.42 US$0.73 31/12/03 US$'000 134,187,000 19,904,000 15,002,000 647,483,000 79,180,000 US$1.50 US$0.77 31/12/04 US$'000 152,363,000 20,106,000 16,593,000 750,330,000 110,824,000 US$1.60 US$0.82

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BANKING & FINANCE

Groupe Caisse d'Epargne

Groupe Caisse d'Epargne 77 blvd Saint Jacques F-75673 Paris Cedex 14 France Tel: +33 1 58 40 41 42 Fax: +33 1 58 40 48 00 [email protected] www.caisse-epargne.com Ticker Symbol: Private company Date of Establishment: 1818 Number of Employees: 52,800 ACTIVITIES Groupe Caisse d'Epargne provides banking and financial services. Groupe Caisse d'Epargne has 26 million customers in France and is one of the top three banking institutions in several market segments including savings, life insurance and loans to individual customers, real-estate, financing of local authorities, regional venture capital, asset management, and custody services. COMPETITORS REGION: Europe SECTOR: Banking and Finance SIC Codes: 6036

· Crédit Agricole SA · Société Générale · BNP Paribas

BOARD OF DIRECTORS Jacques Mouton, Chairman, Bernard Comolet, Vice-Chairman Francis Mayer, Vice-Chairman · Caisses d'Epargne Representatives: Jean-Charles Cochet, Director Dominique Courtin, Director Jean-Claude Créquit, Director Michel Dosière, Director Marcel Duvant, Director Yves Hubert, Director Alain Lemaire, Director Jean Levallois, Director Bernard Sirol, Director Hervé Vogel, Director · Representatives of the Caisse des Dépôts: Etienne Bertier, Director Dominique Marcel, Director Albert Ollivier, Director Jean Sebeyran, Director Franck Silvent, Director · Representatives of the bank network employees: Serge Huber, Director Jacques Moreau, Director · Non-voting Directors: Joël Bourdin, Non-voting Director Jean-Marc Espalioux, Non-voting Director

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Jean-Charles Naouri, Non-voting Director Henri Proglio, Non-voting Director · Government Commissioner: Antoine Mérieux, Government Commissioner · Representatives of the Works Council Françoise Amilhat, Director Samuel André, Director Jean-Luc Debarre, Director Patrick Mellul, Director EXECUTIVES · Management Board: Charles Milhaud, Chairman Guy Cotret, in charge of human resources, information systems and banking operations Nicolas Mérindol, in charge of the commercial banking division and corporate strategy Anthony Orsatelli, in charge of the investment banking division Pierre Servant, in charge of finance and Group risk management SELECTED FINANCIAL DATA 31/12/01 '000 Interest income Income before taxes Net income Total assets 16,648,000 1,226,000 790,000 345,057,000 31/12/02 '000 16,913,000 1,648,000 952,000 357,133,000 31/12/03 '000 16,648,000 2,108,000 1,116,000 380,675,000

BANKING & FINANCE

31/12/04 '000 17,637,000 2,412,000 1,785,000 543,911,000

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BANKING & FINANCE

HBOS plc

HBOS plc The Mound Edinburgh EH1 1YZ United Kingdom Tel: +44 131 470 2000 Fax: +44 131 243 5437 [email protected] www.hbosplc.com Ticker Symbol: London: HBOS Date of Establishment: 2001 Number of Employees: 63,900 ACTIVITIES Provision of banking, financial and insurance services. HBOS plc operates through five divisions:· Retail: provision of retail banking operations, HBOS has a 16% and 22% market share of the retail savings and mortgage market respectively. · Corporate: provision of a range of corporate products and services. · Treasury · Insurance & Investment: provision of investment, personal lines insurance and asset management services with an 8.5% market share in the UK personal lines market and a 12% market share of the investment business in the UK. · International: provision of multi-channel retail products and services, insurance and investment business, corporate, commercial and business finance. QUICK FACTS 2004 vs. 2003 interest receivable by geographic region:· UK £21,635 mn vs. £16,528 mn · Rest of World £2,710 mn vs. £1,699 mn 2004 profit before tax by division:· · · · · Retail £2,059 mn Corporate £1,376 mn Treasury £262 mn Insurance & Investment £1,067 mn International £312 mn REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021

2004 total assets by division:· · · · · Retail £185,656 mn Corporate £87,847 mn Treasury £84,622 mn Insurance & Investment £57,696 mn International £27,060 mn

COMPETITORS

· Abbey plc · Banco Santander Central Hispano SA · Lloyds TSB Group plc

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BANKING & FINANCE

BOARD OF DIRECTORS Dennis Stevenson, Chairman James Crosby, Group Chief Executive Phil Hodkinson, Chief Executive, Insurance & Investment Division Andy Hornby, Chief Executive, Retail Colin Matthew, Chief Executive, Strategy and International Operations George Mitchell, Chief Executive, Corporate Banking Mark Tucker, Group Finance Director Charles Dunstone, Non-Executive Director Sir Ronald Garrick, Non-Executive Director Anthony Hobson, Non-Executive Director Brian Ivory, Non-Executive Director John Maclean, Non-Executive Director Coline McConville, Non-Executive Director Kate Nealon, Non-Executive Director David Shearer, Non-Executive Director EXECUTIVES James Crosby, Group Chief Executive Jo Dawson, Group Risk Director Phil Hodkinson, Chief Executive, Insurance & Investment Division Andy Hornby, Chief Executive, Retail Ian Kerr, Director of HBOS Group Services Colin Matthew, Chief Executive, Strategy and International Operations George Mitchell, Chief Executive, Corporate Banking Mark Tucker, Group Finance Director BIOGRAPHIES JAMES CROSBY - GROUP CHIEF EXECUTIVE Born in 1956, James joined Scottish Amicable in 1977 and spent 10 years as a fund manager followed by senior positions in IT, marketing, finance and corporate development. He led the establishment of the joint venture with J Rothschild Assurance (1991) of which he was a Director until 1994. In 1994 he joined Halifax Building Society as Managing Director, Halifax Life and following the acquisition of Clerical Medical in 1996 he became Financial Services and Insurance Director of Halifax plc. On 1 January 1999 James was appointed Chief Executive of Halifax and also became a Director of St. James's Place Capital plc in June 2000. In September 2001, following the merger of Bank of Scotland and Halifax, James became Chief Executive of HBOS plc. James is a Non-executive director of ITV plc and the Financial Services Authority. James is a Fellow of the Faculty of Actuaries. JO DAWSON - GROUP RISK DIRECTOR Jo was appointed to the newly created role of Group Risk Director on 1 January 2005 when she also became a member of the HBOS Group Executive Committee. She leads the Group Risk functions who are responsible for setting policy and standards and providing advice, oversight and functional leadership to improve the overall risk management framework and effectiveness in all the operating divisions within the Group's federal operating model. Alongside coverage of specific risk areas credit, liquidity, market, insurance, investment and operational and regulatory risks she is also responsible for the development, coordination and implementation of the Group's response to major regulatory change programmes including the Basel II capital accord and the FSA's "Treating Customers Fairly" initiative. Prior to taking on this role, Jo was Head of Advisory Sales within Retail, with responsibility for: HBOS' market-leading bancassurance business Bank of Scotland wealth management businesses Bank of Scotland Business Banking International Operations comprising Banco Halifax Hispania and Bank of Scotland (Netherlands) She joined the Halifax in June 2000 from Green Flag, initially as General Manager Retail Sales with responsibility for developing sales through the branch network before moving on to manage the specialist businesses detailed above. She was Business Development Director at Green Flag and, prior to that, held a number of senior management positions at Nat West in both retail and corporate as well as central strategy and finance roles. She has a degree from Cambridge University and an MBA from Warwick Business School. In 1996/97 she took a 12 month sabbatical to take part in the Chay Blyth inspired BT Global Challenge Round the World Yacht Race, finishing second overall.

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PHIL HODKINSON - CHIEF EXECUTIVE, INSURANCE & INVESTMENT DIVISION

BANKING & FINANCE

Born in 1958, Phil joined Allied Dunbar in 1984 and became Managing Director before moving to Eagle Star Life as Chief Executive. Phil has run the UK life business of Zurich Financial Services and was the founder of Zurich's UK Enterprise portfolio of new insurance, banking and ecommerce operations. He was appointed Chief Executive of the Insurance & Investment Division of HBOS plc in September 2001. He is Chairperson of the HBOS Foundation, a director of Business in the Community and a Fellow of the Institute of Actuaries. ANDY HORNBY - CHIEF EXECUTIVE, RETAIL Born in 1967, after graduating from Oxford Andy joined the Boston Consulting Group where he spent three years working on a range of projects, principally in the media and retail sectors. He then went to Harvard, where he obtained his MBA. On his return, Andy joined Blue Circle, where he held a number of senior line management roles. He moved to ASDA in 1996 and held numerous roles including Director of Corporate Development, Retail Managing Director and finally Managing Director of George, ASDA's clothing business. Andy joined Halifax on 1 November 1999 as Chief Executive, Halifax Retail and was appointed to the Board on 18 November 1999. Following the merger of Bank of Scotland and Halifax in September 2001, he became Chief Executive of the Retail Division of HBOS plc. Andy is also a Non-executive Director of GUS plc. COLIN MATTHEW - CHIEF EXECUTIVE, STRATEGY AND INTERNATIONAL OPERATIONS Born in 1950, Colin joined Bank of Scotland in 1966 and in 1991 was appointed Divisional General Manager, UK Banking-England. In 1994 he was appointed to the Bank of Scotland's Management Board as General Manager with responsibility for Bank of Scotland Treasury Services plc. In April 1999, Colin became a member of Bank of Scotland's Group Management Board and was appointed Divisional Chief Executive of Business Banking before being appointed a Director of Bank of Scotland in May 2000. Following the merger of Bank of Scotland and Halifax in September 2001, Colin became Chief Executive of the Business Banking Division of HBOS plc, and as of 1 January 2004, is now Chief Executive of Strategy and International Operations. Colin is a Fellow of The Chartered Institute of Bankers in Scotland. SELECTED FINANCIAL DATA 31/12/01 £'000 Net operating income Profit before tax Profit after tax Shareholders' equity Total assets Earnings per share Dividends per share 6,507,000 2,292,000 1,629,000 11,413,000 312,071,000 40.5p 28.0p 31/12/02 £'000 7,546,000 2,909,000 2,074,000 13,719,000 355,030,000 50.6p 29.4p 31/12/03 £'000 8,946,000 3,766,000 2,675,000 15,368,000 408,413,000 63.6p 30.9p 31/12/04 £'000 10,227,000 4,592,000 3,282,000 17,623,000 442,881,000 78.1p 32.95p

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BANKING & FINANCE

HSBC Holdings plc

HSBC Holdings plc 8 Canada Square London E14 5HQ United Kingdom Tel: +44 20 7991 8888 Fax: +44 20 7992 4880 [email protected] www.hsbc.com Ticker Symbol: New York: HBC. London: HSBA Date of Establishment: 1991 Number of Employees: 253,000 ACTIVITIES HSBC Holdings Inc provides banking and financial services in Europe, the AsiaPacific region, the Americas, the Middle East and Africa. The Bank has the following customer groups:· · · · · Personal Financial Services Consumer Finance Commercial Banking Corporate, Investment Banking and Markets Private Banking REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6029 6081 6082

QUICK FACTS 2004 vs. 2003 total assets by geographic region as follows:· · · · · Europe $539,116 mn vs. $425,312 mn Hong Kong $217,406 mn vs. $197,487 mn Rest of Asia-Pacific $120,504 mn vs. $98,081 North America $370,477 mn vs. $289,800 mn South America $17,397 mn vs. $12,549 mn

2004 vs. 2003 operating income by customer group as follows:· · · · · · Personal Financial Services $16,069 mn vs. $13,250 mn Consumer Finance $14,082 mn vs. $10,194 mn Commercial Banking $8,430 mn vs. $7,160 mn Corporate, Investment Banking and Markets $9,990 mn vs. $8,944 mn Private Banking $1,959 mn vs. $1,658 mn Other $2,435 mn vs. $1,074 mn

The Bank has over 110 mn customers globally

COMPETITORS

· Barclays plc · Citigroup Inc · Lloyds TSB Group plc

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BOARD OF DIRECTORS Sir John Bond, Chairman The Baroness Dunn, Deputy Chairman and senior non-executive Director Sir Brian Moffat, Deputy Chairman and senior independent non-executive Director S K Green, Group Chief Executive A W Jebson, Group Chief Operating Officer The Rt Hon the Lord Butler of Brockwell, Independent non-executive Director K F Ch'ien, Independent non-executive Director J D Coombe, Executive Director and CFO R A Fairhead, Independent non-executive Director D J Flint, Group Finance Director W K L Fung, Independent non-executive Director M F Geoghegan, Executive Director S Hintze, Independent non-executive Director Sir John Kemp-Welch, Independent non-executive Director Sir Mark Moody-Stuart, Independent non-executive Director S W Newton, Independent non-executive Director H Sohmen, Non-executive Director Sir Brian Williamson, Independent non-executive Director D J Shaw, Adviser to the Board R G Barber, Group Company Secretary EXECUTIVES S K Green, Group Chief Executive A W Jebson, Group Chief Operating Officer D J Flint, Group Finance Director · Group Managing Directors C-H Filippi, Group Managing Director and Chairman and CEO of CCF SA S T Gulliver, Group Managing Director and Co-Head Corporate, Investment Banking and Markets Y A Nasr, Group Managing Director and President HSBC Bank Brasil SA- Banco Múltiplo J J Studzinski, Group Managing Director and Co-Head Corporate, Investment Banking and Markets

BANKING & FINANCE

· Group General Managers R J Arena, Group General Manager, Global e-business C C R Bannister, CEO, Group Private Banking R E T Bennett, Group General Manager, Legal and Compliance N S K Booker, Group General Manager and CEO, India Z J Cama, Deputy Chairman and CEO, Bank Malaysia Berhad V H C Cheng, Executive Director, The Hongkong and Shanghai Banking Corporation Limited and CEO, Hang Seng Bank Limited Joined R J Duke, General Manager Banking Services, Bank plc Joined A A Flockhart, Group General Manager and CEO, Mexico M J G Glynn, Group General Manager, President and CEO, Bank USA D H Hodgkinson, Group General Manager and Deputy Chairman, Bank Middle East Limited A P Hope, Group General Manager, Insurance D D J John, Chief Operating Officer and Director, HSBC Bank plc M J W King, Group General Manager, Internal Audit M B McPhee, Group General Manager, Credit and Risk T W O'Brien, Group General Manager, Strategic Development R C F Or, General Manager, The Hongkong and Shanghai Banking Corporation Limited K Patel, Group General Manager and Head of Corporate, Investment Banking and Markets, Emerging Europe & Africa R C Picot, Group Chief Accounting Officer in October A F Rademeyer, Group General Manager and Head of Corporate, Investment Banking and Markets, Asia-Pacific J C S Rankin, Group General Manager, Human Resources B Robertson, Group General Manager and Head of Corporate, Investment Banking and Markets, HSBC Bank USA Dr S Rometsch, Chairman of the Managing Partners, HSBC Trinkaus & Burkhardt KGaA D A Schoenholz, President and Chief Operating Officer, Household International, Inc M R P Smith, CEO, The Hongkong and Shanghai Banking Corporation Limited I A Stewart, Group General Manager and Head of Transaction Banking, Corporate, Investment Banking and Markets P E Stringham, Group General Manager, Marketing P A Thurston, General Manager, Personal Financial Services, Asia-Pacific BIOGRAPHIES SIR JOHN BOND - GROUP CHAIRMAN Age 63. An executive Director since 1990; Group Chief Executive from 1993 to 1998. Joined HSBC in 1961; an executive Director of The Hongkong and Shanghai Banking Corporation Limited from 1988 to 1992. Chairman of HSBC Bank plc and a Director of The Hongkong and Shanghai Banking Corporation Limited. A Director of Ford Motor Company. S K GREEN - GROUP CHIEF EXECUTIVE Age 55. Group Chief Executive. An executive Director since 1998. Executive Director, Corporate, Investment Banking and Markets from 1998 to 2003. Joined HSBC in 1982. Group Treasurer from 1992 to 1998. Chairman of HSBC Bank Middle East Limited and HSBC Private Banking

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BANKING & FINANCE

Holdings (Suisse) S.A. Deputy Chairman of HSBC Bank plc. A Director of The Bank of Bermuda Limited, CCF S.A., The Hongkong and Shanghai Banking Corporation Limited, Grupo Financiero HSBC, S.A. de C.V., HSBC North America Holdings Inc. and HSBC Trinkaus & Burkhardt KGaA. A W JEBSON - GROUP COO Age 54. Group Chief Operating Officer. An executive Director since 2000. Group IT Director from 2000 to 2003. Group General Manager, Information Technology from 1996 to 2000. Joined HSBC in 1978. A Director of Household International, Inc. D J FLINT - GROUP FINANCE DIRECTOR Age 49. Group Finance Director. Joined HSBC as an executive Director in 1995. Director of HSBC Bank Malaysia Berhad. A member of The Accounting Standards Board and the Standards Advisory Council of the International Accounting Standards Committee Foundation. Chairman of the Financial Reporting Council's review of the Turnbull Guidance on Internal Control. A former partner in KPMG. SELECTED FINANCIAL DATA 31/12/01 US$'000 Operating income Profit before tax Profit after tax Shareholders' equity Total assets Earnings per share Dividends per share 25,888,000 8,000,000 6,012,000 45,688,000 696,245,000 US$0.54 US$0.48 31/12/02 US$'000 26,595,000 9,650,000 8,332,000 51,765,000 758,605,000 US$0.67 US$0.53 31/12/03 US$'000 41,072,000 12,816,000 9,696,000 74,473,000 1,034,216,000 US$0.84 US$0.60 31/12/04 US$'000 50,587,000 17,608,000 13,101,000 86,623,000 1,276,778,000 US$1.09 US$0.66

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BANKING & FINANCE

Industrial & Commercial Bank of China

Industrial & Commercial Bank of China 13 Cuiwei Road Haidian District Beijing China Tel: +86 6821 7782 Fax: +86 6821 7920 www.icbc.com.cn Ticker Symbol: State-owned company Date of Establishment: 1984 Number of Employees: 390,000 ACTIVITIES Industrial & Commercial Bank of China provides banking and financial services REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021

QUICK FACTS The Bank had more than 100 mn customers and operated through 24,129 domestic service outlets at the end of 2003

COMPETITORS

· Bank of China · Hang Seng Bank Limited · Bank of East Asia Limited

BOARD OF DIRECTORS EXECUTIVES Zhang Furong, EVP in Charge of Accounting Zu Yan, General Manager in Charge of Accounting

SELECTED FINANCIAL DATA 31/12/02 RMBY'000,000 Total operating income Profit before tax Profit after tax Deposits Total assets 91,511 6,902 6,527 4,100,517 4,776,773 31/12/03 RMBY'000,000 107,513 2,658 2,473 4,606,202 5,279,120

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BANKING & FINANCE

LOCATIONS · Singapore Branch 6 Raffles Quay #12 01 John Hancock Tower Singapore Tel: +65 65381066 Fax: +65 65381370 · Hong Kong Branch 33/F No.9 Queen's Road Central HongKong Tel: +852 28018277 Fax: +852 25213394 · Seoul Branch Taepeongno Bldg. #310 Taepeongno2 ga Jung gu Seoul 100 767 Korea Tel: +82 2 7555688 Fax: +82 2 7563127 · Frankfurt Branch Bockenheimer Anlage 15 60322 Frankfurt am Main Germany Tel: +49 69 50604700 Fax: +49 69 50604708 · Luxembourg Branch 4th Fl. 46A Avenue J.F.Kennedy L 1855 Luxembourg Tel: +352 2643 421 Fax: +352 2643 1523 · Almaty Branch 110 Furmanov Avenue Almaty 480091 Republic of Kazakhstan Tel: +73272 596402 Fax: +73272 596400 · Macao Branch E H tower of No. 18 Emperor Plaza Macao Tel: +853 786338 Fax: +853 786328 · Busan Branch 9 Floor Central Dongjiaobao Building Downtown Area Pusan Korea Tel: +82 51 4638788 Fax: +82 51 4636880 · ICBC (London) Limited 36 King Street London EC2V 8BB United Kingdom Tel: +44 20 7397 8888 Fax: +44 20 7397 8899

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· New York Representative Office 375 Park Avenue Suite 3508 New York NY 10152 USA Tel: +1 212 8387799 Fax: +1 212 8385770 · Sydney Representative Office Suite 5302 Level 53 MLC Center 19-29 Martin Place Sydney NSW 2000 Australia Tel: +61 2 92332233 Fax: +61 2 92333982 · Moscow Representative Office Smolensky Passage 7th Floor Smolenskaya Square 3 121099 Moscow Russia Tel: +7095 7751065 Fax: +7095 7751066 · ICBC (Asia) 33/F ICBC Tower 3 Garden Road Central Hong Kong Tel: +852 2588 1188 Fax: +852 2805 1166 · Industrial and Commercial International Capital Ltd 18/F Fairmont House 8 Cotton Tree Drive Central Hong Kong Tel: +852 2521 5661 Fax: +852 2810 0473 · ICEA Finance Holdings Limited 42nd Floor Jardine House 1 Connaught Place Central Hong Kong Tel: +852 22318000 Fax: +852 25252965

BANKING & FINANCE

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BANKING & FINANCE

ING Group

ING Group Amstelveenseweg 500 NL-1081 KL Amsterdam Netherlands Tel: +31 20 541 54 11 Fax: +31 20 541 54 44 [email protected] www.ing.com Ticker Symbol: New York: ING Date of Establishment: 1991 Number of Employees: 113,000 ACTIVITIES Formed in 1991 from the merger between Nationale-Nederlanden and NMB Postbank Groep, the ING Group provides insurance, banking and financial services. The Company operates through the following segments based on the Company's Insurance and Banking operations:· · · · · · · Insurance Europe Insurance Americas Insurance Asia/Pacific Wholesale Banking Retail Banking ING Direct Other REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029 6282 6311 6321 6331 6351 6361 6411

QUICK FACTS 2004 operating income by segment as follows:· · · · · · · Insurance Europe 16,209 mn Insurance Americas 28,112 mn Insurance Asia/Pacific 10,487 mn Wholesale Banking 5,761 mn Retail Banking 5,035 mn ING Direct 1,705 mn Other 1,005 mn

2004 operating income generated by Insurance operations by region as follows:· · · · · · · · Netherlands 11,520 mn Belgium 2,875 mn Rest of Europe 1,814 mn North America 25,439 mn Latin America 2,671 mn Asia 8,673 mn Australia 1,814 mn Other 1,091 mn

2004 operating income generated by Banking operations by region as follows:· · · · · · · Netherlands 5,372 mn Belgium 2,255 mn Rest of Europe 1,814 mn North America 1,039 mn Latin America 115 mn Asia 311 mn Australia 180 mn

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Operating return on equity by year as follows:· · · · · 2000 2001 2002 2003 2004 10.3% 15.3% 17.4% 21.5% 22.9%

BANKING & FINANCE

2004 profit contribution by business line as follows:· · · · · COMPETITORS Insurance Europe 22% Insurance Americas 22% Insurance Asia/Pacific 10% Wholesale Banking 25% Retail Banking 15%

· Citigroup Inc · Allianz Group · AXA · Marsh McLennan Companies Inc · Swiss Life Holding

BOARD OF DIRECTORS Cor Herkströter, Chairman Eric Bourdais de Charbonnière, Member Luella Gross Goldberg, Member Paul van der Heijden, Member Claus Dieter Hoffmann, Member Aad Jacobs, Member Wim Kok, Member Godfried van der Lugt, Member Paul Baron de Meester, Member Jan Timmer, Member Karel Vuursteen, Member EXECUTIVES Michel Tilmant, Chairman Cees Maas, Vice-Chairman & CFO Eric Boyer de la Giroday, Wholesale Banking Fred Hubbell, Insurance Americas and Insurance Netherlands Eli Leenaars, Retail Banking Hans Verkoren, ING Direct

SELECTED FINANCIAL DATA 31/12/01 '000 Operating income Profit before tax Profit after tax Total assets Shareholders' equity Earnings per share Dividends per share 66,385,000 4,962,000 4,577,000 705,000,000 22,000,000 2.37 0.97 31/12/02 '000 70,633,000 4,638,000 4,500,000 716,000,000 18,000,000 2.32 0.97 31/12/03 '000 64,746,000 5,857,000 4,043,000 779,000,000 21,000,000 2.00 0.97 31/12/04 '000 67,814,000 7,419,000 5,968,000 866,000,000 26,000,000 2.80 1.07

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BANKING & FINANCE

JPMorgan Chase & Co

JPMorgan Chase & Co 270 Parke Avenue New York, NY 10017 United States Tel: +1 212 270 6000 Fax: +1 212 270 2613 www.jpmorganchase.com Ticker Symbol: New York: JPM Date of Establishment: 1968 Number of Employees: 160,968 ACTIVITIES JPMorgan Chase & Co is a financial holding company with interests in the provision of banking and financial services. The Company uses the JPMorgan, JPMorgan Chase, Chase and Bank One brands to deliver different financial services. The Company operates through six segments:· · · · · · Investment Bank (JPMorgan brand) Retail Financial Services (Chase brand) Card Services (Chase brand) Commercial Banking (Chase brand) Treasury & Securities Services (JPMorgan brand) Asset & Wealth Management (JPMorgan brand) REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029 6712

Effective July 1, 2004, Bank One Corporation merged with and into JPMorgan Chase & Co. QUICK FACTS 2004 total net revenue by segment:· · · · · · Investment Bank $12,605 mn Retail Financial Services $10,791 mn Card Services $10,745 mn Commercial Banking $2,734 mn Treasury & Securities Services $4,857 mn Asset & Wealth Management $4,179 mn

2004 total net revenue by geographic region:· · · · · Europe/Middle East and Africa $6,566 mn Asia and Pacific $2,631 mn Latin America and the Caribbean $816 mn Other $112 mn United States $32,972 mn

Return on common equity by year:· · · · · 2000 2001 2002 2003 2004 16% 4% 4% 16% 6%

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COMPETITORS

BANKING & FINANCE

· Citigroup Inc · Bank of America Corporation · Merrill Lynch & Co Inc

BOARD OF DIRECTORS Hans W Becherer, Director John H Biggs, Director Lawrence A Bossidy, Director Stephen B Burke, Director James S Crown, Director James Dimon, President and Chief Operating Officer Ellen V Futter, Director William H Gray III, Director William B Harrison Jr, Chairman and Chief Executive Officer Laban P Jackson Jr, Director John W Kessler, Director Robert I Lipp, Director Richard A Manoogian, Director David C Novak, Director Lee R Raymond, Director William C Weldon, Director EXECUTIVES William B Harrison Jr, Chairman and Chief Executive Officer James Dimon, President and Chief Operating Officer Austin A Adams, Technology Paul Bateman, Asset Management Steven D Black, Investment Bank Philip F Bleser, Commercial Bank Douglas L Braunstein, Investment Bank William I Campbell, Card Services Naomi Camper, Co-Head of Federal Government Relations Michael J Cavanagh, Finance Michael K Clark, Institutional Trust & Investor Services John R Corrie, Investment Bank David A Coulter, West Coast Region William M Daley, Midwest Region Pierre Danon, Senior Advisor Klaus Diederichs, Investment Bank Ina R Drew, Chief Investment Officer Patrik L Edsparr, Investment Bank John J Farrell, Human Resources Walter A Gubert, EMEA Joan Guggenheimer, Legal Carlos M Hernandez, Investment Bank Frederick W Hill, Marketing & Communications Lorraine E Hricik, Treasury Services Fawzi Kyriakos-Saad, Investment Bank Rick Lazio, Executive Vice President of Global Government Relations and Public Policy James B Lee Jr, Investment Bank Robert I Lipp, Senior Advisor Steve MacLellan, Private Client Services Samuel Todd Maclin, Commercial Bank Jay Mandelbaum, Strategy Donald H McCree III, Risk William H McDavid, Legal Heidi Miller, Treasury & Securities Services R Ralph Parks, Asia Scott Powell, Head of Chase Auto and Student Finance and co-CEO of Home Finance David W Puth, Investment Bank Charles W Scharf, Retail Financial Services Richard J Srednicki, Card Services James E Staley, Asset & Wealth Management David Topper, Managing Director and Co-Head of Equity Capital Markets for the Americas Jeffrey C Walker, Private Equity Don M Wilson III, Risk Thomas L Wind, Home Finance William T Winters, Investment Bank Anthony J Horan, Secretary Mark I Kleinman, Treasury

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William J Moran, Audit Joseph L Sclafani, Controller BIOGRAPHIES WILLIAM B. HARRISON JR - CHAIRMAN AND CHIEF EXECUTIVE OFFICER

BANKING & FINANCE

Mr. Harrison has been Chairman and Chief Executive Officer since November 2001, and was President and Chief Executive Officer from December 2000 until July 2004. He was Chairman and Chief Executive Officer of The Chase Manhattan Corporation from January through its merger with J.P. Morgan & Co. Incorporated in December 2000 and President and Chief Executive Officer from June through December 1999, prior to which he had been Vice Chairman of the Board. He has been a director of the Firm or a predecessor institution since 1991. Mr. Harrison is also a director of Merck & Co., Inc. JAMES DIMON - PRESIDENT AND CHIEF OPERATING OFFICER Mr. Dimon has been President and Chief Operating Officer of JPMorgan Chase since July 2004. Prior to its merger with JPMorgan Chase he had been Chairman and Chief Executive Officer of Bank One Corporation from March 2000 until July 2004. Mr. Dimon was a private investor from November 1998 until March 2000; President of Citigroup Inc. and Chairman and Co-Chief Executive Officer of Salomon Smith Barney Holdings, Inc. from October 1998 until November 1998; President and Chief Operating Officer of Travelers Group, as well as executive positions with Travelers' subsidiaries Smith Barney, Inc. and Salomon Smith Barney Holdings, Inc., from November 1993 until October 1998. He has been a director of the Firm or a predecessor institution since 2000.

SELECTED FINANCIAL DATA 31/12/01 US$'000 Total net revenue Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share 29,344,000 2,566,000 1,694,000 693,575,000 40,090,000 US$0.83 US$1.36 31/12/02 US$'000 29,614,000 2,519,000 1,663,000 758,800,000 41,297,000 US$0.81 US$1.36 31/12/03 US$'000 33,384,000 10,028,000 6,719,000 770,912,000 45,145,000 US$3.32 US$1.36 31/12/04 US$'000 43,097,000 6,194,000 4,466,000 1,157,248,000 105,314,000 US$1.59 US$1.36

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BANKING & FINANCE

Kreditanstalt für Wiederaufbau

Kreditanstalt für Wiederaufbau Palmengartenstrasse 5-9 D-60325 Frankfurt Germany Tel: +49 69 7431 0 Fax: +49 69 7431 2944 [email protected] www.kfw.de Ticker Symbol: State-owned company Date of Establishment: 1948 Number of Employees: 3,697 ACTIVITIES Kreditanstalt für Wiederaufbau (KfW) provides regional development services including the promotion of SMEs and start-ups, global loan services, housing ,energy, municipal and conservation project financing, education financing, export and import financing and support and general funding activities. QUICK FACTS The Bank is 80% owned by the Federal Republic of Germany COMPETITORS REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029 6159 6163

· Dresdner Bank AG · Deutsche Bank AG · Bayerische Hypo- und Vereinsbank Aktiengesellschaft

BOARD OF DIRECTORS Hans Eichel, Chairman Wolfgang Clement, Deputy Chairman Dietrich Austermann, Director Dr Günter Baumann, Director Anton F Börner, Director Dr Ulrich Brixner, Director Rüdiger Dorn, Director Professor Dr Kurt Faltlhauser, Director Joschka Fischer, Director Dr Thomas R Fischer, Director Dr Rolf-Jürgen Freyberg, Director Professor Dr Hans-Günter Henneke, Director Dr Dietrich H Hoppenstedt, Director Bartholomäus Kalb, Director Roland Koch, Director Renate Künast, Director Waltraud Lehn, Director Professor Dr Wolfgang Methling, Director Dr Horst Metz, Director Hartmut Möllring, Director Margret Mönig-Raane, Director Klaus-Peter Müller, Director Stefan Ortseifen, Director Ronald Pofalla, Director Heinz Putzhammer, Director Christine Scheel, Director Hanns-Eberhard Schleyer, Director

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Michael Sommer, Director Gerhard Sonnleitner, Director Jörg-Otto Spiller, Director Ludwig Stiegler, Director Dr Manfred Stolpe, Director Erwin Teufel, Director Jürgen R Thumann, Director Jürgen Trittin, Director Heidemarie Wieczorek-Zeul, Director EXECUTIVES · BOARD OF MANAGING DIRECTORS Dr Peter Fleischer, Managing Director Dr Peter Klaus, Managing Director Wolfgang Kroh, Managing Director Detlef Leinberger, Managing Director Ingrid Matthäus-Maier, Managing Director Hans W Reich, Chairman Dr Bernd Schreiber, Information Systems/Data Processing Dr Jürge Schneider, Personnel Dr Volker Groß, Legal Affairs SELECTED FINANCIAL DATA 31/12/03 '000 Total income Income before taxes Total assets 12,240,000 5,294,000 312,808,000

BANKING & FINANCE

31/12/04 '000 12,080,763 604,000 327,841,048

LOCATIONS KfW Bankengruppe Berlin Branch Charlottenstrasse 33/33a D-10117 Berlin Tel: +49 30 20264-0 Fax: +49 30 20264-5188 KfW Bankengruppe Bonn Branch Ludwig-Erhard-Platz 1-3 53179 Bonn Tel: +49 228 831-0 KfW Liaison Office to the EU 50, Rue Wiertz 1050 Brussels Belgium Tel: +32 2 2 33 38 50 Fax: +32 2 2 33 38 59

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BANKING & FINANCE

Landesbank Baden-Württemberg

Landesbank Baden-Württemberg Am Hauptbahnhof 2 D-70173 Stuttgart Germany Tel: +49 711 127 0 Fax: +49 711 127 3278 [email protected] www.lbbw.de Ticker Symbol: State-owned company Date of Establishment: 1999 Number of Employees: 12,184 ACTIVITIES Landesbank Baden-Württemberg (LBBW) was formed through the merger of SüdwestLB, Landesgirokasse, and the commercial banking business of L-Bank on 1 January 1999. The Bank's history dates back to 1818 when Queen Katharina of Württemberg founded Württembergische Sparkasse. The Company provides banking and financial services. COMPETITORS REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021

· Bayerische Hypo- und Vereinsbank Aktiengesellschaft · Dresdner Bank AG · Deutsche Bank AG

BOARD OF DIRECTORS EXECUTIVES Dr Siegfried Jaschinski, Chairman of the Board of Managing Directors (in charge of Corporate Center, Group Strategy and Legal, Human Resources, Internal Auditing, Research, International Business) Michael Horn, Deputy Chairman of the Board of Managing Directors (in charge Savings Banks/Retail and Investment Clients, Central Bank Services for Savings Banks/Savings Banks Office, Backoffice Financial Markets, Retail and Investment Customers (BW-Bank), Retail and Investment Customers Stuttgart Region (BW-Bank)) Rudolf Zipf, Finance, Operations/IT, IT/Organisation, IT Financial Markets, Banking Operations, Administration, Accounting/Reporting System/Tax, Controlling Dr Bernhard Walter, Back Office, Riskmanagement Key Account/Real Estate/Structured Finance/Leverage Finance Wholesale/Credit Riskmanagement Hans-Joachim Strüder, Financial Markets, Capital Markets Trading and Sales, Capital Markets Investments, Equity, Treasury Joachim E Schielke, Corporate Customers, Target Group Management Corporate Customers/Authorities, Key Account/Structured, Finance/Leverage Finance, Real Estate, Corporate Customers Stuttgart (BW-Bank)

SELECTED FINANCIAL DATA 31/12/03 '000 Interest income Total income Net income Total assets 1,755,374 17,007,800 502,100 322,794,645 31/12/04 '000 1,820,991 16,707,900 366,000 339,808,394

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LOCATIONS · HEAD OFFICES · Stuttgart Landesbank Baden-Württemberg P. O. Box 10 60 49 D-70049 Stuttgart Am Hauptbahnhof 2 D-70173 Stuttgart Tel: +49 711/127­0 Fax: +49 711/127­32 78 www.LBBW.de [email protected] · Karlsruhe Landesbank Baden-Württemberg D-76245 Karlsruhe Schlossplatz 12 D-76131 Karlsruhe Tel: +49 7 21/12 02­0 Fax: +49 7 21/12 02­3012 www.LBBW.de [email protected] · Mannheim Landesbank Baden-Württemberg P. O. Box 10 03 52 D-68003 Mannheim Augustaanlage 33 D-68165 Mannheim Tel: +49 6 21/4 28­0 Fax: +49 6 21/4 28­25 91 www.LBBW.de [email protected] · SUBSIDIARIES AND JOINT COMPANIES · Baden-Württembergische Bank AG Kleiner Schlossplatz 11 D-70173 Stuttgart Tel: +49 711/180­0 Fax: +49 711/180­10 00 · LRP Landesbank Rheinland-Pfalz ­ Girozentrale ­ Grosse Bleiche 54­56 D-55098 Mainz Tel: +49 6131/13 01 Fax: +49 6131/27 24 www.lrp.de [email protected] · MKB Mittelrheinische Bank GmbH Ferdinand-Sauerbruch-Strasse 7 D-56073 Koblenz Tel: +49 2 61/94 33­0 Fax: +49 2 61/94 33­5 00 www.mkb-bank.de · MMV Leasing GmbH Ferdinand-Sauerbruch-Strasse 7 D-56073 Koblenz Tel: +49 2 61/94 33­0 Fax: +49 2 61/94 33­5 00 www.mmv-leasing.de · SüdBau Projektentwicklung und Baumanagement GmbH Obere Waldplätze 13 D-70569 Stuttgart Tel: +49 711/1317­2 53 Fax: +49 711/1317­101

BANKING & FINANCE

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· SüdFactoring GmbH P. O. Box 10 42 44 D-70037 Stuttgart Heilbronner Strasse 86 D-70191 Stuttgart Tel: +49 711/127­72 Fax: +49 711/29 78 87 www.suedfactoring.de · SüdKA SüdKapitalanlagegesellschaft mbH Schillerstrasse 27 D-60313 Frankfurt Tel: +49 69/2 99 75­10 Fax: +49 69/2 99 75­1619 www.suedka.de · SüdKB Süd-Kapitalbeteiligungs-Gesellschaft mbH P. O. Box 10 60 49 D-70049 Stuttgart Am Hauptbahnhof 2 D-70173 Stuttgart Tel: +49 711/127­70 67 Fax: +49 711/127­30 40 www.suedkb.de [email protected] · SüdKB Süd-Kapitalbeteiligungs-Gesellschaft mbH P. O. Box 10 03 52 D-68003 Mannheim Augustaanlage 33 D-68165 Mannheim Tel: +49 6 21/4 28­2156 Fax: +49 6 21/4 28­29 78 · SüdLeasing GmbH P. O. Box 10 42 54 D-70037 Stuttgart Am Hauptbahnhof 2 D-70173 Stuttgart Tel: +49 711/127­70 01 Fax: +49 711/127­70 02 www.suedleasing.de P. O. Box 10 04 64 D-68004 Mannheim Augustaanlage 33 D-68165 Mannheim Tel: +49 6 21/188­0 Fax: +49 6 21/188­2 82 · SüdLeasing Berlin GmbH Spreeufer 5 D-10178 Berlin Tel: +49 30/2 47 54­0 Fax: +49 30/2 47 54­14 89 · SüdLeasing Immobilien GmbH P. O. Box 10 03 52 D-68003 Mannheim Augustaanlage 33 D-68165 Mannheim Tel: +49 6 21/4 28­27 01 Fax: +49 6 21/4 28­27 24 P. O. Box 10 60 49 D-70049 Stuttgart Am Hauptbahnhof 2 D-70173 Stuttgart Tel: +49 711/127­7512 Fax: +49 711/127­77 89

BANKING & FINANCE

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· Süd Private Equity GmbH & Co. KGaA Friedrichstrasse 24 D-70174 Stuttgart Tel: +49 711/124­9812 Fax: +49 711/124­96 36 · SÜD VENTURE CAPITAL INVESTITION GMBH & CO. KG D-70144 Stuttgart Friedrichstrasse 24 D-70174 Stuttgart Tel: +49 711/124­98 54 Fax: +49 711/124­98 55 www.suedvc.de · SüdWERT Wohnungsprivatisierungsgesellschaft mbH Berliner Strasse 19 D-74321 Bietigheim-Bissingen Tel: +49 7142/9 8919­0 Fax: +49 7142/9 8919­4 02 www.suedwert.de · OFFICES ABROAD · Amsterdam Baden-Württemberg L­Finance N.V. Marktlaan 1­ 3 NL­2134 DL Hoofddorp Tel: +31 23 5626372 Fax: +31 23 5578506 [email protected] · Barcelona LBBW Barcelona Representative Office Calle Tuset N 5­11, 3 B E­08006 Barcelona Tel: +34 93 2 0167 00 Fax: +34 93 2016475 [email protected] · Beijing LBBW Beijing Representative Office German Centre Beijing Unit 1130, Landmark Tower 2 8, North Dongsanhuan Road Chaoyang District 100004 Beijing People's Republic of China Tel: +86 10 65 90 0166 Fax: +86 10 65907758 [email protected] · Budapest LBBW Budapest Representative Office Office Building "Gerbeaud" Vörösmarty tér 7­ 8/I.e. H-1052 Budapest Tel: +361 2 508357 Fax: +361 2 508360 [email protected] · Hanoi LBBW Hanoi Representative Office Binh Minh Hotel Room 302, 3rd Floor 27, Ly Thai To Street Hanoi/Vietnam Tel: +84 4 8 24 2154 Fax: +84 4 8242153

BANKING & FINANCE

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[email protected] · London LBBW London Branch City Point 1, Ropemaker Street GB­London EC2Y 9LW Tel: +44 20 7826 8000 Fax: +44 20 7826 8090 [email protected] London Landesbank Baden-Württemberg Capital Markets PLC City Point 1, Ropemaker Street GB­London EC2Y 9LW Tel: +44 20 7826 8000 Fax: +44 20 7826 8090 [email protected] · Madrid LBBW Madrid Representative Office c/o la Caixa José Abascal, 58 E­28003 Madrid Pho ne +34 91 399 4772 Fax: +34 91 399 4772 [email protected] · Mexico City LBBW Mexico City Representative Office "Centro Alemán" Av. Santa Fé N 170/01­02­08 Lomas de Santa Fé 01210 Mexico, D.F. Mexico Tel: +52 55 9172 92 60/61/62 Fax: +52 55 91729263 [email protected] · Milan LBBW Milan Representative Office Via Nirone 10 I­20123 Milano Tel: +39 2 87 38 47 00 Fax: +39 2 87 38 47 05 [email protected] · Mumbai LBBW Mumbai Representative Office 920, Maker Chamber V Nariman Point Mumbai 400021 India Tel: +91 22 22 8199 41/42 Fax: +91 22 22 8199 39 [email protected] · New York LBBW New York Branch 280 Park Avenue 31st Floor, West Building New York New York 10017 U.S. A. Tel: +1 212 584 1700 Fax: +1212 584 1799 [email protected]

BANKING & FINANCE

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· Paris LBBW Paris Representative Office 15, Rue du Louvre F­75001 Paris Tel: +33 1 5534 3160 Fax: +33 1 55343161 [email protected] · Prague LBBW Prague Representative Office Na Prikope 9­11 CZ­110 00 Praha 1 Pho ne +420 2 24236276 Fax: +420 2 24235468 [email protected] · São Paulo LBBW São Paulo Representative Office Av. Nove de Julho, 5519­11 andar 01407­200 Itaim-Bibi/São Paulo Brazil Tel: +55 11 3704 7010 Fax: +55 11 3098 6459 [email protected] · Shanghai LBBW Shanghai Representative Office Unit 2312, 23rd Floor, POS Plaza 1600, Century Avenue Shanghai 200122 China Tel: +86 21 5081 6002 Fax: +86 21 5081 6663 [email protected] · Singapore LBBW Singapore Branch 25 International Business Park # 01­72 German Centre 609916 Singapore Singapore Tel: +65 65 6277 22 Fax: +65 65 6277 29 www.LBBWsg.com [email protected] · Tokyo LBBW Tokyo Representative Office The Imperial Tower 10F 1­1­1 Uchisaiwaicho, Chiyoda­ku Tokyo 100­0011 Tel: +81 3 5156 0871 Fax: +81 3 5156 0872 [email protected] · Vienna LBBW Vienna Representative Office Seilergasse 6/7 A­1010 Wien Tel: +43 1 513 202211 Fax: +43 1 513 202213 [email protected]

BANKING & FINANCE

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· Warsaw LBBW Warsaw Representative Office ul. Lucka 20/15 PL­00-845 Warszawa Tel: +48 22 6 5416 89 Fax: +48 226541688 [email protected] · Zurich LBBW Zurich Representative Office c/o Zürcher Kantonalbank International Banking Josefstrasse 222 CH-8005 Zürich Tel: +41 43 205 2617 Fax: +41 43 205 2618 [email protected]

BANKING & FINANCE

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BANKING & FINANCE

Lehman Brothers Holdings Inc

Lehman Brothers Holdings Inc 745 Seventh Ave New York, NY 10019 United States Tel: +1 212 526 7000 Fax: +1 212 526 8766 www.lehman.com Ticker Symbol: New York: LEH Date of Establishment: 1850 Number of Employees: 19,579 ACTIVITIES Lehman Brothers Holdings Inc provides investment banking and financial services. The Company operates in three segments:· Investment Banking: provision of advice to corporate, institutional and government clients throughout the world on mergers, acquisitions and other financial matters. · Capital Markets: provision of institutional customer flow activities, research and secondary-trading and financing activities in fixed income and equity products. · Client Services: provision of Private Client and Asset Management business services. QUICK FACTS 2004 vs. 2003 total net revenues by segment:· Investment Banking $2,188 mn vs. $1,722 mn · Capital Markets $7,694 mn vs. $6,018 mn · Client Services $1,694 mn vs. $907 mn 2004 vs. 2003 total net revenues by geographic region:· Europe $2,104 mn vs. $1,864 mn · Asia Pacific $1,247 mn vs. $875 mn · United States $11,576 mn vs. $5,908 mn Return on equity by year:· · · · · COMPETITORS 2000 2001 2002 2003 2004 26.6% 15.9% 11.2% 18.2% 24.7% REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029 6712

· Morgan Stanley · The Goldman Sachs Group Inc · Merrill Lynch & Co Inc

BOARD OF DIRECTORS Richard S Fuld Jr, Chairman and CEO Michael L Ainslie, Director John F Akers, Director

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Roger S Berlind, Director Thomas H Cruikshank, Director Marsha Johnson Evans, Director Sir Christopher Gent, Director Henry Kaufman, Director John D Macomber, Director Dina Merrill, Director EXECUTIVES Richard S Fuld Jr, Chairman and Chief Executive Officer Jonathan Beyman, Chief of Operations and Technology Jasjit S Bhattal, Chief Executive Officer, Asia David Goldfarb, Chief Administrative Officer Joseph M Gregory, President and Chief Operating Officer Jeremy M Isaacs, Chief Executive Officer, Europe & Asia Bradley H Jack, Office of the Chairman Theodore P Janulis, Global Head of Investment Management Stephen M Lessing, Head of Client Relationship Management Herbert H McDade III, Head of Global Fixed Income Hugh E McGee III, Global Head of Investment Banking Roger B Nagioff, Chief Operating Officer, Europe Christopher O'Meara, Chief Financial Officer Thomas A Russo, Vice Chairman/Chief Legal Officer Robert S Shafir, Head of Global Equities BIOGRAPHIES RICHARD S. FULD JR - CHAIRMAN AND CHIEF EXECUTIVE OFFICER

BANKING & FINANCE

Richard S. Fuld, Jr., 58, has been chairman of the Board of Directors of Lehman Brothers Holdings Inc. since 1994 and chief executive officer of the Company since 1993. He is chairman of Lehman Brothers' Executive Committee. Mr. Fuld was president and chief operating officer from 1993 to 1994. He was president and co-chief executive officer of the Lehman Brothers Division of Shearson Lehman Brothers Inc. from 1990 to 1993. Mr. Fuld was a vice chairman of Shearson Lehman Brothers from 1984 until 1990. He has been a director of Lehman Brothers Inc. since 1984 and a director of Lehman Brothers Holdings Inc. since 1990. He joined Lehman Brothers in 1969. Mr. Fuld is a member of the Executive Committee of the Partnership for New York City, the Business Roundtable and the Business Council. He is a trustee of the Mt. Sinai Medical Center and the Mt. Sinai Children's Center Foundation. In addition, he serves on the Board of Directors of Ronald McDonald House of New York and the Board of Trustees of Middlebury College. Mr. Fuld received his B.A. from the University of Colorado and his M.B.A. from the New York University Stern School of Business. JONATHAN BEYMAN - CHIEF OF OPERATIONS AND TECHNOLOGY Jonathan Beyman, 48, is executive vice president of Lehman Brothers Holdings Inc. and the chief of Operations and Technology, a position he has held since 2002. In this capacity, Mr. Beyman manages a global staff of 3,000 professionals who support the Firm's global information and technology needs, and the daily processing, settlement, clearance and control of the Firm's Capital Markets activities. In addition, he has been the Firm's chief information officer since 2000. Mr. Beyman re-joined the Firm in 1999 as U.S. head of Operations, after serving as chief information officer of Cendant Corporation, and as chief operating officer of Cendant's Internet-based businesses. Previously, he was with Lehman Brothers for eight years in a variety of technology and operations senior management roles. Mr. Beyman is a member of the Board of Directors of the Depository Trust and Clearing Corporation. Mr. Beyman received his B.S. from the University of Connecticut and his M.B.A. from Cornell University. JASJIT S. BHATTAL - CHIEF EXECUTIVE OFFICER, ASIA Jasjit S. Bhattal, 47, is chief executive officer of Lehman Brothers Asia, at Lehman Brothers Holdings Inc. Based in Tokyo, he is responsible for the strategic development and continued expansion of the Firm's investment banking and capital markets businesses in Asia. He is a member of Lehman Brothers' Executive Committee. Mr. Bhattal joined Lehman Brothers' Hong Kong office in 1993 after working at Merrill Lynch in a variety of senior investment banking positions in New York and London. Upon arriving at Lehman Brothers, Mr. Bhattal served as head of Asia Equity Capital Markets from 1993 to 1995, deputy head of Asia Investment Banking from 1995 to 1997, and head of Asia Investment Banking from 1998 to 2000. In 1999, Mr. Bhattal was appointed to become the Firm's Hong Kong-based chairman of the Asia Pacific region, with responsibility for managing Lehman Brothers' investment banking franchise in Tokyo, Hong Kong, Seoul, Singapore, Bangkok, Beijing and Taipei. Mr. Bhattal was appointed to his current position as chief executive officer, Asia, in July 2000. Mr. Bhattal received an Honors and Masters degree in economics from Oxford University as a Rhodes Scholar.

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JOSEPH M. GREGORY - PRESIDENT AND CHIEF OPERATING OFFICER

BANKING & FINANCE

Joseph M. Gregory, 52, is president and chief operating officer of Lehman Brothers Holdings Inc. He is a member of Lehman Brothers' Executive Committee. Mr. Gregory joined Lehman Brothers in 1974. In his 30 years with the Firm, he has held a number of senior management positions, including head of Lehman Brothers' Global Equities Division, co-head of the Firm's Fixed Income Division, and chief administrative officer. He is a member of the Board of Trustees of The Millbrook School, and is a member of the Board of Directors of The Posse Foundation, Inc. Mr. Gregory received his B.A. from Hofstra University. JEREMY M. ISAACS - CHIEF EXECUTIVE OFFICER, EUROPE & ASIA Jeremy M. Isaacs, 40, is chief executive officer for Lehman Brothers Europe & Asia, at Lehman Brothers Holdings Inc. He is a member of Lehman Brothers' Executive Committee. Mr. Isaacs joined the Firm in 1996 as co-chief operating officer of European Equities and later that year became head of the Firm's global equity derivative activities. In 1997, he additionally became head of the Firm's overall equities activities in Europe. In March 1999, he was appointed chief operating officer of European activities and in December 1999, became chief executive of the Firm's European activities. Mr. Isaacs has also been the head of the Firm's Asian operations since April 2000. Prior to joining Lehman Brothers, Mr. Isaacs was an executive director at Goldman Sachs, a firm he joined in 1989. He has also served as a director on the advisory board of Electronic Data Systems Corporation (Europe, Middle East and Asia region) since December 2001. In December 2003, Mr. Isaacs was appointed a non-executive director of St. Mary's NHS Trust, an internationally recognized center of excellence for medical research, teaching and treatment. SELECTED FINANCIAL DATA 30/11/01 US$'000 Total revenues Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share 22,392,000 1,748,000 1,161,000 247,816,000 8,459,000 US$4.77 US$0.28 30/11/02 US$'000 16,781,000 1,399,000 906,000 260,336,000 8,942,000 US$3.69 US$0.36 30/11/03 US$'000 17,287,000 2,536,000 1,649,000 312,061,000 13,174,000 US$6.71 US$0.48 30/11/04 US$'000 21,250,000 3,518,000 2,297,000 357,168,000 14,920,000 US$8.36 US$0.64

LOCATIONS · NEW YORK World Headquarters 745 Seventh Ave. New York, NY 10019 USA Tel: +1 212 526 7000 · LONDON European Headquarters 25 Bank Street London E145LE United Kingdom Tel: +44 20 7102 1000 · TOKYO Asia-Pacific Headquarters Roppongi Hills Mori Tower 31st Floor 6-10-1 Roppongi Minato-ku, Tokyo 106-6131 Japan Tel: +81 3 6440 3000

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BANKING & FINANCE

Lloyds TSB Group Plc

Lloyds TSB Group Plc 25 Gresham Street London EC2V 7HN United Kingdom Tel: +44 20 7626 1500 Fax: +44 20 7489 3484 www.lloydstsb.com Ticker Symbol: New York: LYG Date of Establishment: 1995 Number of Employees: 70,000 ACTIVITIES Formed through the merger between TSB and Lloyds Bank to create Lloyds TSB Group plc in 1995. Lloyds TSB Group Plc provides banking and financial services. The Company's activities are divided into 3 businesses:· UK Retail Banking: banking, financial services, mortgages and private banking to approximately 15 mn personal customers in the UK. · Insurance and Investments: life assurance, investment and pension products, general insurance and fund management services. · Wholesale and International Banking: banking and related services for major UK and multinational corporate and financial institutions. QUICK FACTS 2004 vs. 2003 total income by business:· UK Retail Banking £4,837 mn vs. £4,670 mn · Insurance and Investments £1,269 mn vs. £1,062 mn · Wholesale and International Banking £3,607 mn vs. £3,346 mn The Bank's operations are carried out in the UK through approximately the 2,200 branches of Lloyds TSB Bank, Lloyds TSB Scotland plc and Cheltenham & Gloucester plc as at the end of 2004 COMPETITORS REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021 6029

· Barclays plc · HSBC Holding plc · Abbey plc · HBOS plc

BOARD OF DIRECTORS Maarten A van den Bergh, Chairman Wolfgang C G Berndt, Non-Executive Director Ewan Brown, Non-Executive Director Jan du Plessis, Non-Executive Director Gavin J N Gemmell, Non-Executive Director Sir Julian Horn-Smith, Non-Executive Director DeAnne S Julius, Non-Executive Director Angela A Knight, Non-Executive Director J Eric Daniels, Group Chief Executive Michael E Fairey, Deputy Group Chief Executive

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Terri A Dial, Group Executive Director, UK Retail Banking Archie G Kane, Group Executive Director, Insurance and Investments G Truett Tate, Group Executive Director, Wholesale & International Banking Helen A Weir, Group Finance Director EXECUTIVES J Eric Daniels, Group Chief Executive Michael E Fairey, Deputy Group Chief Executive Terri A Dial, Group Executive Director, UK Retail Banking Archie G Kane, Group Executive Director, Insurance and Investments G Truett Tate, Group Executive Director, Wholesale & International Banking Helen A Weir, Group Finance Director BIOGRAPHIES ERIC DANIELS, GROUP CHIEF EXECUTIVE

BANKING & FINANCE

Joined the board in 2001 as group executive director, UK retail banking before his appointment as group chief executive in June 2003. Served with Citibank from 1975 and held a number of senior and general management appointments in the USA, South America and Europe before becoming chief operating officer of Citibank Consumer Bank in 1998. Following the Citibank/Travelers merger in 1998, he was chairman and CEO of Travelers Life and Annuity until 2000. Chairman and CEO of Zona Financiera from 2000 to 2001. MICHAEL E FAIREY, DEPUTY GROUP CHIEF EXECUTIVE Joined TSB Group in 1991 and held a number of senior and general management appointments before being appointed to the board in 1997 and deputy group chief executive in 1998. Joined Barclays Bank in 1967 and held a number of senior and general management appointments, including managing director of Barclays Direct Lending Services from 1990 to 1991. HELEN WEIR, GROUP FINANCE DIRECTOR Joined the board on 26 April 2004. Group finance director of Kingfisher from 2000 to 2004. Previously finance director of B&Q from 1997, having joined that company in 1995. Held a senior position at McKinsey & Co from 1990 to 1995 having begun her career at Unilever in 1985. A non-executive director of The City of London Investment Trust. TERRI DIAL, GROUP EXECUTIVE DIRECTOR, UK RETAIL BANKING Joined the board on 1 June 2005. Spent over 28 years at Wells Fargo in the US, most recently as Group Executive Vice President and member of the management committee of Wells Fargo & Co, and President and CEO of Wells Fargo Bank. Since retiring from Wells Fargo in 2001 she has held a portfolio of directorships with small cap technology companies including Chairman of LookSmart Corporation and Lead Director of Onyx Software. Age 55. G TRUETT TATE, GROUP EXECUTIVE DIRECTOR, WHOLESALE & INTERNATIONAL BANKING Joined the group in 2003 as Managing Director, Corporate Banking, before being appointed to the board in 2004. Served with Citigroup from 1972 to 1999, where he held a number of senior and general management appointments in the USA, South America, Asia and Europe. He was president and CEO of eCharge Corporation from 1999 to 2001 and co-founder and vice chairman of the board of Chase Cost Management Inc from 1996 to 2003. SELECTED FINANCIAL DATA 31/12/01 £'000 Total income Profit before tax Profit after tax Shareholders' equity Total assets Earnings per share Dividends per share 8,888,000 3,167,000 2,290,000 10,356,000 235,793,000 40.4.p 33.7p 31/12/02 £'000 8,887,000 2,618,000 1,852,000 7,943,000 252,561,000 32.1p 34.2p 31/12/03 £'000 9,908,000 4,348,000 3,323,000 9,624,000 252,012,000 58.3p 34.2p 31/12/04 £'000 9,567,000 3,493,000 2,489,000 9,977,000 279,843,000 43.3p 34.2p

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BANKING & FINANCE

Mitsubishi Tokyo Financial Group Inc

Mitsubishi Tokyo Financial Group Inc 2-4-1 Marunouchi Chiyoda-ku Tokyo 100-6326 Japan Tel: +81 3 3240 8111 Fax: +81 3 3240 8203 www.mtfg.co.jp Ticker Symbol: Tokyo: 8306. New York: MTF Date of Establishment: 2001 Number of Employees: 43,600 ACTIVITIES Mitsubishi Tokyo Financial Group Inc provides banking and financial services. Established in 2001, the Company operates through its two principal subsidiaries The Bank of Tokyo-Mitusbishi Ltd (BTM) and The Mitsubishi Trust and Banking Corporation (Mitsubishi Trust). These 2 subsidiaries are also the principal segments of the Company. BTM is further organised into business units as follows:· · · · · · · · Retail Banking Commercial Banking Global Corporate Banking Investment Banking and Asset Management UNBC Operations Services Treasury Mitsubishi Securities REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021 6029 6719

Mitsubishi Trust is further organised into business units as follows:· · · · Trust-Banking Trust Assets Real Estate Global Markets

Mitsubishi Tokyo Financial Group and UFJ Holdings have been integrated into Mitsubishi UFJ Financial Group on October 1, 2005. QUICK FACTS 2004 total revenue by business unit within the BTM segment as follows:· · · · · · · · Retail Banking ¥302,890 mn Commercial Banking ¥297,665 mn Global Corporate Banking ¥246,352 mn Investment Banking and Asset Management ¥114,807 mn UNBC ¥253,456 mn Operations Services ¥23,400 mn Treasury ¥1,174 mn Mitsubishi Securities ¥140,621 mn

2004 total revenue by business unit within the Mitsubishi Trust segment as follows:· · · · Trust-Banking ¥124,879 mn Trust Assets ¥37.977 mn Real Estate ¥16,231 mn Global Markets ¥145,697 mn

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2004 total revenue by geographic region as follows:· · · · · Japan ¥1,650.7 bn United States ¥575.1 bn Europe ¥277.2 bn Asia/Oceania excluding Japan ¥78.1 bn Other areas* ¥147.5 bn

BANKING & FINANCE

* Other areas primarily include Canada, Latin America and the Caribbean Bank of Tokyo-Mitsubishi's network includes 248 branches, 19 sub-branches, 57 loan plazas, 490 branch ATMs and 16,639 convenience store-based, non-exclusive ATMs 2004 total assets by geographic region as follows:· · · · · Japan ¥79,655,825 mn United States ¥12,585,539 mn Europe ¥6,141,837 mn Asia/Oceania excluding Japan ¥3,015,463 mn Other areas* ¥2,302,463 mn

* Other areas primarily include Canada, Latin America and the Caribbean COMPETITORS

· Mizuho Financial Group Inc · UFJ Holdings Inc · Sumitomo Mitsui Financial Group Inc

BOARD OF DIRECTORS MITSUBISHI TOKYO FINANCIAL GROUP INC Haruya Uehara, Chairman Nobuo Kuroyanagi, President and CEO Tatsunori Imagawa, Deputy President · Senior Managing Directors: Asataro Miyake Hajime Sugizaki · Directors Shigemitsu Miki, Director Akio Utsumi, Director Tetsuo Iwata, Director Kinya Okauchi, Director Ryotaro Kaneko, Director Takuma Otoshi, Director · Managing Officers Katsunori Nagayasu Ryuichi Murata Toshio Goto Yoshihiro Watanabe Noriaki Hanamizu Shinichi Ono Fumiyuki Akikusa · Executive Officers Izumi Tamai Hajime Mita Junichi Ito Yukio Muro Masami Mizuno Tetsuya Wada Masaaki Tanaka Takashi Kimura Kazuhiko Hasegawa Norio Kuroiwa Tatsuo Taki

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THE BANK OF TOKYO-MITSUBISHI LTD Shigemitsu Miki, Chairman Nobuo Kuroyanagi, President · Deputy Presidents Takahiro Moriguchi Naotaka Obata Masayuki Tanaka Norimichi Kanari Yoshihiro Watanabe Katsunori Nagayasu Ryuichi Murata Yoshinobu Onishi Fumiyuki Akikusa Tetsuo Iwata Toshihiro Kashizawa · Director Hajime Sugizaki, Director · Managing Directors Ichiro Terato Shota Yasuda Kyota Ohmori Tadashi Yanagisawa Saburo Sano Izumi Tamai Tatsuo Tanaka Akira Tomioka Toshiro Toyoizumi · Directors Ryusaburo Harasawa Nobuyuki Hirano Akira Naito Yuichi Shono Kazuhiko Hasegawa Junichi Ito Masami Mizuno Takashi Morimura Jun Sato Norio Kuroiwa Yukiharu Kiho Akihiko Minato Takashi Nagaoka Hiroshi Nakamura Tetsuya Wada Takehiko Nemoto Takashi Nishida Toshiaki Arai Takashi Kimura Michitaka Mukouhara Atsushi Nakaishi Minoru Shimada Masaaki Tanaka THE MITSUBISHI TRUST AND BANKING CORPORATION Akio Utsumi, Chairman Haruya Uehara, President Yuji Ohashi, Deputy President · Senior Managing Directors Shunichi Tokuda Toshio Koyama Noriaki Hanamizu · Managing Directors Shinichi Ono Koji Kaihotsu Kinya Okauchi Yuji Suzuki Atsushi Inuzuka

BANKING & FINANCE

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Tadashi Takahashi Toshio Goto · Director Asataro Miyake · Managing Director: Yuji Matsuda · Directors Hiroshi Saito Hiroshi Ida Hajime Mita Shingo Asakura Hiroaki Haruta Yukio Muro Takashi Kanagami Shigeru Tsuburaya Kazuaki Kido Tatsuo Taki Yoshiyasu Ito Katsuyuki Suwa Jun Noguchi Toshiaki Kajiura Taihei Yuki Tatsuo Wakabayashi EXECUTIVES MITSUBISHI TOKYO FINANCIAL GROUP INC Haruya Uehara, Chairman Nobuo Kuroyanagi, President and CEO Tatsunori Imagawa, Deputy President · Senior Managing Directors: Asataro Miyake Hajime Sugizaki · Directors Shigemitsu Miki, Director Akio Utsumi, Director Tetsuo Iwata, Director Kinya Okauchi, Director Ryotaro Kaneko, Director Takuma Otoshi, Director · Managing Officers Katsunori Nagayasu Ryuichi Murata Toshio Goto Yoshihiro Watanabe Noriaki Hanamizu Shinichi Ono Fumiyuki Akikusa · Executive Officers Izumi Tamai Hajime Mita Junichi Ito Yukio Muro Masami Mizuno Tetsuya Wada Masaaki Tanaka Takashi Kimura Kazuhiko Hasegawa Norio Kuroiwa Tatsuo Taki

BANKING & FINANCE

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THE BANK OF TOKYO-MITSUBISHI LTD Shigemitsu Miki, Chairman Nobuo Kuroyanagi, President · Deputy Presidents Takahiro Moriguchi Naotaka Obata Masayuki Tanaka Norimichi Kanari Yoshihiro Watanabe Katsunori Nagayasu Ryuichi Murata Yoshinobu Onishi Fumiyuki Akikusa Tetsuo Iwata Toshihiro Kashizawa · Director Hajime Sugizaki, Director · Managing Directors Ichiro Terato Shota Yasuda Kyota Ohmori Tadashi Yanagisawa Saburo Sano Izumi Tamai Tatsuo Tanaka Akira Tomioka Toshiro Toyoizumi · Directors Ryusaburo Harasawa Nobuyuki Hirano Akira Naito Yuichi Shono Kazuhiko Hasegawa Junichi Ito Masami Mizuno Takashi Morimura Jun Sato Norio Kuroiwa Yukiharu Kiho Akihiko Minato Takashi Nagaoka Hiroshi Nakamura Tetsuya Wada Takehiko Nemoto Takashi Nishida Toshiaki Arai Takashi Kimura Michitaka Mukouhara Atsushi Nakaishi Minoru Shimada Masaaki Tanaka THE MITSUBISHI TRUST AND BANKING CORPORATION Akio Utsumi, Chairman Haruya Uehara, President Yuji Ohashi, Deputy President · Senior Managing Directors Shunichi Tokuda Toshio Koyama Noriaki Hanamizu · Managing Directors Shinichi Ono Koji Kaihotsu Kinya Okauchi Yuji Suzuki Atsushi Inuzuka

BANKING & FINANCE

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Tadashi Takahashi Toshio Goto · Director Asataro Miyake · Managing Director: Yuji Matsuda · Directors Hiroshi Saito Hiroshi Ida Hajime Mita Shingo Asakura Hiroaki Haruta Yukio Muro Takashi Kanagami Shigeru Tsuburaya Kazuaki Kido Tatsuo Taki Yoshiyasu Ito Katsuyuki Suwa Jun Noguchi Toshiaki Kajiura Taihei Yuki Tatsuo Wakabayashi SELECTED FINANCIAL DATA 31/3/02 ¥'000,000 Total revenue Income (loss) before taxes Net (loss) income Shareholders' equity Total assets Earnings (loss) per share Dividends per share ANALYST COVERAGE Deutsche Securities Limited ING Securities(Japan)Limited Goldman Sachs (Japan) Ltd Morgan Stanley Dean Witter Japan Limited Ichiyoshi Research Institute Inc BNP Paribas Securities (Japan) Limited Mizuho Securities Co Ltd The Nomura Securities Co Ltd HSBC Securities (Japan) Limited JP Morgan Securities Asia PtcLimited Nikko Citigroup Limited UBS Securities Japan Limited Lehman Brothers Japan Inc Daiwa Institute of Research Ltd Merrill Lynch Japan Securities Co Ltd 2,375,463 (322,517) (216,534) 2,626,497 94,365,114 (¥41,011.91) ¥4,127.63 31/3/03 ¥'000,000 2,422,572 262,924 203,288 2,552,937 96,531,713 ¥29.459.67 ¥8,255.25 31/3/04 ¥'000,000 2,728,593 1,180,148 822,249 3,846,952 103,701,080 ¥128,323.13 ¥8,255.25

BANKING & FINANCE

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BANKING & FINANCE

Mizuho Financial Group Inc

Mizuho Financial Group Inc Marunouchi Center Building 1-1 Marunouchi Chiyoda-ku Tokyo 100-0005 Japan Tel: +81 3 5224 1111 Fax: +81 3 5224 1055 www.mizuho-fg.co.jp Ticker Symbol: Tokyo: 8411 Date of Establishment: 2003 Number of Employees: 22,827 ACTIVITIES Mizuho Financial Group Inc is the parent company to Mizuho Corporate Bank Ltd, Mizuho Bank Ltd, Mizuho Trust & Banking Co Ltd and Mizuho Securities Co Ltd. The Group provides banking and financial services. COMPETITORS REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6282 6172

· UFJ Holdings Inc · Mitsubishi Tokyo Financial Group Inc · Sumitomo Mitsui Financial Group Inc

BOARD OF DIRECTORS Terunobu Maeda, President & CEO Shunichi Asada, Deputy President Satoru Nishibori, Managing Director Tetsuji Kosaki, Managing Director Hiroshi Saito, Director Seiji Sugiyama, Director Yoshiharu Fukuhara, Director Mitsuo Ohashi, Director Glen S Fukushima, Director Yoshiaki Sugita, Corporate Auditor Junichi Iwabuchi, Corporate Auditor Yukio Nozaki, Corporate Auditor Masahiko Kadotani, Corporate Auditor Toshiaki Hasegawa, Corporate Auditor EXECUTIVES Terunobu Maeda, President & CEO Shunichi Asada, Deputy President Satoru Nishibori, Managing Director Tetsuji Kosaki, Managing Director Masayuki Saito, Managing Executive Officer Hiroshi Kiyama, Executive Officer Yoshiaki Ohashi, Executive Officer Tetsuro Sugiura, Executive Officer

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SELECTED FINANCIAL DATA 31/3/03 ¥'000,000 Total income Income (loss) before taxes Net (loss) income Shareholders' equity Total assets Earnings (loss) per share Dividends per share 3,441,810 (2,262,172) (2,377,172) 2,861,066 134,032,747 (¥254,524.65) 31/3/04 ¥'000,000 3,342,957 881,240 406,982 3,644,396 137,750,091 ¥36,153.27 ¥3,000

BANKING & FINANCE

31/3/05 ¥'000,000 3,455,653 943,059 627,383 3,905,726 143,076,236 ¥54,625.61 ¥3,500

LOCATIONS · Mizuho Financial Group Inc 1-5-5, Otemachi Chiyoda-ku Tokyo 100-0004 Japan Tel: +81 3 5224-1111 · Mizuho Corporate Bank Ltd 1-3-3, Marunouchi Chiyoda-ku Tokyo 100-8210 Japan Tel: +81 3 3214-1111 · Mizuho Bank Ltd 1-1-5, Uchisaiwaicho Chiyoda-ku Tokyo 100-0011 Japan Tel: +81 3 3596-1111 · Mizuho Trust & Banking Co Ltd 1-2-1, Yaesu Chuo-ku Tokyo 103-8670 Japan Tel: +81 3 3278-8111 · Mizuho Securities Co Ltd Otemachi First Square 1-5-1, Otemachi Chiyoda-ku Tokyo 100-0004 Japan Tel: +81 3 5208-3210 ASIA AND OCEANIA · China Beijing Branch 8th Floor Chang-Fu-Gong Office Building Jia 26 Jianguomenwai Street Chaoyang District Beijing 100022 China Tel: +86-10-6525-1888 Dalian Branch 6th Floor Senmao Building Zhongshan Road 147 Xigang District Dalian 116011 China Tel: +86-411-8360-2543

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Shanghai Branch 25th Floor HSBC TOWER 101 Yin Cheng East Road Pudong New Area Shanghai 200120 China Tel: +86-21-6841-0001 Shenzhen Branch 21st Floor Shenzhen International Financial Building Jian She Lu Shenzhen Guangdong Province 518001 China Tel: +86-755-8222-1918 Guangzhou Representative Office 12th Floor Garden Tower 368 Huanshi Dong Lu Guangzhou 510064 China Tel: +86-20-8385-8000 Nanjing Representative Office Room 801 Nanjing Grand Hotel 208 Guangzhou Road Nanjing Jiangsu Province 210024 China Tel: +86-25-8332-9379 Tianjin Representative Office Room 2202 Tianjin International Building 75 Nanjing Road Tianjin 300050 China Tel: +86-22-2330-5448 Wuhan Representative Office Room 411 Shangri-la Hotel 700 Jian She Dadao Wuhan 430015 China Tel: +86-27-8578-1155 Xiamen Representative Office Room 2102 The Bank Center No.189 Xiahe Road Xiamen Fujian 361003 China Tel: +86-592-239-5571 · Hong Kong Hong Kong Branch 17th Floor Two Pacific Place 88 Queensway Hong Kong Tel: +852-2103-3000

BANKING & FINANCE

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Mizuho Capital Markets (HK) Limited 16th Floor Two Pacific Place 88 Queensway Hong Kong Tel: +852-2537-3815 Mizuho Securities Asia Limited 901-907 Level 9 CITIC Tower 1 Tim Mei Avenue Central Hong Kong Tel: +852-2685-2000 · India Mumbai Branch Maker Chamber III 1st Floor Jamnalal Bajaj Road Nariman Point Mumbai 400021 India Tel: +91-22-2288-6638 New Delhi Representative Office DBS Business Centre 1st Floor World Trade Tower Barakhamba Lane New Delhi 110 001 India Tel: +91-11-2341-2190 · Indonesia PT. Bank Mizuho Indonesia Plaza Bll Menara 2 24th Floor JL. M.H. Thamrin No. 51 Jakarta 10350 Indonesia Tel: +62-21-392-5222 · Korea Seoul Branch 8th Floor Seoul City Tower 581 Namdaemunro 5-ka Chung-ku Seoul Korea Tel: +822-3782-8500 · Malaysia Labuan Branch Level 9 (B) & (C) Main Office Tower Financial Park Labuan Jalan Merdeka 87000 Federal Territory of Labuan Malaysia Tel: +60-87-417766 Labuan Branch, Kuala Lumpur Marketing Office Level 34 Menara Maxis Kuala Lumpur City Centre 50088 Kuala Lumpur Malaysia Tel: +60-3-2070-6880

BANKING & FINANCE

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Kuala Lumpur Representative Office Level 34 Menara Maxis Kuala Lumpur City Centre 50088 Kuala Lumpur Malaysia Tel: +60-3-2070-6595 · Philippines Manila Branch 26th Floor Citibank Tower Valero Street corner Villar Street Salcedo Village Makati City Metro Manila Philippines Tel: +63-2-848-0001 · Singapore Singapore Branch 168 Robinson Road #13-00 Capital Tower Singapore 068912 Singapore Tel: +65-6423-0330 Mizuho Futures (Singapore) Pte Limited Six Battery Road #18-05 Singapore 049909 Singapore Tel: +65-6221-3633 · Taiwan Kaohsiung Branch 12th Floor No.2 Chung Cheng 3rd Road Kaohsiung 800 Taiwan Tel: +886-7-236-8768 Taipei Branch 2nd Floor Hung Kuo Building 167 Tun Hua North Road Taipei 105 Taiwan Tel: +886-2-2715-3911 · Thailand Bangkok Branch 18th Floor TISCO Tower 48 North Sathorn Road Silom Bangrak Bangkok 10500 Thailand Tel: +66-2-638-0200 Mizuho Corporate Leasing (Thailand) Co Ltd 19th Floor TISCO Tower 48/44 North Sathorn Road Silom Bangrak Bangkok 10500 Thailand Tel: +66-2-638-0900

BANKING & FINANCE

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· Vietnam Hanoi Branch Suite 403~407 63 LTT Building 63 Ly Thai To Street Hanoi Vietnam Tel: +84-4-9363-123 Ho Chi Minh City Representative Office 7th Floor The Landmark 5B Ton Duc Thang Street District 1 Ho Chi Minh City Vietnam Tel: +84-8-8228-638 · Australia Sydney Branch Level 33 60 Margaret Street Sydney N.S.W. 2000 Australia Tel: +61-2-8273-3888 EUROPE AND THE MIDDLE EAST · Austria Mizuho Corporate Bank-BA Investment Consulting GmbH Landhausgasse 4/7 1010 Vienna Austria Tel: +43-1-5355868 · France Paris Branch Washington Plaza 40 rue Washington 75408 Paris Cedex 08 France Tel: +33-1-5383-4100 · Germany Düsseldorf Branch Königsallee 60 D 40212 Düsseldorf Germany Tel: +49-211-13020 Mizuho Corporate Bank (Germany) Aktiengesellschaft Taunustor 2 60311 Frankfurt am Main Germany Tel: +49-69-27282-0 · Luxembourg Mizuho Trust & Banking (Luxembourg) SA 1B Parc d'Activit Syrdall L-5365 Munsbach Luxembourg Tel: +352-4216171 · Switzerland Mizuho Bank (Switzerland) Ltd Loewenstrasse 32 8023 Zurich Switzerland Tel: +41-1-216-9111

BANKING & FINANCE

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· Netherlands Mizuho Corporate Bank Nederland N.V. Apollolaan 171 1077 AS Amsterdam The Netherlands Tel: +31-20-5734343 · United Kingdom London Branch River Plate House 7-11 Finsbury Circus London EC2M 7DH UK Tel: +44-20-7012-4000 DLIBJ Asset Management International Ltd Bracken House One Friday Street London EC4M 9JA UK Tel: +44-20-7329-3777 Mizuho Capital Markets (UK) Limited River Plate House 7-11 Finsbury Circus London EC2M 7DH UK Tel: +44-20-7972-9900 Mizuho International plc Bracken House One Friday Street London EC4M 9JA UK Tel: +44-20-7236-1090 · Bahrain Bahrain Representative Office Suite 201-202 Entrance 4 2nd Floor Manama Center Manama Bahrain Tel: +973-17-224522 · Iran Tehran Representative Office 3rd Floor No.1 14th Street Khaled Eslamboli Avenue Tehran 15117 Iran Tel: +98-21-8872-6593 THE AMERICAS · Brazil Sao Paulo Representative Office Avenida Paulista 1274 11 andar Bela Vista Sao Paulo SP 01310-925 Brazil Tel: +55-11-3251-4199 · Canada Mizuho Corporate Bank (Canada) 100 Yonge Street Suite1102 Toronto Ontario Canada M5C 2W1 Tel: +1-416-874-0222

BANKING & FINANCE

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· Cayman Islands Cayman Branch Coutts House 1446 West Bay Road P.O. Box 707GT Grand Cayman Cayman Islands · Mexico Mexico Representative Office Edificio Omega Campos Eliseos No.345-11 Col. Chapultepec Polanco Deleg. Miguel Hidalgo 11560 Mexico D.F. Mexico Tel: +52-55-5281-5037 · United States Chicago Branch 311 South Wacker Drive Suite 2020 Chicago IL 60606 United States Tel: +1-312-855-1111 New York Branch 1251 Avenue of the Americas New York NY 10020 United States Tel: +1-212-282-3000 Los Angeles Agency 350 South Grand Avenue Suite 1500 Los Angeles CA 90071 United States Tel: +1-213-243-4500 Houston Representative Office 5051 Westheimer Road Galleria Tower II Suite 710 Houston Texas 77056 United States Tel: +1-713-499-4800 DLIBJ Asset Management United States Inc 1133 Avenue of the Americas 28th Floor New York NY 10036 United States Tel: +1-212-350-7650 Mizuho Capital Markets Corporation 1440 Broadway 25th Floor New York NY 10018 United States Tel: +1-212-547-1500 Mizuho Corporate Bank of California 350 South Grand Avenue Suite 1500 Los Angeles CA 90071 United States Tel: +1-213-612-2700

BANKING & FINANCE

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Mizuho Corporate Bank (USA) 1251 Avenue of the Americas New York NY 10020 United States Tel: +1-212-282-3030 Mizuho Securities USA Inc Waterfront Corporate Center 111 River Street 11th Floor Hoboken NJ 07030 United States Tel: +1-201-626-1000 Mizuho Trust & Banking Co. (USA) 666 Fifth Avenue Suite 802 New York NY 10103 United States Tel: +1-212-373-5900 The Bridgeford Group Inc 445 Park Avenue 20th Floor New York NY 10022 United States Tel: +1-212-705-0880

BANKING & FINANCE

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BANKING & FINANCE

National Australia Bank Limited

National Australia Bank Limited Floor 24 500 Bourke Street Melbourne VIC 3001 Australia Tel: +61 3 8641 3500 Fax: +61 3 9208 5695 www.national.com.au Ticker Symbol: New York: NAB Date of Establishment: 1858 Number of Employees: 45,205 ACTIVITIES National Australia Bank Limited provides banking and financial services. The Group operates in the following five segments:· Financial Services Australia: retail arm providing a full range of financial services. · Financial Services Europe: retail arm providing a full range of financial services. · Financial Services New Zealand: retail arm providing a full range of financial services. · Corporate & Institutional Banking: provision of financial services to large corporations, institutions, supranationals and government bodies globally and comprises Corporate Banking, Financial Institutions, Markets, Specialised Finance, National Custodian Services and a Services unit. · Wealth Management: provision of a diverse portfolio of financial services businesses and comprises Investments, Insurance and Other including Private Bank and Advice Solutions. QUICK FACTS 2004 net interest income by segment as follows:· · · · · Financial Services Australia A$3,552 mn Financial Services Europe A$2,133 mn Financial Services New Zealand A$700 mn Corporate & Institutional Banking A$678 mn Wealth Management A$132 mn REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021

2004 total assets by segment as follows:· · · · · Financial Services Australia A$157,616 mn Financial Services Europe A$62,173 mn Financial Services New Zealand A$30,448 mn Corporate & Institutional Banking A$168,297 mn Wealth Management A$54,421 mn

2004 total revenue by geographic region as follows:· · · · · Australia A$19,980 mn Europe A$5,741 mn New Zealand A$2,632 mn US A$251 mn Asia A$587 mn

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2004 assets by geographic region as follows:· · · · · Australia A$256,470 mn Europe A$104,148 mn New Zealand A$36,805 mn US A$6,768 mn Asia A$7,118 mn

BANKING & FINANCE

2004 Number of customers and employees by segment as follows:· · · · · COMPETITORS Financial Services Australia 3.7 mn - 17,514 FTEs Financial Services Europe 3.6 mn - 11,765 FTEs Financial Services New Zealand 1.1 mn - 4,324 FTEs Corporate & Institutional Banking n/a - 2,832 FTEs Wealth Management n/a - 6,048 FTEs

· Commonwealth Bank of Australia · Westpac Banking Corporation · Australia and New Zealand Banking Group Limited

BOARD OF DIRECTORS Graham Kraehe, Chairman John Stewart, Managing Director and CEO Michael Chaney, Non-Executive Director Peter Duncan, Non-Executive Director Robert Elstone, Non-Executive Director Ahmed Fahour, Executive Director and CEO, Australia Danny Gilbert, Non-Executive Director Paul Rizzo, Non-Executive Director Jillian Segal, Non-Executive Director John Thorn, Non-Executive Director Geoffrey Tomlinson, Non-Executive Director Michael Ullmer, Executive Director and CFO Malcolm Williamson, Non-Executive Director EXECUTIVES John Stewart, Managing Director & Chief Executive Officer Ahmed Fahour, Chief Executive Officer, Australia Michael Ullmer, Group Chief Financial Officer Lynne Peacock, Chief Executive Officer, Europe Cameron Clyne, Executive General Manager, Customer Solutions Ian MacDonald, Chief Information Officer Ross E Pinney, Chief Executive, Financial Services Europe Peter Thodey, Chief Executive Officer, Bank of New Zealand Elizabeth Hunter, Executive General Manager, People & Culture Michael Hamar, Group Chief Risk Officer Gordon Lefevre, Deputy Group Chief Financial Officer Gavin Slater, Executive Director, National Australia Group Europe John Hooper, Executive General Manager, Institutional Markets & Services Graeme Willis, Group General Manager, Regulatory Affairs BIOGRAPHIES JOHN STEWART - MANAGING DIRECTOR & CHIEF EXECUTIVE OFFICER John Stewart was appointed Managing Director & Chief Executive Officer in February 2004. Stewart joined National Australia Group Europe in August 2003 as Chief Executive, Europe and Principal Board Member. Prior to his joining NAGE, he was Deputy Group Chief Executive of Barclays Bank PLC following the acquisition of Woolwich plc by Barclays in October 2000. He was a main Board Director of Barclays and also a member of the Executive Committee and was specifically responsible for Barclays Private Clients and the combined operation of Personal Financial Services, which included the Woolwich business. He was also responsible for the successful delivery of the Barclays/Woolwich integration programme which has ongoing benefits of £400m per annum to the Barclays Group. MICHAEL ULLMER - GROUP CHIEF FINANCIAL OFFICER MIchael Ullmer joined the National Australia Bank Group on 1 September 2004. Ullmer brings more than 30 years experience in financial services to his role as Group Chief Financial Officer.

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Fortune Global 500 Databank

BANKING & FINANCE

He has extensive industry experience in banking and his previous roles have included responsibility for finance, risk management, institutional, business and retail markets. From 1997 to 2004 he held senior management position with the Commonwealth Bank of Australia. He held partnership positions with Coopers & Lybrand from 1992 to 1997 and with KPMG from 1982 to 1992. LYNNE PEACOCK - CHIEF EXECUTIVE OFFICER, EUROPE Lynne Peacock joined the Group as an Executive Director of National Australia Group Europe in September 2003 and was appointed Executive General Manager, People & Culture in April 2004 and then Chief Executive Officer, Europe in November 2004. Prior to joining the Group, Peacock was Chief Executive of Woolwich plc, part of the Barclays Group. She held several senior positions at Woolwich plc including Group Operations Director, General Manager Retail Operations, General Manager Customer Services and Head of Marketing. ROSS E PINNEY - CHIEF EXECUTIVE, FINANCIAL SERVICES EUROPE With more than 13 years' experience with the Group in the key markets of Australia, New Zealand, the United Kingdom and Ireland, Pinney has responsibility for the Group's UK business. Pinney joined the group in 1990 as Group Manager Corporate Strategy and has held a range of senior positions with the Group. These include Executive General Manager Specialist and Emerging Businesses, Executive General Manager Products and Services, and Managing Director National Australia Group Europe Limited. IAN MACDONALD - CHIEF INFORMATION OFFICER MacDonald was appointed Chief Information Officer, in August 2004, bringing extensive leadership and operational experience to the role. MacDonald joined the National in 1971 and has held various retail, corporate, international and credit roles. MacDonald has been based in Australia for most of his 30-year career, but has had extended postings in Scotland, England and Japan. In five years in the UK, MacDonald was Head of Retail Services at the Clydesdale Bank and, for two years, was Chief Operating Officer at the Yorkshire Bank. Returning to Australia in 2001 MacDonald was appointed Executive General Manager, Global Shared Services, with responsibility for all back office services, including information technology. MacDonald was Executive General Manager, Financial Services Australia from January, 2002 to August 2004, a role that oversaw three million customers and nearly 20,000 employees across more than a 1,000 locations. Prior to this, MacDonald held the global position of EGM Business and Personal Financial Services and, prior to that role, was EGM Shared Services. MacDonald is a Fellow of the AIBF and completed the Harvard Advanced Management Program in 2001 SELECTED FINANCIAL DATA 30/9/02 A$'000 Net interest income Profit before tax Net income Total equity Total assets Earnings per share Dividends per share 7,222,000 4,341,000 3,379,000 23,184,000 377,387,000 A$2.0057 A$2.025 30/9/03 A$'000 7,419,000 5,628,000 3,947,000 24,407,000 397,471,000 A$2.488 A$2.436 30/9/04 A$'000 7,191,000 4,741,000 3,551,000 25,900,000 411,309,000 A$1.973 A$1.961 31/1/06

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BANKING & FINANCE

Nordea Bank AB

Nordea Bank AB Hamngatan 10 S-105 71 Stockholm Sweden Tel: +46 8 614 7800 Fax: +46 8 105 069 www.nordea.dk Ticker Symbol: Stockholm: NDA Date of Establishment: 2001 Number of Employees: 28,929 ACTIVITIES Nordea Bank AB provides banking and financial services. The Bank operates through the following business areas:· Retail Banking · Corporate and Institutional Banking · Asset Management & Life COMPETITORS REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021

· Swedbank · Skandinaviska Enskilda Banken AB · Svenska Handelsbanken AB

BOARD OF DIRECTORS Hans Dalborg, Chairman Timo Peltola, Vice Chairman Kjell Aamot, Director Harald Arnkværn, Director Gunnel Duveblad, Director Birgitta Kantola, Director Anne Birgitte Lundholt, Director Claus Høeg Madsen, Director Lars G Nordström, President and Group Chief Executive Officer Jørgen Høeg Pedersen, Director Maija Torkko, Director EXECUTIVES Lars G Nordström, President and Group Chief Executive Officer Christian Clausen, Executive Vice President, Head of Asset Management and Life Lena Eriksson, Executive Vice President, Head of Group Legal and Compliance Carl-Johan Granvik, Executive Vice President, Head of Group Credit and Risk Control Arne Liljedahl, Executive Vice President, Chief Financial Officer, Head of Group Corporate Centre and Country Senior Executive in Sweden Frans Lindelöw, Executive Vice President, Deputy Head of Retail Banking Markku Pohjola, Deputy Group Chief Executive Officer, Head of Group Processing and Technology and responsible for Group Human Resources and Country Senior Executive in Finland Tom Ruud, Executive Vice President, Head of Corporate and Institutional Banking and Country Senior Executive in Norway Peter Schütze, Executive Vice President, Head of Retail Banking and Country Senior Executive in Denmark

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SELECTED FINANCIAL DATA 31/12/01 '000 Total income Operating profit Net income Total assets Shareholders' equity Earnings per share 5,605,000 1,928,000 1,568,000 242,000,000 12,000,000 0.53 31/12/02 '000 5,670,000 1,547,000 887,000 250,000,000 12,000,000 0.30 31/12/03 '000 5,639,000 1,812,000 1,490,000 262,000,000 12,000,000 0.51

BANKING & FINANCE

31/12/04 '000 5,720,000 2,284,000 1,914,000 276,000,000 13,000,000 0.69

LOCATIONS · DENMARK Nordea Bank Danmark A/S Main office Postboks 850 DK-0900 Copenhagen C Visiting address: Christiansbro, Strandgade 3 Tel: +45 33 33 33 33 Telex: 71043 ndea n Fax: +45 33 33 10 56 · ESTONIA Nordea Bank Finland Plc Estonia Branch Main office: Hobujaama 4 EE-15068 Tallinn, Estonia Tel: +372 6 283 200 Fax: +372 6 283 201 Nordea Finance Estonia Ltd Hobujaama 4 EE-15068 Tallinn, Estonia Tel: +372 6 283 383 Fax: +372 6 283 384 · FINLAND Nordea Bank Finland Plc Main office FI-00020 NORDEA Visiting address: Aleksis Kiven katu 9, Helsinki Tel: +358 9 165 1 Telex: 71043 ndea n Fax: +358 9 165 54500 · LATVIA Nordea Bank Finland Plc Latvia Branch Main office Kalku iela 15 LV-1050 Riga, Latvia Tel: +371 7 096 096 Fax: +371 7 820 325 Nordea Finance Latvia Ltd Kalku iela 15 LV-1050 Riga, Latvia Tel: +371 7 228 782 Fax: +371 7 228 352 · LITHUANIA Nordea Bank Finland Plc Lithuania Branch Main Office Didzioji g. 18/2 LT-2001 Vilnius, Lithuania Tel: +370 5 2361 361 Fax: +370 5 2361 362

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Nordea Finance Lithuania Ltd Didzioji g. 18/2 LT-2001 Vilnius, Lithuania Tel: +370 5 2361 380 Fax: +370 5 2361 381 · NORWAY Nordea Bank Norge ASA Main office Postboks 1166 Sentrum NO-0107 Oslo Visiting address: Middelthunsgt. 17 Tel: +47 22 48 50 00 · POLAND Nordea Bank Polska SA Head Office ul. Kielecka 2 PL 81-303 Gdynia, Poland Tel: +48 58 669 1000 Fax: +48 58 669 1001 Nordea Bank Polska SA Nordic Corporate Banking Department Al. Jana Paw> la II 25 PL 00-854 Warsaw Poland Tel: +48 22 581 33 50 Fax: +48 22 581 33 51 Nordea Finance Polska SA Al. Jana Pawla II 25 00-854 Warsaw Poland Tel: +48 22 581 33 70 Fax: +48 22 581 33 71 · BRAZIL Nordea Bank Brazil Representative Office Rua Oscar Freire 379 CJ 122 CEP 01426-001 São Paulo - SP Brazil Tel: +55 11 3066 2580 Fax: +55 11 3066 2582 · CHINA Nordea Bank Beijing Representative Office 721, Fortune Building 5 North Dongsanhuan Road Beijing 100004, P.R. of China Telephone:+8610 6590 9070 /71 /72 Fax: +8610 6590 9073 · GERMANY Nordea Bank Finland Plc Niederlassung Deutschland Postfach 170434 DE-60078 Frankfurt am Main, Germany Visiting address: Grüneburgweg 119 DE-60323 Frankfurt am Main Tel: +49 69 71004-0 Fax: +49 69 71004-119 · RUSSIA International Moscow Bank Head Office 9 Prechistenskaya Naberezhnaya 119034 Moscow, Russia Tel: +7 095 258 7258 Fax: +7 095 258 7272

BANKING & FINANCE

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International Moscow Bank St Petersburg Branch P O Box 97 FIN-53501 Lappeenranta, Finland 48 Fontanka Naberezhnaya 191025 St Petersburg, Russia Tel: +7 812 346 8410 Fax: +7 812 346 8420 · IRAN Nordea Bank Tehran Joint Representative Office The Inter-Alpha Group of Banks 14, Fourth Alley, 2nd Floor Shahid Ahmad Ghasir Ave. (ex Bukharest Ave) Tehran 15146, I.R. Iran Tel: +98 21 873 3562, +98 21 873 3565 Fax: +98 21 873 3539 · SINGAPORE Nordea Bank Finland Plc Singapore Branch 3 Anson Road #22-01 Springleaf Tower Singapore 079909 Tel: +65 6317 6500 Fax: +65 6327 5616 · UNITED KINGDOM Nordea Bank Finland Plc London Branch 8th Floor City Place House 55 Basinghall Street London EC2V 5NB Tel: +44 20 7726 9000 Fax: +44 20 7726 9009 · UNITED STATES Nordea Bank Finland Plc New York Branch 437 Madison Avenue New York, NY 10022, USA Tel: +1 212 318-9300 Fax: +1 212 421-4420

BANKING & FINANCE

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BANKING & FINANCE

Old Mutual plc

Old Mutual plc Old Mutual Place 2 Lambeth Hill London EC4V 4GG United Kingdom Tel: +44 20 7002 7000 Fax: +44 20 7002 7200 www.oldmutual.com Ticker Symbol: London: OML Date of Establishment: 1845 Number of Employees: 41,336 ACTIVITIES Old Mutual plc is an international financial services provider with core activities focused on asset gathering and asset management operating in three principal geographies, South Africa, the United States and the United Kingdom. QUICK FACTS Geographic breakdown of assets under management:· United States 64% · South Africa 26% · United Kingdom 10% COMPETITORS REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029 6311 6321 6719

· Standard Bank Group Limited · FirstRand Limited · Sanlam Limited

BOARD OF DIRECTORS Christopher Collins, Chairman Jim Sutcliffe, Chief Executive Julian Roberts, Group Finance Director Nigel Andrews, Non-Executive Director Rudi Bogni, Non-Executive Director Norman Broadhurst, Non-Executive Director Warren Clewlow, Non-Executive Director Michael Marks, Non-Executive Director Russell Edey, Non-Executive Director Wiseman Nkuhlu, Non-Executive Director EXECUTIVES Christopher Collins, Chairman Jim Sutcliffe, Chief Executive Julian Roberts, Group Finance Director Hasan Askari, Chief Executive Officer Old Mutual Financial Services Guy Barker, Chief Executive Officer Old Mutual US Life Bruce Campbell, Chief Executive Officer Mutual & Federal Scott Powers, Chief Executive Officer Old Mutual Asset Management Roddy Sparks, Managing Director Old Mutual South Africa Tom Boardman, Chief Executive Nedbank Group Ltd

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SELECTED FINANCIAL DATA 31/12/01 £'000 Premium income Investment income Total income Income before taxes Net (loss) income Earnings per share Total assets 3,333,000 1,905,000 6,866,000 (162,000) 157,000 12.1p 44,442,000 31/12/02 £'000 5,028,000 1,732,000 6,857,000 243,000 467,000 11.3p 49,206,000 31/12/03 £'000 4,533,000 1,984,000 7,689,000 202,000 443,000 10.0p 57,715,000 31/12/04 £'000 4,817 2,547,000 8,893,000 587,000 873,000 15.3p 66,260,000

LOCATIONS · UNITED STATES Old Mutual Asset Management (US) 200 Clarendon Street 53rd Floor Boston MA 02116 United States Tel: +1 617 369 7300 Fax: +1 617 369 7499 Old Mutual Financial Network 1001 Fleet Street Baltimore MD 21202 United States Tel: +1 800 4456758 Fax: +1 410 895 0132 · SOUTH AFRICA Old Mutual South Africa PO Box 66 Cape Town 8000 South Africa Tel: +27 21 509 9111 Fax: +27 21 509 4175 Old Mutual Asset Managers (South Africa) (Pty) Ltd PO Box 878 Cape Town 8000 South Africa Tel: +27 21 509 5022 Fax: +27 21 509 4663 Nedbank Group Ltd PO Box 1144 Johannesburg 2000 South Africa Tel: +27 11 294 4444 Fax: +27 11 294 3097 Mutual & Federal PO Box 1120 Johannesburg 2000 South Africa Tel: +27 11 374 9111 Fax: +27 11 374 2652

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Fairbairn Capital P O Box 617 Howard Place 7450 South Africa Tel: +27 21 5031703 Fax: +27 21 5092905 · UNITED KINGDOM OMAM (UK) 2 Lambeth Hill London EC 4V 4GG United Kingdom Tel: +44 20 7332 7500 Fax: +44 20 7332 7550 Selestia Polk House PO Box 227 26-30 Upper Marlborough Road St Albans AL1 3FF United Kingdom Tel: +44 8456 410 410 Fax: +44 8456 410 411 Bright Capital Ltd 2 Lambeth Hill London EC4V 4GG United Kingdom Tel: +44 20 7332 7500 Fax: +44 20 7332 7550 Old Mutual International Fairbairn House PO Box 121 Rohais St Peter Port Guernsey GY1 3HE Channel Islands Tel: +44 1481 700 450 Fax: +44 1481 728 953 Fairbairn Private Bank Isle of Man Office St. Mary's Court 20 Hill Street Douglas Isle of Man Tel: +44 1624 645000 Fax: +44 1624 627218 · NETHERLANDS Palladyne Businesspark Vechtzicht Nesland 5 1382 MZ Weesp The Netherlands Tel: +31 294 460560 Fax: +31 294 460570 · BERMUDA Old Mutual Asset Managers (Bermuda) Limited 4th Floor, Phase II Washington Mall 22 Church Street Hamilton HM 11 Bermuda Tel: +1 441 296 1201 Fax: +1 441 296 1200

BANKING & FINANCE

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· NAMIBIA Old Mutual Namibia PO Box 165 Windhoek Namibia Tel: +264 61 299 3999 Fax: +264 61 299 3526 · INDIA Kotak Mahindra Old Mutual Life Insurance Ltd. Peninsula Chambers Peninsula Corporate Park 6th floor Ganpatrao Kadam Marg Lower Parel Mumbai 400 013 India Tel: +991 22 5663 5000 Fax: +991 22 5663 5111

BANKING & FINANCE

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BANKING & FINANCE

Rabobank Group

Rabobank Group PO Box 17100 3500 HG Utrecht Netherlands Tel: +31 30 216 00 00 Fax: +31 30 216 19 92 [email protected] www.rabobank.com Ticker Symbol: Cooperative Date of Establishment: 1972 Number of Employees: 56,324 ACTIVITIES Rabobank Group is a cooperative bank owned by 288 local banks providing financial services and products to the Dutch retail and business markets. Through the collection of banks, the Company provides financial services to include insurances, pensions, occupational health and safety, asset management, investment services, leasing, real estate management and mortgage services as well as retail, commercial, corporate and international banking services. QUICK FACTS 2004 breakdown of income by activity:· · · · · · · Domestic retail banking 54% Wholesale and international retail banking 21% Asset management and investment 7% Insurance 10% Leasing 6% Real estate 1% Other 1% REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029

2004 breakdown of income by region:· · · · · COMPETITORS Netherlands 27% Rest of Europe 33% America 24% Australia 10% Asia 6%

· ABN AMRO Holding NV · ING Groep NV · Crédit Agricole SA

BOARD OF DIRECTORS SUPERVISORY BOARD: Lense Koopmans, Chairman Antoon Vermeer, Deputy Chairman Sjoerd Eisma, Secretary Leo Berndsen, Member Bernard Bijvoet, Member Teun de Boon, Member Wim Duisenberg, Member

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Marinus Minderhoud, Member Hans van Rossum, Member Herman Scheffer, Member Martin Tielen, Member Aad Veenman, Member Arnold Walravens, Member

BANKING & FINANCE

EXECUTIVES Bert Heemskerk, Chairman (responsible for Personnel, Compliance, Audit, Legal and Tax Affairs, Communication, Executive Secretariat, Knowledge and Economic Research) Rik baron van Slingelandt, (responsible for Rabobank International Network, Global Financial Markets, Corporate Finance, Wholesale Support) Hans ten Cate, (responsible for Rabobank Nederland Corporate Clients, Credit Risk Management (authorisation), Special Management, Corporate Social Responsibility) Bert Bruggink (responsible for Accounting & Control, Risk Management, Treasury) Piet van Schijndel (responsible for Private Individuals, Private Banking, Group ICT) Piet Moerland (respnsible for Cooperative and Management Affairs, Small and Medium-sized Enterprises sector, Shared Services & Facilities)

SELECTED FINANCIAL DATA 31/12/01 '000 Total income Operating profit before taxes Net profit Total assets Shareholders' equity Reserves 8,388,000 1,884,000 1,178,000 363,679,000 18,415,000 12,380,000 31/12/02 '000 8,518,000 1,927,000 1,222,000 374,720,000 21,208,000 14,261,000 31/12/03 '000 9,018,000 2,348,000 1,370,000 403,305,000 23,586,000 15,233,000 31/12/04 '000 10,055,000 2,809,000 1,536,000 475,089,000 26,609,000 18,143,000

LOCATIONS · ARGENTINA Rabobank, Buenos Aires Representative Office Av Del Libertador 602, 25th Floor 1001 Buenos Aires Argentina Tel: +54 11 45 15 55 00 Fax: +54 11 45 15 55 82 · AUSTRALIA Rabobank Australia Group Sydney - Corporate Banking Level 7, Rabobank House 115 Pitt Street Sydney NSW 2000 Australia Tel: +61 2 9234 4200 Fax: +61 2 9221 6218 · BELGIUM Rabobank International, Antwerp branch Rubens 2000 - Bloc D Uitbreidingstraat 86 bus 3 B-2600 Berchem-Antwerpen Belgium Tel: +32 3 290 1777 Fax: +32 3 290 1900 · BRAZIL Banco Rabobank International Brasil S A Av das Naçoes Unidas 12 995 - 9 andar Edificio Plaza Centenário 04578-000 - Sao Paulo Brazil Tel: +55 11 5503 7000 Fax: +55 11 5503 7005

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· CANADA Rabobank Nederland Canadian Branch 77 King St W Suite 4520 Royal Trust Tower Toronto, Ontario M5K 1E7 Canada Tel: +1 416 941 9777 Fax: +1 416 941 9750 · CHILE Rabobank, Chile Representative Office Av Andrés Bello 2777 Oficina 1803 Las Condes Santiago Chile Tel: +56 2 873 0300 Fax: +56 2 203 3494 · CHINA Rabobank Beijing Representative Office Office C-213B Beijing Lufthansa Center No 50, Liangmaqiao Road Chaoyang District Beijing 100016 P R China Tel: +86-10-6461 5552 Fax: +86-10-8451 2980 Rabobank International, Hong Kong Branch Two Exchange Square 43rd Floor 8 Connaught Place Central Hong Kong Hong Kong Tel: +852 2103 2000 Fax: +852 2810 1327 Rabobank Netherlands (China) Ltd 33/F China Merchants Tower 161 East Lu Jia Zui Road Pudong New Area Shanghai 200120 China Tel: +86 21 5888 9888 Fax: +86 21 5876 8088 · CURAÇAO Rabobank Curaçao N V (RBC) Zeelandia Office park Kaya W F G (Jombi) Mensing 14 Willemstad, Curaçao Netherlands Antilles Tel: +599 9 465 2011 Fax: +599 9 465 2066 · FRANCE Rabobank International, Paris Branch 69, Boulevard Haussmann 75008 Paris France Tel: +33 1 44 71 82 00 Fax: +33 1 44 71 00 60

BANKING & FINANCE

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Fortune Global 500 Databank

· GERMANY Rabobank International, Frankfurt Branch Solmsstrasse 83 D-60486 Frankfurt am Main Germany Tel: +49 69 79 20 60 Fax: +49 69 77 14 61 · INDIA Rabo India Finance, Mumbai Office Forbes Building, 2nd Floor Charanjit Rai Marg, Fort Mumbai 400 001 India Tel: +91 22 2203 4567 Fax: +91 22 2203 5544 Rabo India Finance, New Delhi Office 1A Janpath New Delhi 110 011 India Tel: +91 11 2301 0404 Fax: +91 11 2379 2589 Rabo India Finance, Mumbai Office Forbes Building, 2nd Floor Charanjit Rai Marg, Fort Mumbai 400 001 India Tel: +91 22 2203 4567 Fax: +91 22 2203 5544 Rabo India Finance, New Delhi Office 1A Janpath New Delhi 110 011 India Tel: +91 11 2301 0404 Fax: +91 11 2379 2589 · INDONESIA PT Bank Rabobank International Indonesia Plaza 89, 9th Floor Jl H R Rasuna Said Kav X-7 No 6 Jakarta 12940 Indonesia Tel: +62 21 252 0876 Fax: +62 21 252 0875 · IRELAND Rabobank Ireland plc George's Dock House International Financial Services Centre Dublin 1 Tel: +353 1 607 6100 Fax: +353 1 670 1724 · ITALY Rabobank International, Milan Branch Via Albricci, 8 20122 Milano Italy Tel: +39 02 725 2181 Fax: +39 02 869 3500 · JAPAN Rabobank Nederland Tokyo Branch Otemachi Nomura Building 21st Floor 2-1-1- Otemachi Chiyada-ku Tokyo 100 - 0004 Japan Tel: +81 3 5200 8000 Fax: +81 3 5200 8004

BANKING & FINANCE

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· MALAYSIA Rabobank Malaysia Labuan Branch Level 11 (C) Main Office Tower Financial Park Labuan Jalan Merdeka 87000 F T Labuan Malaysia Tel: +60 87 451128 Fax: +60 87 452328 · MEXICO Rabobank, Mexico Representative Office Bosques de Alisos 47-B Piso 2 Bosques de las Lomas 05120 Mexico, D F Mexico Tel: +52 55 5261 00 00 Fax: +52 55 5261 0061 / 0060 · NEW ZEALAND Rabobank International, New Zealand Branch, Wellington office PO Box 38-396 Wellington Mail Centre Wellington New Zealand Tel: +64 4 462 5650 Fax: +64 4 462 5660 Rabobank International, New Zealand Branch, Auckland office Level 8, Tower 2 Shortland Centre 55-65 Shortland Street Auckland New Zealand Tel: +64 9 375 3700 Fax: +64 9 375 3710 ·POLAND Rabobank Polska S A 27, Jana Pawla II Ave 00-958 Warsaw 66 Poland Tel: +48 22 653 5000 Fax: +48 22 653 5004 Rabobank, Poznan Office ATANER Building Ul Piekary 6/16 61-823 Poznan Poland Tel: +48 61 855 22 01 Fax: +48 61 855 21 99 · RUSSIA Rabobank Moscow Office Novaya Square 10, 3rd floor 109013 Moscow Russia Tel: +7 095 721 1984 Fax: +7 095 721 1985 · SINGAPORE Rabobank International, Singapore Branch 77 Robinson Road # 09-00, SIA Building Singapore 068896 Singapore Tel: +65 6536 3363 Fax: +65 6536 3236

BANKING & FINANCE

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· SPAIN Rabobank International, Spain Branch C/Padilla 30 28006 Madrid Spain Tel: +34 91 436 4010 Fax: +34 91 436 4020 · TAIWAN Rabobank Taipei Representative Office Room A, 5th Floor Artist Construction Building 133 Min Sheng East Road, Section 3 Taipei-105 Taiwan Tel: +886 2 27180280 Fax: +886 2 27127339 · THAILAND Rabobank, Bangkok Representative Office Sathorn City Tower, 13th Floor, Room A1 175 South Sathorn Road Bangkok 10120 Thailand Tel: +66 2 679 5155/8 Fax: +66 2 679 5160 · TURKEY Rabobank International, Turkey Istanbul Representative Office Süleyman Seba Caddesi Akaretler Siraevleri no 23 80680 Besiktas Istanbul Turkey Tel: +90 212 326 72 00 Fax: +90 212 326 7201 / 7202 · UNITED KINGDOM Rabobank, Edinburgh Office 28 Walker Street Edinburgh EH3 7HR Tel: +44 131 226 40 34 Fax: +44 131 226 40 95 United Kingdom Rabobank International, London Branch Thames Court 1 Queenhithe London EC4V 3RL United Kingdom Tel: +44 20 7809 3000 Fax: +44 20 7809 3500 · UNITED STATES Rabobank International New York 245 Park Avenue New York, NY 10167 United States Tel: +1 212 916 7800 Fax: +1 212 818 0233 Rabo Support Services, Inc 10 Exchange Place 16th Floor Jersey City, New Jersey 07302 United States

BANKING & FINANCE

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Rabobank International Atlanta Office One Atlantic Centre Suite 3450 1201 West Peachtree Street N W Atlanta, GA 30309-3400 United States Tel: +1 404 872 9005 Fax: +1 404 877 9150 Rabobank International Chicago Office 123 North Wacker Drive Suite 2100 Chicago, IL 60606 United States Tel: +1 312 408 8200 Fax: +1 312 408 8240 Rabobank International, Dallas Office One Galleria Tower 13355 Noel Road Suite 1000 Lock Box 69 Dallas, Texas 75240 United States Tel: +1 972 419 6300 Fax: +1 972 419 6315 Rabobank International San Francisco Office Four Embarcadero Suite 3200 San Francisco, CA 94111 United States Tel: +1 415 986 4258 Fax: +1 415 986 8349 Rabobank International Washington D C 1825 I Street, NW Suite 400 Washington DC 20006 United States Tel: +1 202 429 2053 Fax: +1 202 822 4999

BANKING & FINANCE

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BANKING & FINANCE

Royal Bank of Canada

Royal Bank of Canada 200 Bay Street Toronto, Ontario Canada Tel: +1 416 974 5151 Fax: +1 416 955 7800 www.rbc.com Ticker Symbol: New York and Toronto: RY Date of Establishment: 1875 Number of Employees: 62,566 ACTIVITIES Royal Bank of Canada provides financial services including:- personal and commercial banking, wealth management, insurance, corporate and investment banking and transaction processing. QUICK FACTS Revenue generated by operations in the United States has grown from 7% to 27% in 2000 and 2003 respectively, through strategic acquisitions including:· · · · · · · · · · · · Centura Banks Inc (June 2001) Admiralty Bancorp Inc (January 2003) Eagle Bancshares Inc (July 2002) Prism Financial Corporation (April 2000) Sterling Capital Mortgage Company (September 2003) Provident Financial Group Inc (November 2003) Liberty Life Insurance Company (November 2000) Genelco assets (November 2000) Business Men's Assurance Company of America (May 2003) Barclays America (June 2002) Tucker Anthony Sutro Corporation (October 2001) Dain Rauscher Corporation (January 2001) REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029

2004 total revenue by geographic region was as follows:· Canada C$10,970 mn · United States C$4,377 mn · Other International C$2,003 mn Royal Bank of Canada has 1,297 branches in Canada and 788 internationally totaling 2,085 branches globally with a network of 4,401 ATMs 2003 net income by sector as follows:· · · · · · COMPETITORS RBC Banking 51% RBC Insurance 8% RBC Investment 14% RBC Capital Markets 16% RBC Global Services 6% Other 5%

· Canadian Imperial Bank of Commerce · The Bank of Nova Scotia · The Toronto-Dominion Bank

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BANKING & FINANCE

BOARD OF DIRECTORS W Geoffrey Beattie, Director George A Cohon, Director Douglas T Elix, Director L Yves Fortier, Director The Hon Paule Gauthier, Director Jacques Lamarre, Director Brandt C Louie, Director J Edward Newall, Director Gordon M Nixon, President and CEO David P O'Brien, Chairman Charlotte R Otto, Director Robert B Peterson, Director J Pedro Reinhard, Director Cecil W Sewell Jr, Director Kathleen P Taylor, Director Victor L Young, Director EXECUTIVES David P O'Brien, Chairman Gordon M Nixon, President and CEO Peter Armenio, President, RBC Investments Elisabetta Bigsby, SEVP Human Resources & Public Affairs Peter W Currie, Vice-Chairman & CFO Suzanne B Labarge, Vice-Chairman & Chief Risk Officer Martin J Lippert, Vice-Chairman & Chief Information Officer James T Rager, Vice-Chairman RBC Banking W James Westlake, President, RBC Insurance Charles M Winograd, Vice-Chairman RBC Capital Markets David Allgood, EVP and General Counsel RBC Financial Group Shauneen Bruder, COO RBC Investments Charles S Coffey, EVP Government and Community Affairs RBC Financial Group Anthony S Fell, Chairman RBC Capital Markets Janice Fukakusa, EVP, Finance RBC Financial Group Michael J Lagopoulos, President & CEO Global Private Banking RBC Investments George Lewis, Head of Financing & Investment Products, RBC Royal Bank and RBC Investments, President & CEO, RBC Global Asset Management, Chairman & CEO, RBC Asset Management Inc Anne Lockie, EVP Sales, RBC Banking, President & CEO, Royal Mutual Funds Inc RBC Investments Gay Mitchell, EVP Ontario RBC Royal Bank C Keith Oosthoek, Ombudsman RBC Financial Group Rod S Pennycook, EVP RBC Royal Bank Brian F Peters, President & CEO RBC Dain Rauscher José Placido, EVP Institutional & Investor Services RBC Global Services Anne Sutherland, SVP Client Segment Strategies RBC Royal Bank Doce Tomic, Head of Canadian Wealth Management RBC Investments Mark Tonnesen, Vice-Chairman and CFO RBC Insurance John Truman, SVP and Head of Technology RBC Investments Ann Louise Vehovec, SVP Brand Management and Advertising RBC Financial Group Tom Wolf, SVP eBusiness RBC Financial Group Craig Wright, VP and Chief Economist RBC Financial Group Graham MacLachlan, Regional President, British Columbia Bruce MacKenzie, Regional President, Alberta and the Territories Kirk Dudtschak, Regional President, Manitoba, Saskatchewan and NW Ontario Jennifer Tory, Regional President, Toronto Laura Gainey, Regional President, South Western Ontario Rod Schaaf, Regional President, East and North Ontario Micheline Martin, Regional President, Quebec Greg Grice, Regional President, Atlantic Provinces BIOGRAPHIES DAVID P. O'BRIEN - CHAIRMAN David P. O'Brien has served on the board of Royal Bank of Canada since May 7, 1996 and was appointed chairman of the board on February 27, 2004. Mr. O'Brien is currently Chairman of the Board of EnCana Corporation, a position he has held since April 5, 2002. Mr. O'Brien began his career as an Associate and, later, Partner of Ogilvy Renault in 1967. In 1978 he joined Petro-Canada, where he held the position of EVP and other senior management positions. Mr. O'Brien joined PanCanadian Petroleum in 1990, where he served as Chairman, President and CEO until 1995. He was appointed President and COO of Canadian Pacific Limited in 1995, and in 1996, was named the

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BANKING & FINANCE

company's Chairman, President and CEO. From October 2001 to April 2002, Mr. O'Brien was Chairman and CEO of PanCanadian Energy Corporation, which merged with Alberta Energy Company Ltd. in April 2002 to form EnCana Corporation. In addition to the boards he chairs, Mr. O'Brien's directorships include Fairmont Hotel and Resorts, Inco Limited, TransCanada PipeLines Limited, Molson Inc., and the C.D. Howe Institute. Mr. O'Brien graduated from McGill University with a Bachelor of Civil Law in 1965, and a B.A. (Honours Economics) from Loyola College (Montreal) in 1962. Mr. O'Brien holds an Honourary Doctorate of Civil Law from Bishops University in 1998, and an Honourary Bachelor of Applied Business and Entrepreneurship (International) from Mount Royal College in 2000. Mr. O'Brien, married with three children, lives in Calgary, Alberta GORDON M. NIXON - PRESIDENT AND CEO Gordon Nixon is president and CEO of RBC Financial Group, the brand name for Royal Bank of Canada and its subsidiaries. He is also a director of Royal Bank of Canada and chairman of RBC's Group Management Committee. Born in Montreal in 1957, Mr. Nixon attended Queen's University where he received an Honours Bachelor of Commerce degree. He began his investment banking career in 1979 at Dominion Securities in Toronto where he worked in the Fixed Income and Corporate and Government Finance divisions. In 1986, he transferred to Tokyo to assume responsibility for the firm's operations in Japan. Dominion Securities was acquired by Royal Bank of Canada in 1987 and Mr. Nixon returned to Toronto in 1989 as a Managing Director of Investment Banking. In 1995, he was appointed head of Global Investment Banking and in 1998 assumed responsibility for RBC Financial Group's corporate banking activities. In 1999, Mr. Nixon was appointed CEO of RBC Dominion Securities and a member of RBC Financial Group's Executive Committee. He was appointed president of Royal Bank of Canada on April 1, 2001 and CEO on August 1, 2001. Mr. Nixon is active in a wide range of community and public policy organizations. He was chairman of the United Way of Greater Toronto's 2002 Campaign and is currently on the Board of The Hospital for Sick Children, Branksome Hall, The Canadian Council for Chief Executives and The Institute of International Finance. Mr. Nixon is a recipient of the Rotary Foundation's Paul Harris Fellowship, a Queen's Golden Jubilee Medal and was awarded an Honourary Doctor of Laws from Queen's University. Mr. Nixon and his wife have three children. PETER W. CURRIE - VICE-CHAIRMAN AND CFO Peter Currie is vice-chairman and CFO of RBC Financial Group, the brand name for Royal Bank of Canada and its subsidiaries. As a member of RBC Financial Group's management committee, he is one of nine executives responsible for setting the group's overall strategic direction. In 2003, Mr. Currie was named Canada's CFO of the Year. Mr. Currie joined Royal Bank in April 1997 from Northern Telecom Limited where he was SVP and CFO. After graduating from Toronto's York University, where he received an undergraduate degree in economics, Mr. Currie began a career in finance with Procter & Gamble. It was also from York that he received a Master of Business Administration degree in 1978. Mr. Currie serves on the boards of several industry, community, educational and international institutions, including: Toronto East General Hospital (Chair of the Finance and Audit Committee), Private Sector Council (Washington D.C.), York University (Chair of its Audit Committee), and Schulich School of Business (Board of Advisors). Mr. Currie joined Northern Telecom in 1979 as assistant controller. In 1985, he was appointed group controller for the firm's major operating unit in the U.S. Two years later, he returned to Toronto to become VP, Finance of the Canadian operating parent company. Following two years with North American Life Assurance Company, where he was EVP and CFO from 1992 to 1994, Mr. Currie returned to Northern Telecom as SVP and CFO. PETER ARMENIO - PRESIDENT, RBC INVESTMENTS Peter Armenio is President, RBC Investments. He has global responsibility for RBC Financial Group's wealth management businesses and as a member of its group management committee, is responsible for setting the group's overall strategic direction and management. Prior to his current role, he was President and COO of RBC Dain Rauscher. He had management responsibility for the retail and fixed income businesses and related functions (Private Client Services, PCG Equity Research, RBC Dain Correspondent Services and Voyageur Asset Management). Prior to joining RBC Dain Rauscher in 2001, Mr. Armenio spent 18 years at RBC Dominion Securities, RBC's Canadian broker-dealer. He started as a financial consultant and progressively held the titles of branch manager, regional manager, divisional manager, national sales manager and head of the Private Client Division. Between 1999 and 2001, he was responsible for all of domestic Canadian private client businesses. In May 2003, he was appointed head of wealth management operations for RBC Financial Group, the first fully integrated wealth management business among Canada's largest banks. The wealth management business, RBC Investments, consists of Canadian & International Brokerage (full service brokerage, self-directed brokerage, private counselling, trust services and private banking), Financial Planning, Global Private Banking, Global Asset Management (including Royal Mutual Funds, and Voyageur Asset Management), and RBC Dain Rauscher.

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Born in New York, Mr. Armenio has a business degree from Concordia University in Montreal. He is a fellow of the Canadian Securities Institute. Mr. Armenio is married with three children. He is a member of the Board of Directors of the Centre for Addiction and Mental Health Foundation, and a member of the Board of Governors for the Shaw Festival. W. JIM WESTLAKE - CHAIRMAN, PRESIDENT AND CEO RBC INSURANCE As chairman, president and CEO of RBC Insurance, Jim Westlake has global responsibility for RBC Financial Group's insurance operations, which provide creditor, life, health, travel, home, auto and reinsurance products to more than five million North American customers. As a member of the group management committee since December 1999, he is one of nine executives responsible for setting the overall strategic direction of RBC Financial Group. Born in Kingston, Ontario, Mr. Westlake graduated with a diploma in business administration from Loyalist College in Belleville and a Master of Business Administration degree from Queen's University. Prior to joining RBC in January 1995, Mr. Westlake spent 19 years with the Metropolitan Life Insurance Company, most recently as VP and COO of Canadian operations. Mr. Westlake is currently on the Principal's Advisory Council for the University of Toronto (Mississauga Campus) and a director for the Canadian Chamber of Commerce. He is a past campaign chair of the United Way of Peel Region. SELECTED FINANCIAL DATA 31/10/01 C$'000 Total revenues Income before taxes Net income Total assets Deposits Earnings per share Dividends per share ANALYST COVERAGE CIBC World Markets Credit Suisse First Boston Desjardins Securities Dundee Securities Edward Jones Merrill Lynch Morgan Stanley Canada National Bank Financial Nesbitt Burns Odlum Brown RBC Capital Markets Research Capital Scotia Capital Markets TDSI UBS Bunting Warburg-Inc TRADENAMES Lion & Globe (design) Royal Bank Of Canada Royal Bank RBC RBC Financial Group RBC Banking RBC Royal Bank Of Canada RBC Royal Bank RBC Investments RBC Capital Markets RBC Global Services RBC Insurance RBC Liberty Insurance RBC Centura RBC Mortgage RBC Dain Rauscher RBC Builder Finance 15,805,000 3,892,000 2,435,000 362,562,000 235,687,000 C$3.58 C$1.38 31/10/02 C$'000 17,060,000 4,421,000 2,898,000 382,000,000 245,040,000 C$4.16 C$1.52 31/10/03 C$'000 16,947,000 4,592,000 3,036,000 412,591,000 260,518,000 C$4.47 C$1.72 31/10/04 C$'000 17,350,000 4,152,000 2,839,000 447,682,000 271,575,000 C$4.31 C$2.02

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Royal Bank of Scotland Group plc (The)

Royal Bank of Scotland Group plc (The) 42 St Andrew Square Edinburgh EH2 2YE United Kingdom Tel: +44 131 556 8555 Fax: +44 131 557 6565 [email protected] www.rbs.co.uk Ticker Symbol: London: RBS Date of Establishment: 1727 Number of Employees: 111,200 ACTIVITIES The Royal Bank of Scotland Group plc is a holding company with interests in banking and financial services. In addition to operating under the Royal Bank of Scotland and NatWest brand (acquired in 2000), the group operates the following banking and insurance organisations:· · · · · · Ulster Bank Coutts Group Direct Line Citizens Financial Group Churchill Lombard REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021

QUICK FACTS 2004 vs. 2003 total income by segment:· · · · · · · Corporate Banking and Financial Markets £7,509 mn vs. £6,697 mn Retail Banking £4,742 mn vs. £4,473 mn Retail Direct £2,129 mns vs. £1,835 mn Wealth Management £948 mn vs. £879 mn RBS Insurance £4,514 mn vs. £3,245 mn Ulster Bank £601 mn vs. £581 mn Citizens £2,141 mn vs. £1,824 mn

2004 vs. 2003 total assets by segment:· · · · · · · · · Corporate Banking and Financial Markets £346,823 mn vs. £268,523 mn Retail Banking £77,900 mn vs. £67,360 mn Retail Direct £26,862 mn vs. £21,905 mn Manufacturing £5,174 mn vs. £4,259 mn Wealth Management £11,751 mn vs. £15,211 mn RBS Insurance £10,822 mn vs. £10,124 mn Ulster Bank £27,365 mn vs. £15,560 mn Citizens £68,262 mn vs. £42,897 mn Central items £8,508 mn vs. £8,589 mn

2004 vs. 2003 total assets by geographic region:· · · · UK £378,396 mn vs. £315,426 mn USA £145,572 mn vs. £102,448 mn Europe £45,593 mn vs. £27,411 mn Rest of World £13,906 mn vs. £9,990 mn

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COMPETITORS

· Barclays plc · HSBC Holdings plc · HBOS plc

BOARD OF DIRECTORS Sir George Mathewson, Chairman Lord Vallance, Vice Chairman Sir Angus Grossart, Vice Chairman Sir Fred Goodwin, Group Chief Executive Lawrence Fish, Chairman, President and CEO of Citizens Financial Group Inc Gordon Pell, Chairman, Retail Banking and Wealth Management Fred Watt, Group Finance Director Colin Buchan, Non-Executive Director Jim Currie, Non-Executive Director Archie Hunter, Non-Executive Director Charles `Bud' Koch, Non-Executive Director Joe MacHale, Non-Executive Director Eileen Mackay, Non-Executive Director Iain Robertson, Non-Executive Director Sir Steve Robson, Non-Executive Director Bob Scott, Non-Executive Director Peter Sutherland, Non-Executive Director Miller McLean, Group Secretary and General Counsel EXECUTIVES Sir Fred Goodwin, Group Chief Executive Lawrence Fish, Chairman, President and CEO of Citizens Financial Group Inc Gordon Pell, Chairman, Retail Banking and Wealth Management Fred Watt, Group Finance Director Gordon Pell, Chairman, Retail Banking and Wealth Management Benny Higgins, Chief Executive, Retail Banking Norman McLuskie, Chairman, Retail Direct Chris Sullivan, Chief Executive, Retail Direct Iain Robertson, Chairman, Corporate Banking & Financial Markets Johnny Cameron, Chief Executive, Corporate Banking & Financial Markets Ian Chippendale, Chairman RBS Insurance Annette Court, Chief Executive, RBS Insurance Cormac McCarthy, Group Chief Executive, Ulster Bank Group Mark Fisher, Chief Executive, Manufacturing Miller McLean, Group Secretary and General Counsel, Group Legal and Secretariat Iain Allan, Group Director, Strategy Fred Watt, Group Finance Director Howard Moody, Group Director, Communications Neil Roden, Group Director, Human Resources BIOGRAPHIES SIR FRED GOODWIN - GROUP CHIEF EXECUTIVE Group Chief Executive of The Royal Bank of Scotland Group plc, previously he was Deputy Group Chief Executive. Prior to this he had been Chief Executive of Clydesdale Bank PLC and Chief Executive of Yorkshire Bank PLC and previous to that he was a Partner in Touche Ross, Chief Operating Officer of the worldwide liquidation of BCCI. From 1985 to 1987 he led a team of management consultants implementing the change to contractor management at Rosyth Royal Dockyard, and was subsequently retained to advise the incoming contractor. In 1990, he was appointed by HM Government to act as an executive director of the largest industrial employer in Northern Ireland, Short Brothers PLC in the lead up to its privatisation. His previous experience has extended across a broad range of industry sectors, but has included a particular bias towards banking and financial services. He has Chaired various Government task forces including examining the work of credit unions and the New Deal programme. In June 2003 he became Chairman of The Prince's Trust, having previously been Chairman of The Prince's Trust - Scotland. He is a former president of the Chartered Institute of Bankers in Scotland.

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SELECTED FINANCIAL DATA 31/12/01 £'000 Total income Profit before tax Profit after tax Shareholders' equity Total assets Earnings per share Dividends per share 14,558,000 4,252,000 2,715,000 26,668,000 368,859,000 67.6p 38.0p 31/12/02 £'000 17,016,000 4,852,000 3,270,000 25,071,000 412,038,000 70.6p 43.7p 31/12/03 £'000 19,281,000 6,076,000 4,188,000 26,098,000 454,428,000 76.9p 50.3p 31/12/04 £'000 22,754,000 6,917,000 4,762,000 31,865,000 583,467,000 138.0p 58.0p

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Sanpaolo IMI SpA

Sanpaolo IMI SpA Piazza San Carlo 156 I-10121 Torino TO Italy Tel: +39 011 5551 Fax: +39 011 555 2322 [email protected] www.sanpaolo.com Ticker Symbol: Italy: SPI Number of Employees: 42,738 ACTIVITIES Sanpaolo IMI SpA provides a full range of banking and financial services REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029

COMPETITORS

· Banca Intesa SpA · UniCredit SpA · MEDIOBANCA - Banca di Credito Finanziario SpA

BOARD OF DIRECTORS Enrico Salza, Chairman Maurizio Barracco, Director Pio Bussolotto, Director Giuseppe Fontana, Director Ettore Gotti Tedeschi,Director Alfonso Iozzo, Managing Director Virgilio Marrone, Director Iti Mihalich, Director Anthony Orsatelli, Director Emilio Ottolenghi, Director Orazio Rossi, Deputy Chairman Gian Guido Sacchi Morsiani, Director Alfredo Saenz Abad, Director Mario Sarcinelli, Director Leone Sibani, Director Alberto Tazzetti, Director Josè Manuel Varela, Director EXECUTIVES Alfonso Iozzo, Managing Director Pietro Modiano, General Manager SELECTED FINANCIAL DATA 31/12/01 '000 Interest and other banking income Income before taxes Net income Total assets Shareholders' equity Earnings per share 5,877,000 1,623,000 1,203,000 170,485,000 8,476,000 0.87 31/12/02 '000 7,160,000 1,018,000 889,000 203,773,000 10,537,000 0.48 31/12/03 '000 7,482,000 1,668,000 972,000 202,580,000 10,995,000 0.53 31/12/04 '000 7,592,000 2,101,000 1,393,000 211,157,000 11,804,000 0.76

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Societe Generale

Societe Generale 29 Boulevard Haussman F-75009 - Paris France Tel: +33 1 42 14 20 00 Fax: +33 1 42 13 00 22 [email protected] www.socgen.com Ticker Symbol: EURONEXT: 13080 Date of Establishment: 1864 Number of Employees: 39,102 ACTIVITIES Société Générale provides banking and financial services REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029

QUICK FACTS 2004 breakdown of employees by region:· · · · · · · · Western Europe 59,400 Eastern Europe 15,600 Middle East 1,300 Asia 1,590 Oceania 880 Africa 9,400 South America 1,070 North America 2,760

2004 breakdown of assets by region:· Europe 64% · US 31% · Asia 5% 2004 net banking income by region:· · · · · · COMPETITORS France 8,951 mn Europe 3,743 mn Americas 2,465 mn Asia 572 mn Africa 565 mn Oceania 120 mn

· Crédit Agricole SA · BNP Paribas · Natexis Banques Populaires

BOARD OF DIRECTORS Daniel Bouton, Chairman and CEO Philippe Citerne, CEO Marc Viénot, Director Jean Azéma, Director Euan Baird, Director

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Yves Cannac, Director Michel Cicurel, Director Elie Cohen, Director Robert A Day, Director Antoine Jeancourt Galignani, Director Elisabeth Lulin, Director Patrick Ricard, Director Anthony Wyand, Director Gérard Baude, Director Philippe Pruvost, Director Marc Sonnet, Director EXECUTIVES · Executive Committee Daniel Bouton, Chairman and CEO Philippe Citerne, Chief Executive Officer Christian Schricke, Senior Executive Vice-President, Corporate Secretary Bernard de Talancé, Senior Executive Vice-President, Corporate Resources and Human Relations Frédéric Oudéa, Senior Executive Vice-President, Group Chief Financial Officer Hervé Saint-Sauveur, Senior Advisor to the Chairman and Chief Executive Officer Didier Alix, Chief Executive Officer of Retail Banking Philippe Collas, Chief Executive Officer, SG Global Investment Management and Services Jean-Pierre Mustier, Chief Executive Officer of SG Corporate and Investment Banking Alain Py, Chairman and Chief Executive Officer, Crédit du Nord René Querret, Senior Executive Vice-President, Group Chief Information Officer Didier Hauguel, Head of Group Risk Management Hugues Le Bret, Head of Corporate Communications

BANKING & FINANCE

· General management committee Daniel Bouton, Chairman and Chief Executive Officer Alain Py, Chairman and Chief Executive Officer, Crédit du Nord Philippe Citerne, Chief Executive Officer Frédéric Oudéa, Senior Executive Vice-President, Group Chief Financial Officer Didier Alix, Chief Executive Officer of Retail Banking Christian Schricke, Senior Executive Vice-President, Corporate Secretary Jean-Pierre Mustier, Chief Executive Officer of SG Corporate and Investment Banking Bernard de Talancé, Senior Executive Vice-President, Corporate Resources and Human Relations Philippe Collas, Chief Executive Officer of SG Global Investment Management and Services Yves-Claude Abescat, Head of Investment Banking for Mid Caps Thierry Aulagnon, Chief Executive Global Investment Banking Division Europe Jean-Pierre Lesage, Chief Financial Officer SG Corporate and Investment Banking Pierre Mathé, Global Head of Private Banking Bernard Beaufils, Chief Executive Officer, Crédit du Nord Jean-Louis Mattei, Head of International Retail Banking Jacques Bouhet, Deputy CEO of SG Corporate and Investment Banking Inès Mercereau, Head of Corporate Strategy Marc Breillout, Global Head of Debt Finance Christophe Mianné, Global Head of Equity Derivatives Yannick Chagnon, Head of SG Payment Services Philippe Miecret, Head of Group Internal Audit Alain Closier, Global Head of Securities Services for Investors Jean-Jacques Ogier, CEO of SG Americas Alain Clot, Chief Executive Officer of SG Asset Management Benoît Ottenwaelter, Deputy Global Head of Corporates and Institutions, SG Corporate and Investment Banking Michel Douzou, Deputy Head of Retail Banking Société Générale France Christian Poirier, Head of Strategy and Marketing, Retail Banking Kim Fennebresque, CEO of SG COWEN René Querret, Senior Executive Vice-President, Group Chief Information Officer Jean-François Gautier, Head of Specialized Financial Services Hervé Saint-Sauveur, Senior Advisor to the Chairman and Chief Executive Officer Didier Hauguel, Head of Group Risk Management Jean-François Sammarcelli, Head of Retail Banking Société Générale France Alexis Juan, Chairman of the Board and Chief Executive Officer, Komercni Banka Patrick Soulard, Deputy CEO of SG Corporate and Investment Banking in charge of Corporates and Financial Institutions Maurice Kouby, Head of Information Systems of Retail Banking Société Générale Catherine Théry, Chief Operating Officer of Global Securities Services for Investors Hugues Le Bret, Head of Group Communications Yves Thieffry, Chief Operating Officer of SG Corporate and Investment Banking

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SELECTED FINANCIAL DATA 31/12/01 '000 Net banking income Income before tax Net income Shareholders' equity Total assets Earnings per share Dividends per share 13,966,000 3,159,000 2,154,000 15,750,000 512,499,000 5.35 2.10 31/12/02 '000 14,573,000 2,495,000 1,397,000 15,734,000 501,392,000 3.41 2.10 31/12/03 '000 15,637,000 4,263,000 2,492,000 16,877,000 539,367,000 6.07 2.50 31/12/04 '000 16,416,000 5,069,000 3,125,000 18,576,000 601,089,000 7.65 3.30

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Sumitomo Mitsui Financial Group

Sumitomo Mitsui Financial Group 1-2 Yurakucho 1-chome Chiyoda-ku Tokyo 100-0006 Japan Tel: +81 3 3501 1111 Fax: +81 3 3504 8350 www.smbc.co.jp Ticker Symbol: Tokyo: 8316 Date of Establishment: 2002 Number of Employees: 42,014 ACTIVITIES Sumitomo Mitsui Financial Group is a financial holding company with interests in banking and financial services. Sumitomo Mitsui Financial Group Inc was established on December 2, 2002 as a holding company for the SMFG group through a statutory share transfer of all of the outstanding equity securities of the former Sumitomo Mitsui Banking Corporation in exchange for SMFG's newly issued securities. Principal subsidiaries of the group include:· · · · · · · · · · · · Sumitomo Mitsui Banking Corporation The Minato Bank Ltd Kansai Urban Banking Corporation Sumitomo Mitsui Banking Corporation Europe Limited Manufacturers Bank SMBC Leasing Company Limited Sumitomo Mitsui Card Company Limited SMBC Capital Co Ltd SMBC Finance Service Co Ltd SMBC Friend Securities Co Ltd The Japan Research Institute Limited SMBC Capital Markets Inc REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021 6029 6712

The Group operates in three business segments:· Banking business · Leasing · Other QUICK FACTS 2005 vs. 2004 total assets by geographic region:· · · · Japan ¥91,564,408 mn vs. ¥95,318,870 mn The Americas ¥4,704,584 mn vs. ¥4,826,318 mn Europe ¥2,462,266 mn vs. ¥2,177,644 mn Asia and Oceania ¥3,253,758 mn vs. ¥2,731,299 mn

2005 vs. 2004 operating income by geographic region:· · · · Japan ¥3,390,472 mn vs. ¥3,300,591 mn The Americas ¥156,429 mn vs. ¥175,038 mn Europe ¥69,148 mn vs. ¥81,680 mn Asia and Oceania ¥103,016 mn vs. ¥101,942 mn

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2005 vs. 2004 total assets by segment as follows:· Banking business ¥96,420,384 mn vs. ¥99,062,021 mn · Leasing ¥1,924,019 mn vs. ¥1,815,963 mn · Other ¥5,649,310 mn vs. ¥5,940,301 mn 2004 operating income by segment:· Banking business ¥2,488,984 mn vs. ¥2,519,079 mn · Leasing ¥726,583 mn vs. ¥692,709 mn · Other ¥617,040 mn vs. ¥569,054 mn

BANKING & FINANCE

Sumitomo Mitsui Banking Corporation established in 1996 has 1,415 locations including 483 domestic branches, 132 subbranches, 786 automated service centers, 20 overseas branches, 3 subbranches and 14 representative offices COMPETITORS

· Mitsubishi Tokyo Financial Group Inc · Citigroup Inc · Mizuho Financial Group Inc

BOARD OF DIRECTORS Akishige Okada, Chairman Yoshifumi Nishikawa, President and CEO · Deputy Presidents Takeharu Nagata, Corporate Research Department, Head of Asset Restructuring Unit, Covering Osaka Unit Masayuki Oku, Head of Corporate Banking Unit, International Banking Unit Toichiro Mizushima, Head of Middle Market Banking Unit · Senior Managing Directors Hiroyasu Ichikawa, Head of Community Banking Unit Morio Kusunoki, Internal Audit Department, Credit Review Department, Covering Kobe area Koichi Tsukihara, Head of Consumer Banking Unit, Operations Planning Department, Operations & Administration Department Masahide Hirasawa, General Affairs Department, Legal Department, Customer Relations Department, Human Resources Department, Human Resources Development Department, Administrative Services Department Mitsuaki Yahagi, Corporate Risk Management Department, Credit Risk Management Department, IT Planning Department, Electronic Commerce Banking Department, Trust Services Department · Managing Directors Yasuyuki Kimoto, Head of Treasury Unit, Investment Banking Unit Kenjiro Nakano, Deputy Head of Middle Market Banking Unit Shigeru Nishiyama, Deputy Head of Corporate Banking Unit, Asset Restructuring Unit Hitoshi Yoshimatsu, Deputy Head of Middle Market Banking Unit, International Banking Unit EXECUTIVES Akishige Okada, Chairman Yoshifumi Nishikawa, President and CEO · Deputy Presidents Takeharu Nagata, Corporate Research Department, Head of Asset Restructuring Unit, Covering Osaka Unit Masayuki Oku, Head of Corporate Banking Unit, International Banking Unit Toichiro Mizushima, Head of Middle Market Banking Unit · Senior Managing Directors Hiroyasu Ichikawa, Head of Community Banking Unit Morio Kusunoki, Internal Audit Department, Credit Review Department, Covering Kobe area Koichi Tsukihara, Head of Consumer Banking Unit, Operations Planning Department, Operations & Administration Department Masahide Hirasawa, General Affairs Department, Legal Department, Customer Relations Department, Human Resources Department, Human Resources Development Department, Administrative Services Department Mitsuaki Yahagi, Corporate Risk Management Department, Credit Risk Management Department, IT Planning Department, Electronic Commerce Banking Department, Trust Services Department · Managing Directors Yasuyuki Kimoto, Head of Treasury Unit, Investment Banking Unit Kenjiro Nakano, Deputy Head of Middle Market Banking Unit Shigeru Nishiyama, Deputy Head of Corporate Banking Unit, Asset Restructuring Unit Hitoshi Yoshimatsu, Deputy Head of Middle Market Banking Unit, International Banking Unit

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SELECTED FINANCIAL DATA 31/3/02 ¥'000,000 Total income Operating (loss) profit Net (loss) income Shareholders' equity Total assets Deposits Earnings (loss) per share ANALYST COVERAGE Deutsche Securities Goldman Sachs HSBC Securities J.P. Morgan Securities Nikko Citigroup Mizuho Securities Co Ltd Lehman Brothers Daiwa Institute of Research Credit Suisse First Boston Securities UBS Securities Macquarie Securities Nomura Securities Merrill Lynch Japan 3,779,700 (580,600) (463,900) 2,912,619 108,005,001 64,986,000 (¥84.12) 31/3/03 ¥'000,000 3,518,293 (590,914) (465,359) 2,424,074 104,607,449 62,931,000 (¥84,324.99) 31/3/04 ¥'000,000 3,669,531 404,894 330,414 3,070,942 102,215,172 65,333,426 ¥52,314.78 31/3/05 ¥'000,000 3,589,871 (108,535) (234,201) 2,775,728 99,731,858 68,474,861 (¥44,388.07)

LOCATIONS ASIA AND OCEANIA SMBC Branches and Representative Offices · HONG KONG Hong Kong Branch 7th and 8th Floor One International Finance Centre 1 Harbour View Street Central Hong Kong Tel: +852 2206 2000 Fax: +852 2206 2888 · CHINA Shanghai Branch 30F HSBC Tower 101 Yin Cheng East Road Pudong New Area Shanghai China Tel: +86 21 6841 5000 Fax: +86 21 6841 0144 Tianjin Branch Room No. 1210 Tianjin International Building No. 75 Nan Jing Lu Tianjin China Tel: +86 22 2330 6677 Fax: +86 22 2319 2111 Guangzhou Branch 31F Office Tower CITIC Plaza 233 Tianhe North Road Guangzhou China Tel: +86 20 8752 0168 Fax: +86 20 8752 0672

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Suzhou Branch 10th Floor-D Kings Tower 1156 Bin he Road Suzhou New District Suzhou Jiangsu 215011 China Tel: +86 512 6825 8205 Fax: +86 512 6825 6121 General Representative Office in China 2902 Jing Guang Centre Hujialou Chaoyang District Beijing China Tel: +86 10 6597 3351 Fax: +86 10 6597 3002 Dalian Representative Office Senmao Building 9F 147 Zhongshan Lu Dalian 116011 China Tel: +86 411 8370 7873 Fax: +86 411 8370 7761 Chongqing Representative Office 3F Holiday Inn Yangtze Chongqing 15 Nan Ping Bei Lu Chongqing China Tel: +86 23 6280 3394 Fax: +86 23 6280 3748 Shenyang Representative Office Room No. 606 Gloria Plaza Hotel Shenyang No. 32 Yingbin Street Shenhe District Shenyang China Tel: +86 24 2252 8310 Fax: +86 24 2252 8769 · TAIWAN Taipei Branch Aurora International Building 9F No. 2 Hsin Yi Rd. Sec. 5 Taipei Taiwan Tel: +886 2 2720 8100 Fax: +886 2 2720 8287 · SOUTH KOREA Seoul Branch Young Poong Bldg. 7F 33 Seorin-dong Jongno-gu Seoul 110-752 South Korea Tel: +82 2 732 1801 Fax: +82 2 399 6330

BANKING & FINANCE

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· SINGAPORE Singapore Branch 3 Temasek Avenue #06-01 Centennial Tower Singapore 039190 Singapore Tel: +65 6882 0000/0001 Fax: +65 6887 0220/0330 · MALAYSIA Labuan Branch Level 12 (B&C) Main Office Tower Financial Park Labuan Jalan Merdeka 87000 Labuan Malaysia Tel: +60 87 410955 Fax: +60 87 410959 Marketing Office Letter Box No. 25 29th Floor UBN Tower 10 Jalan P. Ramlee 50250 Kuala Lumpur Malaysia Tel: +60 3 2026 8392 Fax: +60 3 2026 8395 Kuala Lumpur Representative Office Letter Box No. 25 29th Floor UBN Tower 10 Jalan P. Ramlee 50250 Kuala Lumpur Malaysia Tel: +60 3 2026 8392 Fax: +60 3 2026 8395 · INDONESIA Jakarta Representative Office Summitmas II 8th Floor JI. Jendral Sudirman Kav. 61 62 Jakarta 12190 Indonesia Tel: +62 21 525 1733 Fax: +62 21 525 1770 · VIETNAM Ho Chi Minh Representative Office Unit C 4th Floor OSIC Building 8 Nguyen Hue Street District 1 Ho Chi Minh City Vietnam Tel: +84 8 8231244 Fax: +84 8 8231241 · MYANMAR Yangon Representative Office Room No. 717/718 Traders Hotel 223 Sule Pagoda Road Pabedan Township Yangon Myanmar Tel: +95 1 242828 ext.7717 Fax: +95 1 381227

BANKING & FINANCE

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· THAILAND Bangkok Branch Boon-Mitr Building 138 Silom Road Bangkok 10500 Thailand Tel: +66 2 353 8000 Fax: +66 2 353 8100 Ayudhya Branch 3rd Floor Bank of Asia Building 5-255 Pailing Ayudhya District Ayudhya Province Thailand Tel: +66 35 245842 Fax: +66 35 212547 Chonburi Branch 6th Floor Bangkok Bank Building 98 Sukhumvit Road Sriracha District Chonburi Province Thailand Tel: +66 38 770584~7 Fax: +66 38 770588 · PHILIPPINES Manila Representative Office 20th Floor Rufino Pacific Tower 6784 Ayala Avenue Makati City Metro Manila The Philippines Tel: +63 2 841 0098/9 Fax: +63 2 811 0877 · INDIA Mumbai Branch 15th Floor Jolly Maker Chambers No. 2 225 Nariman Point Mumbai 400021 India Tel: +91 22 2288 0025 Fax: +91 22 2288 0026 New Delhi Branch Dr. Gopal Das Bhawan Ground Floor 28 Barakhamba Road New Delhi 110001 India Tel: +91 11 2373 7637~41 Fax: +91 11 2373 7642 · SMFG NETWORK · AUSTRALIA Sumitomo Mitsui Finance Australia Limited Level 40 The Chifley Tower 2 Chifley Square Sydney NSW 2000 Australia Tel: +61 2 9376 1800 Fax: +61 2 9376 1863

BANKING & FINANCE

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· INDONESIA PT Bank Sumitomo Mitsui Indonesia Summitmas II 10th Floor JI. Jendral Sudirman Kav. 61-62 Jakarta 12190 Indonesia Tel: +62 21 522 7011 Fax: +62 21 522 7022 · PHILIPPINES SMBC Metro Investment Corp. 20th Floor Rufino Pacific Tower 6784 Ayala Avenue Makati City Metro Manila The Philippines Tel: +63 2 811 0845 Fax: +63 2 811 0876 · HONG KONG Sakura Finance Asia Limited 7th and 8th Floors One International Finance Centre 1 Harbour View Street Central Hong Kong Tel: +852 2206 2000 Fax: +852 2861 2316 SMBC Capital Markets Limited Hong Kong Branch 7th Floor One International Finance Centre 1 Harbour View Street Central Hong Kong Tel: +852 2532 8500 Fax: +852 2532 8505 SMBC Leasing (Hong Kong) Limited 21st Floor World-wide House 2104B 19 Des Voeux Road Central Hong Kong Tel: +852 2523 4155 Fax: +852 2845 9246 · SINGAPORE Sakura Merchant Bank (Singapore) Limited 3 Temasek Avenue #06-01 Centennial Tower Singapore 039190 Singapore SMBC Leasing (Singapore) Pte. Ltd. 152 Beach Road Gateway East #21-5 Singapore 189721 Tel: +65 6224 2955 Fax: +65 6225 3570 · THAILAND BSL Leasing Co Ltd. 19th Fl. Sathorn City Tower 175 South Sathorn Road Bangkok Thailand Tel: +66 2 679 6161 Fax: +66 2 679 6160

BANKING & FINANCE

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SMBC Management Service Co Ltd. 7th Floor Unit B6 Boon-Mitr Building 138 Silom Road Bangkok 10500 Thailand Tel: +66 2 237 6295 Fax: +66 2 237 6299 Bangkok SMBC Consulting Company Limited Boon-Mitr Building 138 Silom Road Bangkok 10500 Thailand Tel: +66 2 237 6295 SBCS Co Ltd. 7th Floor Unit A3 and B5-6 Boon-Mitr Building 138 Silom Road Bangkok 10500 Thailand Tel: +66 2 237 6295~8 Fax: +66 2 237 6299 SMSB Co Ltd. 7th Floor Unit B6 Boon-Mitr Building 138 Silom Road Bangkok 10500 Thailand SMBC Leasing (Thailand) Co Ltd. 19th Floor Ramaland Building 952 Rama IV Road Suriyawong Bangrak Bangkok 10500 Thailand Tel: +66 2 632 9250 Fax: +66 2 632 9258 · CHINA SMBC Leasing (Guangzhou) Co Ltd. Room 1211-1212 Metro Plaza 183 Tian He Bei Lu Guangzhou China Tel: +86 20 8755 0021 Fax: +86 20 8755 0422 · MALAYSIA SMBC Leasing (Malaysia) Sdn. Bhd. Letter Box No. 58 11th Floor UBN Tower 10 Jalan P. Ramlee 50250 Kuala Lumpur Malaysia Tel: +60 3 2026 2619 Fax: +60 3 2026 2627 · AMERICAS SMBC Branches and Representative Offices · UNITED STATES New York Branch 277 Park Avenue New York NY 10172 USA Tel: +1 212 224 4000 Fax: +1 212 593 9522

BANKING & FINANCE

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Los Angeles Branch 777 South Figueroa Street Suite 2600 Los Angeles CA 90017 USA Tel: +1 213 955 0800 Fax: +1 213 623 6832 San Francisco Branch 555 California Street Suite 3350 San Francisco CA 94104 USA Tel: +1 415 616 3000 Fax: +1 415 397 1475 · CAYMAN ISLANDS Cayman Branch P.O. Box 694 Edward Street George Town Grand Cayman Cayman Islands · SMFG Network · UNITED STATES Manufacturers Bank 515 South Figueroa Street Los Angeles CA 90071 USA Tel: +1 213 489 6200 Fax: +1 213 489 6254 SMBC Capital Markets Inc 277 Park Avenue New York NY 10172 USA Tel: +1 212 224 5100 Fax: +1 212 224 5181 SMBC Leasing and Finance Inc 277 Park Avenue New York NY 10172 USA Tel: +1 212 224 5200 Fax: +1 212 224 5222 SMBC Securities Inc 277 Park Avenue New York NY 10172 USA Tel: +1 212 224 5300 Fax: +1 212 224 5333 JRI America Inc 277 Park Avenue New York NY 10172 USA Tel: +1 212 224 4200 Fax: +1 212 224 4611

BANKING & FINANCE

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· CANADA Sumitomo Mitsui Banking Corporation of Canada Ernst & Young Tower Toronto Dominion Centre Suite 1400 P.O.Box 172 222 Bay Street Toronto Ontario M5K 1H6 Canada Tel: +1 416 368 4766 Fax: +1 416 367 3565 · BRAZIL Banco Sumitomo Mitsui Brasileiro S.A. 37 Avenida Paulista São Paulo SP Brazil Tel: +55 11 3178 8000 Fax: +55 11 289 1668 · BRITISH VIRGIN ISLANDS SFVI Limited P.O. Box 961 30 De Castro Street Road Town Tortola British Virgin Islands · CAYMAN ISLANDS Sumitomo Finance (Asia) Limited P.O. Box 694 Edward Street George Town Grand Cayman Cayman Islands · SMBC Branches and Representative Offices · UNITED KINGDOM London Branch Temple Court 11 Queen Victoria Street London EC4N 4TA UK Tel: +44 20 7786 1000 Fax: +44 20 7236 0049 · GERMANY Düsseldorf Branch Prinzenallee 7 40549 Düsseldorf Germany Tel: +49 211 3619223 Fax: +49 211 3619236 · BELGIUM Brussels Branch Avenue des Arts 58 Bte. 18 1000 Brussels Belgium Tel: +32 2 551 5000 Fax: +32 2 513 4100 · FRANCE Paris Branch 20 Rue de la Ville l'Evêque 75008 Paris France Tel: +33 1 44 71 40 00 Fax: +33 1 44 71 40 50

BANKING & FINANCE

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· SPAIN Madrid Representative Office Serrano 16 28001 Madrid Spain Tel: +34 91 576 6196 Fax: +34 91 577 7525 · BAHRAIN Bahrain Representative Office No. 406 & 407 (Entrance 3 4th Floor) Manama Centre Government Road Manama Bahrain Tel: +973 1722 3211 Fax: +973 1722 4424 · IRAN Tehran Representative Office 4th Floor 80 Nezami Gangavi Street Vali-e-Asr Avenue Tehran 14348 Iran Tel: +98 21 879 4586 Fax: +98 21 879 4569 · EGYPT Cairo Representative Office Flat No. 6 14th Fl 3 Ibn Kasir Street Cornish El Nile Giza Arab Republic of Egypt Tel: +20 2 761 7657 Fax: +20 2 761 7658 · SOUTH AFRICA Johannesburg Representative Office Suite No. 2 Ground Floor Gleneagles Building Fairway Office Park 52 Grosvenor Road Bryanston Sandton South Africa Tel: +27 11 706 8675 Fax: +27 11 706 4927 · SMFG Network · UNITED KINGDOM Sumitomo Mitsui Banking Corporation Europe Limited Temple Court 11 Queen Victoria Street London EC4N 4TA UK Tel: +44 20 7786 1000 Fax: +44 20 7236 0049 SMBC Capital Markets Limited Temple Court 11 Queen Victoria Street London EC4N 4TA UK Tel: +44 20 7786 1400 Fax: +44 20 7248 5905

BANKING & FINANCE

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SMBC Derivative Products Limited Temple Court 11 Queen Victoria Street London EC4N 4TA UK Tel: +44 20 7786 1400 Fax: +44 20 7248 5905 Sumitomo Finance International plc Temple Court 11 Queen Victoria Street London EC4N 4UQ UK Tel: +44 20 7842 3000 Fax: +44 20 7842 3090 JRI Europe Limited Market Towers 1 Nine Elms Lane London SW8 5NQ UK Tel: +44 20 7819 6200 Fax: +44 20 7819 6249 · IRELAND Sumitomo Mitsui Finance Dublin Limited La Touche House International Financial Services Centre Custom House Docks Dublin 1 Ireland Tel: +353 1 670 0066 Fax: +353 1 670 0353

BANKING & FINANCE

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BANKING & FINANCE

Teachers Insurance and Annuity Association - College Retirement Equities Fund

Teachers Insurance and Annuity Association - College Retirement Equities Fund 730 3rd Avenue New York, NY 10017 United States Tel: +1 212 490 9000 Fax: +1 212 916 4840 www.tiaa-cref.org Ticker Symbol: Private company Date of Establishment: 1918 (TIAA) 1952 (CREF) Number of Employees: 5,500 ACTIVITIES Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF) provides retirement services for individuals engaged in the education, research and health care sectors. QUICK FACTS Number of Retirement System Participants in 2004 stood at 3.2 million COMPETITORS REGION: North America SECTOR: Banking and Finance SIC Codes: 6321

· AIG VALIC · The Vanguard Group · FMR Corp

BOARD OF DIRECTORS Herbert M Allison Jr, Chairman, President and Chief Executive Officer of TIAA, President and Chief Executive Officer of CREF William G Bowen, Director Stanley O Ikenberry, Director Arthur Levitt, Director Samuel O Their, Director Alair A Townsend, Director · 2004-2005 TRUSTEES OF TIAA Herbert M Allison Jr, Chairman, President and Chief Executive Officer of TIAA, President and Chief Executive Officer of CREF Elizabeth E Bailey, Trustee Robert C Clark, Trustee Estelle A Fishbein, Trustee Marjorie Fine Knowles, Trustee Robert M O'Neil, Trustee Donald K Peterson, Trustee Sidney A Ribeau, Trustee Leonard S Simon, Trustee David F Swensen, Trustee Ronald L Thompson, Trustee Paul R Tregurtha, Trustee Rosalie J Wolf, Trustee · 2004-2005 TRUSTEES OF CREF

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Willard T Carleton, Trustee Nancy L Jacob, Trustee Bevis Longstreth, Trustee Bridget A Macaskill, Trustee Maceo K Sloan, Trustee Ahmed H Zewail, Trustee

BANKING & FINANCE

EXECUTIVES Herbert M Allison Jr, Chairman, President and Chief Executive Officer of TIAA, President and Chief Executive Officer of CREF Scott C Evans, Executive Vice President and Chief Investment Officer I Steven Goldstein, Executive Vice President Public Affairs Susan S Kozik, Executive Vice President and Chief Technology Officer George W Madison, Executive Vice President and General Counsel Erwin W Martens, Executive Vice President Risk Management Frances Nolan, Executive Vice President Client Services Russell Noles, Vice President and Acting Chief Financial Officer Dermot J O'Brien, Executive Vice President Human Resources Bertram L Scott, Executive Vice President Product Management BIOGRAPHIES HERBERT M. ALLISON JR - CHAIRMAN, PRESIDENT AND CHIEF EXECUTIVE OFFICER OF TIAA, PRESIDENT AND CHIEF EXECUTIVE OFFICER OF CREF On November 1, 2002, Herbert M. Allison, Jr. became Chairman, President and Chief Executive Officer of TIAA-CREF. Mr. Allison joins TIAACREF after a 28-year career span at Merrill Lynch & Co., Inc., where he last served as President and Chief Operating Officer until 1999. His professional career began with Merrill Lynch & Co., Inc. in 1971 soon after graduating from Stanford University with an MBA. He first served as an associate in investment banking in New York, and also held posts in Paris, London and Tehran. He became President and Chief Operating Officer and a member of the board in 1997. During his tenure at Merrill Lynch, Mr. Allison ran both Investment Banking and the Corporate and Institutional Group. He also served at various times as head of Human Resources and as Chief Financial Officer. After leaving Merrill Lynch in mid-1999, Mr. Allison served as National Finance Chairman for U.S. Senator John McCain's Presidential Campaign. In 2000, he accepted a leadership role in a start-up academic organization, the Alliance for Lifelong Learning, Inc., (http://www.alllearn.org) a joint venture of Oxford, Stanford and Yale Universities. There, as President and Chief Executive Officer, he helped build an online learning organization for adults that provides the highest quality college-level courses. He remains on AllLearn's board. Mr. Allison is on the Board of Directors of the New York Stock Exchange. He also serves on the Advisory Board of the Yale School of Management, is the Vice Chair of the Business-Higher Education Forum, and recently served on Governor's Pataki's New York State Commission on Education Reform. Mr. Allison is a member of both the Business Roundtable and the Financial Services Roundtable. In 2005, Mr. Allison stepped down as chair of the Vietnam Education Foundation and from the board of the United Negro College Fund. Mr. Allison earned a BA in Philosophy from Yale University in 1965. Following a four-year tour of duty in the U.S. Navy, including service in Vietnam, he earned an MBA from Stanford University. SCOTT C. EVANS - EXECUTIVE VICE PRESIDENT AND CHIEF INVESTMENT OFFICER Scott C. Evans is Executive Vice President and Chief Investment Officer of TIAA-CREF. As Chief Investment Officer, Mr. Evans is responsible for investment policy, strategy and oversight of our company's more than $300 billion in assets under management. Mr. Evans brings almost 19 years' experience at TIAA-CREF to his new role. In 1997 he was named head of CREF Investments, where he was responsible for managing the firm's equity portfolios and directing teams of global analysts and portfolio managers. He joined TIAA-CREF in 1985 as an investment analyst and, after a series of promotions, became the first portfolio manager of the CREF Growth Account upon its inception in 1994. He began his career with the General Electric Company. Mr. Evans is a member of the New York Society of Security Analysts and holds the Charted Financial Analyst (CFA) designation. He serves on the Board of Trustees of Barnard College and co-chair's Barnard's investment committee. He is a member of the Dean's Advisory Council at Northwestern University's Kellogg School of Management and chairs the investment committee for the Rockefeller Family Fund. Mr. Evans received his B.A. degree from Tufts University, and the Master of Management degree from the Kellogg School of Management, Northwestern University. SUSAN S. KOZIK - EXECUTIVE VICE PRESIDENT AND CHIEF TECHNOLOGY OFFICER Susan S. Kozik is Executive Vice President and Chief Technology Officer of TIAA-CREF. She is responsible for company-wide technology direction and strategy. She also oversees systems engineering and architecture for all applications and infrastructure, including technology risk management and data center operations. Ms. Kozik joined TIAA-CREF in August 2003 from Lucent Technologies, where she served as Vice President of IT Operations and Services. While at Lucent, Ms. Kozik managed information technology operations and services, and directed numerous business process reengineering initiatives and strategic projects. She was responsible for supporting the global application portfolio of more than 500 systems and all operating platforms, including mainframe, midrange, server environments and desktops. In addition, she oversaw Lucent's global support center, IT problem management and IT change management processes.

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BANKING & FINANCE

Previously, Ms. Kozik was Senior Vice President and Chief Technology Officer at Penn Mutual Life Insurance Company, where she served on the company's executive management team. Prior to joining Penn Mutual, Ms. Kozik spent 18 years at CIGNA Corporation in a variety of IT roles. Ms. Kozik graduated from Bates College and was the first recipient of the college's Distinguished Young Alumni Award. She is a former Bates College trustee and remains active in alumni activities. Ms. Kozik serves on the Inwood House Corporate Advisory Board and the Charlotte Chamber of Commerce Board of Directors. GEORGE W. MADISON - EXECUTIVE VICE PRESIDENT AND GENERAL COUNSEL George W. Madison is executive vice president and general counsel of TIAA-CREF and a member of its executive management team. He joined the company in June 2003, after six and a half years as Executive Vice President, General Counsel and Corporate Secretary at Comerica Incorporated, where he also served as a member of Comerica's management policy committee and management council. Mr. Madison was previously a partner in the law firm of Mayer, Brown & Platt in New York (now called Mayer Brown Rowe & Maw), practicing banking and structured finance law on behalf of foreign and domestic money center banks. Before joining Mayer, Brown & Platt in 1987, Mr. Madison was an associate with the law firm of Shearman & Sterling in New York. He served as law clerk to the Honorable Nathaniel R. Jones at the U. S. Court of Appeals for the Sixth Circuit in Cincinnati. Mr. Madison is a member of the American Bar Association, the American Law Institute, the American Judicature Society, and the American Corporate Counsel Association. He currently serves as Chair of the American Bar Association's Committee of Corporate General Counsel and is on the Executive Committee of The Association of the Bar of the City of New York. He received the Judge Learned Hand Award from the American Jewish Committee, and holds a Juris Doctor degree from Columbia Law School, an MBA from Columbia Business School, and a BS degree from New York University's Stern School of Business. He is the recipient of the NAACP 1997 Invaluable Pro Bono Legal Services Award, the MCCA's 1998 Diversity 2000 Award, the Detroit Metropolitan Bar Association's 2003 Distinguished Service Award, and the 2003 State Bar of Michigan's President's Choice Award. I. STEVEN GOLDSTEIN - EXECUTIVE VICE PRESIDENT FOR PUBLIC AFFAIRS I. Steven Goldstein is Executive Vice President for Public Affairs at TIAA-CREF. He oversees TIAA-CREF's marketing strategy, advertising, corporate communications and both the Internet and Intranet. In addition, Mr. Goldstein is responsible for the organization's relationships with federal and state government officials and educational associations. Mr. Goldstein joined TIAA-CREF in 2003 after advising McKinsey & Company on restructuring its communications group and evaluating its global reputation. Previously, he served as vice president and chief spokesperson for Dow Jones & Co. and its main subsidiary, The Wall Street Journal. From 1993 to 2001, Mr. Goldstein served as senior vice president of the Insurance Information Institute in New York, directing its press offices in New York, Washington and Los Angeles. Earlier, he worked in the first Bush Administration as Assistant to the Secretary and as Director of the Office of Public Affairs in the U.S. Department of the Interior. He came to that position after working for several members of the U.S. House of Representatives. Nashville, Tennessee native, Mr. Goldstein holds a BA degree from the University of Arizona. He began his professional career as a Social Studies and English teacher in a Tucson high school. SELECTED FINANCIAL DATA 31/12/03 US$'000 Income Income before taxes Net income Total assets 9,773,000 1,258,000 504,000 314,582,000 31/12/04 US$'000 9,806,000 1,623,000 540,000 346,346,000

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BANKING & FINANCE

UBS AG

UBS AG Bahnhofstrasse 45 CH-8098 Zurich Switzerland Tel: +41 1 234 11 11 Fax: +41 1 236 51 11 [email protected] www.ubs.com Ticker Symbol: Swiss: USBN. New York: UBS Date of Establishment: 1998 Number of Employees: 67,424 ACTIVITIES UBS AG provides banking and financial services. Formed in 1998 through the merger of merger of Union Bank of Switzerland and Swiss Bank Corporation. The Bank operates through four business groups and the Corporate Center:· Wealth Management & Business Banking: comprised of two business units: Wealth Management providing products and services for affluent Swiss and international clients; Business Banking Switzerland providing a full range of banking services to individual and corporate clients. · Global Asset Management: providing investment products and services to institutional investors and wholesale intermediaries. · Investment Bank: comprised of two business units: Investment Banking & Securities providing products, research, advice and access to the world's capital markets for intermediaries, governments, corporate and institutional clients. Private Equity is the private equity business unit of Investment Bank, investing UBS and third-party funds, primarily in unlisted companies. · Wealth Management USA: providing wealth management services to affluent US clients. · Corporate Center: in addition to ensuring central functions this group holds private label banks. QUICK FACTS 2004 vs. 2003 total operating income by business group:· · · · · Wealth Management & Business Banking CHF 12,855 mn vs. CHF 11,977 mn Global Asset Management CHF 2,022 mn vs. CHF 1,737 mn Investment Bank CHF 16,224 mn vs. CHF 14,080 mn Wealth Management USA CHF 5,101 mn vs. CHF 5,187 mn Corporate Center CHF 1,200 mn vs. CHF 991 mn REGION: Europe SECTOR: Banking and Finance SIC Codes: 6021

2004 vs. 2003 total assets by business group:· · · · Wealth Management & Business Banking CHF 374,853 mn vs. CHF 312,520 mn Global Asset Management CHF 29,334 mn vs. CHF 21,928 mn Investment Bank CHF1,473,726 mn vs. CHF 1,151,750 mn Wealth Management USA CHF 51,850 mn vs. CHF 46,837 mn

2004 vs. 2003 total operating income by geographic location:· · · · Switzerland CHF14,949 mn vs. CHF 13,278 mn Rest of Europe/Africa/Middle East CHF 10,379 mn vs. CHF 6,057 mn Americas CHF 13,615 mn vs. CHF 12,923 mn Asia Pacific CHF2,126 mn vs. CHF 1,714 mn

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2004 vs. 2003 total assets by geographic location:· · · · Switzerland CHF189,019 mn vs. CHF 180,629 mn Rest of Europe/Africa/Middle East CHF 564,336 mn vs. CHF 430,901 mn Americas CHF 829,845 mn vs. CHF 688,762 mn Asia Pacific CHF151,584 mn vs. CHF 85,708 mn

BANKING & FINANCE

Return on shareholders' equity by year:· · · · · COMPETITORS 2000 2001 2002 2003 2004 21.5% 11.7% 8.9% 17.8% 24.7%

· Crédit Suisse Group · Citigroup Inc · HSBC Holdings plc

BOARD OF DIRECTORS Marcel Ospel, Chairman Stephan Haeringer, Executive Vice Chairman Marci Suter, Executive Vice Chairman Peter Bockli, Non-Executive Vice Chairman Ernesto Bertarelli, Director Sir Peter Davis, Director Rolf A Meyer, Director Helmut Panke, Director Peter Spuhler, Director Peter R Voser, Director Lawrence A Weinbach, Director EXECUTIVES Peter A Wuffli, Group CEO John P Costas, Deputy Group CEO, Chairman and CEO Investment Bank John A Fraser, Chairman and CEO Global Asset Management Huw Jenkins, CEO Investment Bank Peter Kurer, Group General Counsel Marcel Rohner, Chairman and CEO Global Wealth Management & Business Banking Clive Standish, Group CFO Mark B Sutton, Chairman and CEO Wealth Management USA Mark Branson, Chief Communication Officer BIOGRAPHIES PETER A WUFFLI - GROUP CEO Peter A. Wuffli was appointed President of the Group Executive Board in December 2001 and Group CEO in September 2003. Previously, he was Chairman and CEO of UBS Asset Management and, before that, UBS Group Chief Financial Officer. From 1994 to 1998, he was the Chief Financial Officer at SBC and a member of SBC's Group Executive Board. In 1984, he joined McKinsey & Co as management consultant and in 1990 became a partner of McKinsey Switzerland's senior management. Mr. Wuffli was born on 26 October 1957. He is a Swiss citizen. CLIVE STANDISH - GROUP CFO Clive Standish is Group Chief Financial Officer. Between 2002 and 2004, he served as Chairman and CEO Asia Pacific. In 1998, he was named CEO Asia Pacific Warburg Dillon Read. Between 1991 and 1998, Mr. Standish was with Swiss Bank Corporation (SBC). In 1997, he was appointed Deputy Chairman Asia Pacific of SBC Warburg Dillon Read. Between 1994 and 1997, he served as Managing Director and CEO of SBC Warburg Dillon Read Australia. In 1991, he was appointed Head of Capital Markets and Managing Director of SBC Dominguez Barry Limited. Between 1983 and 1991, Mr. Standish was Founding Executive Director at Dominguez Barry Samuel Montagu Limited. He was born on 17 March 1953 and is a British citizen. JOHN P COSTAS - DEPUTY GROUP CEO, CHAIRMAN AND CEO INVESTMENT BANK Before becoming CEO of UBS Investment Bank in December 2001, Chairman in September 2002 and Deputy Group CEO in May 2004, John P. Costas was the President and Chief Operating Officer of UBS Warburg. He served from 1996 to 1997 as Head of US Fixed Income and Derivatives at UBS, becoming Global Head of Fixed Income at Warburg Dillon Read in 1998. In 1999, he also took over the position of Chief Operating Officer for UBS Warburg, and became a member of the Group Managing Board. Before joining UBS in 1996, Mr Costas worked at Credit Suisse First Boston as Co-Head of Global Fixed Income. Mr Costas was born on 27 January 1957. He is a US citizen.

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JOHN A FRASER - CHAIRMAN AND CEO GLOBAL ASSET MANAGEMENT

BANKING & FINANCE

John A. Fraser has been Chairman and CEO of UBS Global Asset Management since 2001. Before his appointment to this role, he served as President and COO of UBS Asset Management. Mr. Fraser joined the Group in Australia in 1993 and was named Head of Asia Pacific for the Business Group in 1999. Before joining UBS, Mr. Fraser was Deputy Secretary (Economic) of the Australian Treasury. Between 1973 and 1993, he held various positions in the Australian Treasury, including international postings at the IMF and Minister (Economic) at the Australian Embassy in Washington DC. Mr. Fraser was awarded the Centenary Medal in 2003 by the Australian Government for services to the Australian community in relation to business and economics. He was born on 8 August 1951 and is an Australian citizen. MARK B SUTTON - CHAIRMAN AND CEO WEALTH MANAGEMENT USA Mark B. Sutton is Chairman and CEO of UBS Wealth Management USA. In 2002 he was named President and Chief Operating Officer of UBS Wealth Management USA, in 2001 Head of U.S. Private Client Group. He was with PaineWebber, Inc. between 1995 and 2000. In 1998, he was named President in the Private Client Group. In 1995, he became EVP, after the acquisition of Kidder, Peabody & Co, where, between 1992 and 1994, he served as CEO of the Investment Services Division and CEO of the Brokerage Unit respectively. Previously he was active at Mitchell Hutchins Asset Management, a subsidiary of PaineWebber. Between 1984 and 1987, he served as Division Manager at PaineWebber, Austin (Texas). Mr. Sutton first joined a predecessor company of PaineWebber in 1980. He was born on 19 October 1954 and is a US citizen. SELECTED FINANCIAL DATA 31/12/01 CHF'000 Total operating income Profit before tax Net profit Shareholders' equity Total assets Earnings per share Dividends per share ANALYST COVERAGE ABN Amro Bank am Bellevue Bank Hofmann Bankhaus Delbrück & Co. BBVA Cazenove & Co. CDC IXIS Securities Cheuvreux Commerzbank Credit Suisse First Boston Deutsche Bank Dresdner Kleinwort Wasserstein Enskilda Securities Execution Gilissen Securities Goldman Sachs HSBC Securities ING Intermonte Securities J.P. Morgan Keefe, Bruyette & Woods Kepler Equities Landesbank Baden-Württemberg Lehman Brothers Lombard Odier Darrier Hentsch Merrill Lynch Morgan Stanley Natexis Capital Pictet & Cie Sal. Oppenheim Sanford C.Bernstein Sarasin Citigroup Société Générale Swissfirst Vontobel WestLB Williams deBröe Zürcher Kantonalbank 37,017,000 4,964,000 3,234,000 59,282,000 1,361,920,000 CHF3.93 31/12/02 CHF'000 34,487,000 5,749,000 5,546,000 55,576,000 1,296,938,000 CHF2.92 CHF2.00 31/12/03 CHF'000 33,914,000 8,705,000 6,513,000 53,174,000 1,699,007,000 CHF5.59 CHF2.60 31/12/04 CHF'000 41,225,000 11,359,000 8,818,000 52,668,000 1,903,186,000 CHF7.68 CHF3.00

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BANKING & FINANCE

UFJ Holdings Inc

UFJ Holdings Inc 3-5-6 Fushimimachi Chuo-ku Osaka 541-8530 Japan Tel: +81 6 6228 7111 Fax: +81 3 3212 5870 www.ufj.co.jp Ticker Symbol: Tokyo: 8307 Date of Establishment: 2001 Number of Employees: 23,000 ACTIVITIES UFJ Holdings Inc is a financial holding with banking and financial operations run through the principal subsidiaries UFJ Bank and UFJ Trust. Formed in April 2001 through the merger of Tokai Bank and Sanwa Bank to form UFJ Bank and Toyo Trust and Banking Company which became UFJ Trust. The Company is due to merge with Mitsubishi Tokyo Financial Group Inc in October 2005. QUICK FACTS 2004 total assets by geographic region as follows:· · · · Japan ¥79,764,300 mn Americas ¥3,118,486 mn Europe ¥3,376,740 mn Asia/Oceania (excluding Japan) ¥2,249,628 mn REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6712

2004 ordinary income by geographic region as follows:· · · · Japan ¥2,161,932 mn Americas ¥146,335 mn Europe ¥122,747 mn Asia/Oceania (excluding Japan) ¥96,237 mn

2004 total assets by segment as follows:· Banking/Trust Business ¥79,037,411 mn · Leasing ¥808,038 mn · Other ¥9,661,804 mn 2004 ordinary income by segment as follows:· Banking/Trust Business ¥2,234,174 mn · Leasing ¥225,166 mn · Other ¥312,666 mn

COMPETITORS

· Sumitomo Mitsui Financial Group Inc · Mitsubishi Tokyo Financial Group Inc · Mizuho Financial Group Inc

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BOARD OF DIRECTORS Ryosuke Tamakoshi, Chairman Iwao Okijima, Director Hiroshi Hamada, Director Shosaku Yasui, Director Toshihide Mizuno, Senior Executive Officer Takamune Okihara, President and CEO of UFJ Bank Shintaro Yasuda, President of UFJ Trust EXECUTIVES Toshihide Mizuno, Senior Executive Officer Takamune Okihara, President and CEO of UFJ Bank Shintaro Yasuda, President of UFJ Trust Youichi Fukae, Senior Executive Officer Katsuyoshi Narumiya, Executive Officer

BANKING & FINANCE

SELECTED FINANCIAL DATA 31/3/03 ¥000,000 Total revenues (Loss) before taxes Net (loss) Shareholders' equity Total assets (Loss) per share Dividends per share ANALYST COVERAGE BNP Paribas Securities (Japan) Limited Credit Suisse First Boston Securities (Japan) Limited Daiwa Institute of Research Ltd Deutsche Securities Limited Goldman Sachs (Japan) Ltd HSBC Securities (Japan) Limited JP Morgan Securities Asia Ptc Limited Lehman Brothers Japan Inc Macquarie Securities (Japan) Limited Merrill Lynch Japan Securities Co Ltd Mizuho Securities Co Ltd Morgan Stanley Japan Limited Nikko Citigroup Limited The Nomura Securities Co Ltd UBS Securities Japan Limited LOCATIONS · OVERSEAS OFFICES · UNITED STATES New York Branch Park Avenue Plaza 55 East 52nd Street New York NY 10055 USA Tel: +1 212 339 6300 Fax: +1 212 754 1851 Chicago Branch 10 South Wacker Drive Suite 1825 Chicago Illinois 60606 USA Tel: +1 312 368 3000 Fax: +1 312 346 6677 2,520,659 (618,946) (608,923) 1,864,344 80,207,409 (¥126,805.12) ¥37,500 31/3/04 ¥000,000 2,689,911 (331,745) (402,806) 1,665,098 82,134,447 (¥82,174.74) ¥37,500

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Houston Representative Office 1200 Smith Street Houston Texas 77002 USA Tel: +1 713 654 9970 Fax: +1 713 654 1462 Los Angeles Branch 601 South Figueroa Street Los Angeles California 90017 USA Tel: +1 213 533 7400 Fax: +1 213 533 7494 San Francisco Branch One Front Street Suite 1800 San Francisco California 94111 USA Tel: +1 415 981 9180 Fax: +1 415 788 5459 Kentucky Representative Office 7310 Turfway Road Suite 210 Florence Kentucky 41042 USA Tel: +1 859 746 1800 Fax: +1 859 746 1799 · CAYMAN ISLANDS Cayman Branch c/o CIBC Bank and Trust Company (Cayman) Limited PO Box 694 Grand Cayman Cayman Islands · UNITED KINGDOM London Branch P.O.Box 36 City Place House 55 Basinghall Street London EC2V 5DL United Kingdom Tel: +44 20 7330 5000 Fax: +44 20 7330 5555 · GERMANY Düsseldorf Branch 3rd Floor Wehrhahn Center Oststrasse 10 40211 Düsseldorf Germany Tel: +49 211 160000 Fax: +49 211 359703 · IRAN Tehran Representative Office 4th Floor of a Building Registered under No.6933/6985 No.34/1 Haghani Expressway Tehran Iran Tel: +98 21 879 1105 Fax: +98 21 879 1106

BANKING & FINANCE

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· HONG KONG Hong Kong Branch Fairmont House 8 Cotton Tree Drive Central Hong Kong Tel: +852 2843 3888 Fax: +852 2840 0730 Kowloon Sub-branch Room 1701 Miramar Tower 132 Nathan Road Tsimshatsui Kowloon Hong Kong Tel: +852 2378 5111 Fax: +852 2730 3566 · CHINA Shanghai Branch 16th Floor Marine Tower No. 1 Pudong Avenue Shanghai China Tel: +86 21 5879 3818 Fax: +86 21 5879 3816 Tianjin Branch Room 811 Tianjin International Building 75 Nanjing Lu Tianjin China Tel: +86 22 2330 4852 Fax: +86 22 2330 4660 Beijing Branch Room 410 Office Tower 2 Henderson Centre 18 Jianguomennei Dajie Beijing China Tel: +86 10 6518 2780 Fax: +86 10 6518 2770 Dalian Branch 13th Floor Senmao Building 147 Zhongshan Road Dalian China Tel: +86 411 8360 3111 Fax: +86 411 8360 3377 Shenzhen Branch 17th Floor Shenzhen International Financial Building 2022 Jian She Road Shenzhen Guangdong Province China Tel: +86 755 8220 2202 Fax: +86 755 8222 8135 Guangzhou Representative Office Room No.3604 CITIC PLAZA 233 Tianhe N. Road Tianhe District Guangzhou China Tel: +86 20 3877 0725 Fax: +86 20 3877 0795

BANKING & FINANCE

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· TAIWAN Taipei Branch 32 & 33F No. 66 Section 1 Chung-Hsiao West Road Taipei Taiwan Tel: +886 2 2371 8888 Fax: +886 2 2371 8000 · SOUTH KOREA Seoul Branch Lotte Building 22nd Floor 1 Sogong-Dong Chung-ku Seoul South Korea Tel: +82 2 752 7321 Fax: +82 2 754 3870 · SINGAPORE Singapore Branch 6 Raffles Quay #24-01 John Hancock Tower Singapore 048580 Singapore Tel: +65 6538 4838 Fax: +65 6538 4636 · THAILAND Bangkok International Banking Facility 28th Floor Bangkok City Tower 179/117-119 South Sathorn Road Thungmahamek Sathorn Bangkok 10120 Thailand Tel: +66 2684 0900 Fax: +66 2287 3412 · MALAYSIA Labuan Branch Level 10(D) Main Office Tower Financial Park Labuan IOFC Jalan Merdeka 87000 Federal Territory of Labuan Malaysia Tel: +60 87 419200 Fax: +60 87 419202 Kuala Lumpur Marketing Office Level 11 Menara Dion 27 Jalan Sultan Ismail 50250 Kuala Lumpur Malaysia Tel: +60 3 2032 4722 Fax: +60 3 2032 4733 2031-5239 · INDIA New Delhi Branch Upper Ground Floor Mercantile House 15 Kasturba Gandhi Marg New Delhi 110001 India Tel: +91 11 2331 8008 Fax: +91 11 2331 5162

BANKING & FINANCE

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· VIETNAM Ho Chi Minh City Branch 18Fl. Sun Wah Tower 115 Nguyen Hue Street District 1 Ho Chi Minh City Vietnam Tel: +84 8 8278 020 Fax: +84 8 8278 021 · SUBSIDIARIES · CANADA UFJ Bank Canada BCE Place Canada Trust Tower P.O. Box 525 Suite 4400 161 Bay Street Toronto Ontario M5J 2S1 Canada Tel: +1 416 366 2583 Fax: +1 416 366 8599 · UNITED STATES UFJ Futures L.L.C. 141 West Jackson Boulevard Suite 1755 Chicago Illinois 60604 USA Tel: +1 312 341 6530 Fax: +1 312 922 7194 · NETHERLANDS UFJ Bank Nederland N.V. Keizersgracht 452 1016 GD Amsterdam The Netherlands Tel: +31 20 627 1616 Fax: +31 20 624 1872 · UNITED KINGDOM UFJ International plc One Exchange Square London EC2A 2JL United Kingdom Tel: +44 20 7638 6030 Fax: +44 20 7588 5875 · SWITZERLAND UFJ Bank (Switzerland) Ltd Badenerstrasse 6 8004 Zurich Switzerland Tel: +41 1 296 1400 Fax: +41 1 296 1496 · HONG KONG Hong Kong Representative Office 6th Floor The Hong Kong Club Building 3A Chater Rood Central Hong Kong Tel: +852 2971 2100 Fax: +852 2877 0538

BANKING & FINANCE

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· TAIWAN UFJ Finance Taiwan Limited 3F 145 Section 2 Chien Kuo North Road Taipei Taiwan Tel: +886 2 2516 5332 Fax: +886 2 2505 6044 · THAILAND Bangkok UFJ Limited 28th Floor Bangkok City Tower 179/117-119 South Sathorn Road Thungmahamek Sathorn Bangkok 10120 Thailand Tel: +66 2 684 0999 Fax: +66 2 287 3374 · INDONESIA PT Bank UFJ Indonesia Jakarta Head Office PermataBank Tower I 4th & 5th Floors Jl. Jend. Sudirman Kav. 27 Jakarta 12920 Indonesia Tel: +62 21 250 0401 Fax: +62 21 250 0410 Bekasi Sub branch EJIP Center EJIP Industrial Park Lemahabang Bekasi 17550 Indonesia Tel: +62 21 897 5148 Fax: +62 21 897 5159 MM2100 Industrial Town Sub-branch Ruko Mega Mall D-12 MM2100 Industrial Town Cibitung Bekasi 17520 Indonesia Tel: +62 21 898 1167 Fax: +62 21 898 1168 Karawang Sub-branch Graha KIIC Kawasan Industri KIIC Jl. Permata Raya Lot C 1B Karawang 41361 Indonesia Tel: +62 21 8910 8228 Fax: +62 21 8910 8289 Sunter Sub-branch Graha Kirana Building Jl. Yos Sudarso no.88 Jakarta Utara 14350 Indonesia Tel: +62 21 6531 1010 Fax: +62 21 6531 1110

BANKING & FINANCE

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Cengkareng Sub-branch Wisma Soewarna 3rd Floor Suite 3W Soewarna Business Park Block E Lot 1&2 Soekarno-Hatta International Airport Jakarta 19110 Indonesia Tel: +62 21 5591 3600 Fax: +62 21 5591 3601 Cikampek Sub-branch Wisma Bukit Indah 1st Floor Blok L Kota Bukit Indah Purwakarta 41181 Indonesia Tel: +62 264 350 533 Fax: +62 264 350 531 Surabaya Branch Gedung Bumi Mandiri 8th Floor Jl. Basuki Rakhmat 129-137 Surabaya 60271 Indonesia Tel: +62 31 531 9135 Fax: +62 31 531 9144 PT UFJ-BRI Finance Jakarta Head Office Wisma 46 6th Floor Kota BNI Jl. Jend. Sudirman Kav.1 Jakarta 10220 Indonesia Tel: +62 21 574 5333 Fax: +62 21 574 5444 Surabaya Branch 6th Floor Bumi Mandiri Jl. Basuki Rakhmat 129-137 Surabaya 60271 Indonesia Tel: +62 31 531 9121 Fax: +62 31 531 6756 PT U Finance Indonesia PRO Motor Building 3rd Fl. Jl. Teuku Nyak Arif No.14 Simprug Jakarta Selatan 12240 Indonesia Tel: +62 21 7279 2888 Fax: +62 21 7279 1955 Bandung Branch Jl. Lodaya No. 111 Bandung 40264 Tel: +62 22 730 6308 Fax: +62 22 730 5021 Surabaya Branch Jl. Bali No. 12 Surabaya 60281 Indonesia Tel: +62 31 503 7377 Fax: +62 31 503 7378

BANKING & FINANCE

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· AUSTRALIA UFJ Australia Limited Suite 11.01 135 King Street Sydney NSW 2000 Australia Tel: +61 2 9238 6400 Fax: +61 2 9238 6490 · AFFILIATES/ASSOCIATES · BRAZIL Banco Bradesco S.A. Departamento Corporate Japan Desk Av. Paulista 1450 5 Andar Sao Paulo SP Brazil Tel: +55 11 2178 4604 Fax: +55 11 2178 4503 · UNITED KINGDOM UFJ Deutsche Asset Management Limited One Appold Street London EC2A 2UU United Kingdom Tel: +44 20 7545 0565 Fax: +44 20 7545 0552 · THAILAND Siam Commercial Bank Public Company Limited 9 Rutchadapisek Road Ladyao Jatujak Bangkok 10900 Thailand Tel: +66 2 544 3041~2 Fax: +66 2 544 3114 Bangkok Central Leasing Co Ltd 16th Floor Sethiwan Tower 139 Pan Road Silom Bangkok Thailand Tel: +66 2 266 6040 Fax: +66 2 237 4492 · PHILIPPINES Rizal Commercial Banking Corporation Yuchengco Tower RCBC Plaza 6819 Ayala Avenue Makati City 0727 Philippines Tel: +63 2 844 8909 Fax: +63 2 878 3491 Metropolitan Bank and Trust Company Metro Bank Plaza 8F Sen.Gil J.Puyat Avenue Makati City Philippines Tel: +63 2 812 5242 Fax: +63 2 817 6249 · MALAYSIA Bumiputra-Commerce Bank Berhad 22nd Floor 6 Jalan Tun Perak 50050 Kuala Lumpur Malaysia Tel: +60 3 2693 1722 Fax: +60 3 2693 3136

BANKING & FINANCE

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· HONG KONG Dah Sing Financial Holdings Limited 36th Floor Dah Sing Financial Centre 108 Gloucester Road Hong Kong Tel: +852 2507 8866 Fax: +852 2598 5052 Asia Financial Holdings Limited Asia Financial Centre 120 Des Voeux Road Central Hong Kong Tel: +852 2853 4600 Fax: +852 2541 0009

BANKING & FINANCE

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BANKING & FINANCE

UniCredit SpA

UniCredit SpA Piazza Cordusio I-20123 Milano MI Italy Tel: +39 02 88 621 Fax: +39 02 8862 8503 [email protected] www.unicredit.it Ticker Symbol: Italy: UC Date of Establishment: 1998 Number of Employees: 68,571 ACTIVITIES UniCredit SpA provides a full range of banking and financial services REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029

QUICK FACTS The UniCredito Italiano Group was created in 1998 from the merger of Credito Italiano Group and the Unicredito Group COMPETITORS

· Banca Intesa SpA · Capitali SpA · Sanpaolo IMI SpA

BOARD OF DIRECTORS Carlo Salvatori, Chairman Franco Bellei, Deputy Chairman Gianfranco Gutty, Deputy Chairman Fabrizio Palenzona, Deputy Chairman Alessandro Profumo, Managing Director/CEO Roberto Bertazzoni, Director Vincenzo Calandra Buonaura, Director Mario Cattaneo, Director Philippe Citerne, Director Giovanni Desiderio, Director Giancarlo Garino, Director Francesco Giacomin, Director Piero Gnudi, Director Luigi Maramotti, Director Gianfranco Negri-Clementi, Director Carlo Pesenti, Director Giovanni Vaccarino, Director Paolo Vagnone, Director Anthony Wyand, Director Marco Fantazzini, Company Secretary EXECUTIVES Alessandro Profumo, Chief Executive Officer Paolo Fiorentino, Head of Global Banking Service Division Roberto Nicastro, Head of Retail Division Dario Frigerio, Head of Private Banking and Asset Management Division Vittorio Ogliengo, Head of Corporate & SME Division Sergio Ermotti, Head of Multinationals/Investment Banking Division Erich Hampel, Head of CEE Division

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Andrea Moneta, Chief Integration Officer Michael Kemmer, Chief Risk Officer Ranieri de Marchis, Chief Financial Officer Franz Herrlein, Deputy Chief Integration Officer Rino Piazzolla, Head of Human Resources Strategy Johann Berger, Head of Commercial Real Estate Financing BIOGRAPHIES ALESSANDRO PROFUMO - CHIEF EXECUTIVE OFFICER

BANKING & FINANCE

Alessandro Profumo was born in Genoa (Italy) on 17th February 1957. He holds a degree in Business Economics from Bocconi University and worked for Banco Lariano for ten years, between 1977 and 1987. In December 1987 he joined McKinsey & Company where he was in charge of strategic and organisational projects for financial companies. Two years later, having joined Bain, Cuneo & Associati, he was put in charge of developing relations with financial institutions. In 1991 he left the field of management consulting to join RAS, Riunione Adriatica di Sicurtà, where he was given responsibility, as General Manager, for the banking and parabanking sectors. He was also in charge of the yield increase of that company's bank and of the other group companies operating in the field of asset management. Three years later, in 1994, he joined Credito Italiano. He was appointed Deputy General Manager and put in charge of Planning and Group Control. A year later he was appointed Chief General Manager. His appointment as Managing Director came on 29th April 1997. When the UniCredito Italiano banking group came into being in 1998 he became its Chief Executive Officer. PAOLO FIORENTINO - HEAD OF GLOBAL BANKING SERVICE DIVISION He was born in Naples (Italy) on 23rd January 1956. He holds a Degree, "Cum Laude", in Economics and Business from the University of Naples (1981). He started his professional career at Credito Italiano in 1981 where he obtained full experience in the bank's branches dealing with retail and corporate customers. From 1991 to 1994 he was Assistant Chief Manager, in charge of Human Resources and Organization/Audit in one of the significant branches of Credito Italiano. From 1994 to 1996 he was Regional Deputy Chief Manager and Regional Head of Human Resources/Organization. Between 1996-1999 he was Senior Manager and Organization & IT Systems Director at the Head Office of UniCredito Italiano. In 1999 he was appointed Director of the UniCredito integration process, leading the transfer of know-how and best practices among the different commercial banks of the Group and the creation of several group services companies. From October 12th 1999 to 29th August 2003 he was Deputy President of Bank Pekao SA and Chief Operating Officer. In August 2000 he was appointed Deputy Chief Operating Officer of UniCredito Italiano and Head of the New Europe Division. In July 2004 he became Head of Global Banking Services for UniCredit Group. ROBERTO NICASTRO - HEAD OF THE RETAIL DIVISION He was born in Trento (Italy) on 9th December 1964. He is married with 2 children. He holds a degree in Business Administration. From 1989 to 1991 he worked for the M & A Department at Salomon Brothers in London. From 1991 to 1997 he was a Senior Manager at McKinsey & Company, responsible for strategic ad organizations projects for banks, financial institutions regulatory authorities and consumer goods companies in Italy and Latin America. In May 1997 he joined Credito Italiano as Head of Planning and Participations. In October 2000 he was appointed Head of the New Europe Division of the UniCredit Group, where he was in charge of developing and running a leading position in Central and Eastern Europe. In November 2001 he was appointed Group Deputy General Manager. On 1st August 2003 he was appointed Head of Retail Division of UniCredit Group and Chief Executive Officer of UniCredit Banca, the Group's bank in charge of Italian Retail. DARIO FRIGERIO - HEAD OF THE PRIVATE BANKING AND ASSET MANAGEMENT DIVISION He was born in Monza (Italy) in 1962. Married, 2 children. He graduated in economics at Bocconi University, Milan with first class honours and distinction. After two years spent in university, his professional career started in 1988, when he joined Credito Italiano as a Financial Analyst.

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BANKING & FINANCE

In 1989 he worked in International and Domestic Treasury Management and in 1991 moved to Proprietary and Asset and Liability Management, becoming Head of Fixed Income & Currency in 1995 within Asset Management. In 1997 he became Chief Investment Officer, CreditRolo Gestioni SpA, and held the same post at EuroPlus Research & Management, Ireland from 1998 and then that of Chief Executive Officer, Pioneer Investment Management Limited, Ireland from 2000. Moved to Boston in 2001 when he became Chief Executive Officer of Pioneer Global Asset Management, in July 2004 he was appointed Group Deputy General Manager of UniCredit and Chief Executive Officer of UniCredit Private Banking, the Group's bank serving Italian private customers. RANIERI DE MARCHIS - CHIEF FINANCIAL OFFICER Ranieri de Marchis was born in Livorno (Italy) on 8 January 1961. He holds a degree in Economics from the L.U.I.S.S. University in Rome and a Master in Business Administration - INSEAD - Fontainbleau. In 1987 he joined Italcable as Financial Analyst and in 1988 he moved to Procter & Gamble. From 1990 to 2003 he worked for GENERAL ELECTRIC GROUP: from 1990 to 1997 he was appointed Chief Auditor - Area Europe; from 1995 1997 he was appointed Head of Finance and Commercial Development; from 1996 - 1997 he was appointed Chief Financial Planning for GE Power Systems. 1997 - 2001 in Nuovo Pignone he was appointed General Manager - Finance. In 2001 he was promoted Vice President, Chief Financial Officer General Electric, Oil & Gas Division. He joined UniCredito Italiano Spa in May 2003 as CFO for the group. SELECTED FINANCIAL DATA 31/12/01 '000 Total revenues Profit before tax Net income Shareholders' equity Total assets Dividends per share Earnings per share ANALYST COVERAGE Actinvest Group Ltd Banca Leonardo Caboto IntesaBci Centrosim Credit Agricole Indosuez Cheuvreux Dresdner Kleinwort Benson Securities Limited Exane BNP Paribas Goldman Sachs International ING Financial Markets IXIS Securities Keefe, Bruyette & Woods Mediobanca Morgan Stanley Dean Witter Rasbank Santander Central Hispano Bolsa UBM WestLB AG Banca IMI BBVA Bolsa Cazenove Group Ltd Citigroup Smith Barney Deutsche Bank Euromobiliare Sim Fox-Pitt, Kelton HSBC Bank Intermonte Securities J.P. Morgan Securities Lehman Brothers Merrill Lynch Oddo Securities Sal Oppenheim Société Générale UBS Warburg 9,989,000 1,454,000 9,535,000 208,388,000 0.141 0.28 31/12/02 '000 10,099,000 1,801,000 12,261,000 213,349,000 0.158 0.29 31/12/03 '000 10,448,000 3,201,000 1,961,000 13,013,000 238,256,000 0.171 0.31 31/12/04 '000 10,375,000 2,988,000 2,131,000 14,036,000 265,855,000 0.205 0.34

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LOCATIONS · UniCredit Banca Via Zamboni, 20 40126 Bologna BO www.unicreditbanca.it · UniCredit Private Banking Via Alfieri, 7 10121 Torino Tel: +39 011 5605111 [email protected] www.unicreditprivate.it · Banca per la Casa Via Calabria, 31 20158 Milano Tel: +39 02 33224.1 www.unicreditcasa.it · UniCredit Banca Mediocredito Via Alassio, 11/c 10126 Torino Tel: +39 011 6675111 www.bancamediocredito.it · UniCredit Banca d'Impresa Via Garibaldi, 1 37121 Verona Tel: +39 045 8081111 www.unicreditimpresa.it · UniCredit Xelion Banca Via Pirelli, 32 20124 Milano Tel: +39 02 67360.1 Fax +39 02 67360.654 www.xelion.it · UniCredit Clarima Banca Via Calabria, 31 20100 Milano [email protected] www.clarima.it

BANKING & FINANCE

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BANKING & FINANCE

US Bancorp

US Bancorp 800 Nicollet Mall Minneapolis, MN 55402 United States Tel: +1 651 466 3000 [email protected] www.usbank.com Ticker Symbol: New York: USB Number of Employees: 48,830 ACTIVITIES U.S. Bancorp is a multi-state financial services holding company providing a full range of financial services including lending and depository services through banking offices, the Company also engages in credit card, merchant, and ATM processing, mortgage banking, insurance, trust and investment management, brokerage and leasing activities principally in domestic markets. The Company operates through five operating segments:· Wholesale Banking provides lending, depository, treasury management and other financial services. · Consumer Banking provides products and services to the broad consumer market and small businesses. · Private Client, Trust and Asset Management provides trust, private banking, financial advisory, investment management and mutual fund services · Payment Services includes consumer and business credit cards, debit cards, corporate and purchasing card services, consumer lines of credit, ATM processing and merchant processing · Treasury and Corporate Support includes the Company's investment portfolios, funding, capital management and asset securitization activities QUICK FACTS Return on average equity by year:· · · · · 2000 2001 2002 2003 2004 19.0% 9.0% 18.3% 19.2% 21.4% REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029

The Bank operates through 2,383 banking offices in 24 states and over 4,877 ATMs COMPETITORS

· Wells Fargo & Company · JPMorgan Chase & Co · Bank of America Corporation

BOARD OF DIRECTORS Jerry A Grundhofer, Chairman and CEO Victoria Buyniski Gluckman, Director Arthur D Collins Jr, Director Peter H Coors, Director Joel W Johnson, Director Jerry W Levin, Director David B O'Maley, Director

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O'dell M Owens, Director Richard G Reiten, Director Craig D Schnuck, Director Warren R Staley, Director Patrick T Stokes, Director EXECUTIVES Jerry A Grundhofer, Chairman and CEO Jennie P Carlson, Executive Vice President, Human Resources Andrew Cecere, Vice Chairman William L Chenevich, Vice Chairman Richard K Davis, President and Chief Operating Officer Michael J Doyle, Executive Vice President and Chief Credit Officer Richard C Hartnack, Vice Chairman Joseph E Hasten, Vice Chairman Richard J Hidy, Executive Vice President and Chief Risk Officer Pamela A Joseph, Vice Chairman Lee R Mitau, Executive Vice President and General Counsel David M Moffett, Vice Chairman and Chief Financial Officer Joseph M Otting, Vice Chairman Jamie Goia, Vice President and General Manager Vendor Finance Group, US Bancorp Equipment Finance Inc BIOGRAPHIES JERRY A. GRUNDHOFER - CHAIRMAN AND CEO

BANKING & FINANCE

Mr. Grundhofer is Chairman and Chief Executive Officer of U.S. Bancorp. Mr. Grundhofer, 60, has served as Chief Executive Officer of U.S. Bancorp since the merger of Firstar Corporation and U.S. Bancorp in February 2001 and as Chairman since December 30, 2002. He also served as President from the time of the merger until October 2004. Prior to the merger, Mr. Grundhofer was President and Chief Executive Officer of Firstar Corporation, having served as Chairman, President and Chief Executive Officer of Star Banc Corporation from 1993 until its merger with Firstar Corporation in 1998. DAVID M. MOFFETT - VICE CHAIRMAN AND CHIEF FINANCIAL OFFICER Mr. Moffett is Vice Chairman and Chief Financial Officer of U.S. Bancorp. Mr. Moffett, 53, has served in these positions since the merger of Firstar Corporation and U.S. Bancorp in February 2001. Prior to the merger, he was Vice Chairman and Chief Financial Officer of Firstar Corporation, and had served as Chief Financial Officer of Star Banc Corporation from 1993 until its merger with Firstar Corporation in 1998. MICHAEL J. DOYLE - EXECUTIVE VICE PRESIDENT AND CHIEF CREDIT OFFICER Mr. Doyle is Executive Vice President and Chief Credit Officer of U.S. Bancorp. Mr. Doyle, 48, has served in these positions since January 2003. Until that time, he served as Executive Vice President and Senior Credit Officer of U.S. Bancorp since the merger of Firstar Corporation and U.S. Bancorp in February 2001. From 1999 until the merger, he was Executive Vice President and Chief Approval Officer of Firstar Corporation, and had served as Senior Vice President of Firstar Corporation and Star Banc Corporation, a predecessor company, since 1994. RICHARD K. DAVIS - PRESIDENT AND CHIEF OPERATING OFFICER Mr. Davis is President and Chief Operating Officer of U.S. Bancorp. Mr. Davis, 47, has served in these capacities since October 2004. From the time of the merger of Firstar Corporation and U.S. Bancorp in February 2001 until October 2004, Mr. Davis served as Vice Chairman of U.S. Bancorp. From the time of the merger, Mr. Davis was responsible for Consumer Banking, including Retail Payment Solutions (card services), and he assumed additional responsibility for Commercial Banking in 2003. Previously, he had been Vice Chairman of Consumer Banking of Firstar Corporation from 1998 until 2001 and Executive Vice President, Consumer Banking of Star Banc Corporation from 1993 until its merger with Firstar Corporation in 1998. JENNIE P. CARLSON - EVP, HUMAN RESOURCES Ms. Carlson is Executive Vice President of U.S. Bancorp. Ms. Carlson, 44, has served as Executive Vice President, Human Resources since January 2002. Until that time, she served as Executive Vice President, Deputy General Counsel and Corporate Secretary of U.S. Bancorp since the merger of Firstar Corporation and U.S. Bancorp in February 2001. From 1995 until the merger, she was General Counsel and Secretary of Firstar Corporation and Star Banc Corporation, a predecessor company, as well as Senior Vice President from 1994 to 1999 and Executive Vice President from 1999 to 2001.

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SELECTED FINANCIAL DATA 31/12/01 US$'000 Total net revenues Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share ANALYST COVERAGE A.G. Edwards & Sons Inc Advest Inc Banc of America Bear Stearns CS First Boston Deutche Bank Securities Inc Fox-Pitt Kelton FTN Midwest Research Goldman Sachs & Company J.J.B. Hilliard W.L. Lyons J.P. Morgan Keefe Bruyette & Wood Key Bancorp/McDonald Investments Inc. Lehman Brothers Merrill Lynch Morgan Stanley/DW Piper Jaffray Prudential Securities Inc Raymond James & Associates Inc. RBC Capital Markets Robert W. Baird & Company Salomon Smith Barney Sandler O'Neill & Partners Stifel Nicolaus UBS Warburg 11,074,600 2,396,800 1,478,800 171,390,000 16,426,000 US$0.77 US$0.75 31/12/02 US$'000 12,057,900 4,968,400 3,168,100 180,027,000 17,273,000 US$1.65 US$0.78 31/12/03 US$'000 12,530,500 5,679,600 3,732,600 189,471,000 19,393,000 US$1.94 US$0.855

BANKING & FINANCE

31/12/04 US$'000 12,659,100 6,205,000 4,166,800 195,104,000 19,459,000 US$2.21 US$1.020

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BANKING & FINANCE

Wachovia Corporation

Wachovia Corporation 301 South College Street One Wachovia Center Charlotte, NC 28288-0013 United States Tel: +1 704 374 6565 Fax: +1 704 374 3425 [email protected] www.wachovia.com Ticker Symbol: New York: WB Date of Establishment: 2001 Number of Employees: 96,030 ACTIVITIES Wachovia Corporation provides banking and financial services. Formed in 2001 as a result of the merger between First Union Corporation and the former Wachovia Corporation. As a result of the merger, First Union changed its name to Wachovia Corporation. The Company operates through five business segments:· · · · · General Bank Capital Management Wealth Management Corporate and Investment Bank Parent REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029

QUICK FACTS 2004 total revenue by segment:· · · · · General Bank $10,645 mn Capital Management $5,455 mn Wealth Management $1,071 mn Corporate and Investment Bank $5,244 mn Parent $575 mn

2004 employees by segment:· · · · · COMPETITORS General Bank 43,388 Capital Management 19,579 Wealth Management 3,833 Corporate and Investment Bank 4,763 Parent 24,467

· Bank of America Corporation · SunTrust Banks Inc · Citigroup Inc

BOARD OF DIRECTORS John D Baker II, Director James S Balloun, Director Robert J Brown, Director

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Peter C Browning, Director John T Casteen III, Director William H Goodwin Jr, Director Robert A Ingram, Director Donald James, Director Wallace D Malone, Vice Chairman Mackey J McDonald, Director Joseph Neubauer, Director Lloyd U Noland III, Director Van Richey, Director Ruth G Shaw, Director Lanty L Smith, Director G Kennedy Thompson, Chairman, President and Chief Executive Officer John C Whitaker Jr, Director Dona Davis Young, Director EXECUTIVES Ken Thompson, Chairman, President and Chief Executive Officer Thomas J. Wurtz, Chief Financial Officer David Carroll, Head of Capital Management Group Thomas Coley, Southern Banking Group Executive Steve Cummings, Senior Executive Vice President Head, Corporate and Investment Banking Jean Davis, Senior Executive Vice President and Head of Information Technology, eCommerce and Operations Reggie Davis, CEO, Atlantic Region Glenn Eubanks, Head of Real Estate Financial Services, General Bank Ben Jenkins, Senior Executive Vice President and President of the General Bank Stan Kelly, Senior Executive Vice President and President of Wealth Management Danny Ludeman, President & CEO Wachovia Securities, LLC Wallace Malone, Vice Chairman Shannon McFayden, Head of Human Resources and Corporate Relations Frank Schmidt, Co-Head of Merger Integration Cece Sutton, Head of the Retail Bank Mark Treanor Senior Executive Vice President, General Counsel and Head of the Legal Division Don Truslow, Senior Executive Vice President and Chief Risk Officer Ben Williams, Head of Global Capital Markets Tom Wurtz, Head of Treasury and Planning

BANKING & FINANCE

SELECTED FINANCIAL DATA 31/12/01 US$'000 Total income Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share 2,452,000 1,619,000 330,534,000 20,218,000 US$1.47 US$0.96 31/12/02 US$'000 23,522,000 4,667,000 3,579,000 342,033,000 30,384,000 US$2.62 US$1.00 31/12/03 US$'000 25,101,000 6,080,000 4,247,000 401,188,000 32,135,000 US$3.10 US$1.25 31/12/04 US$'000 28,067,000 7,633,000 5,214,000 493,324,000 35,295,000 US$3.87 US$1.66

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BANKING & FINANCE

Washington Mutual Inc

Washington Mutual Inc 1201 3rd Avenue Seattle, WA 98101 United States Tel: +1 206 461 2000 Fax: +1 206 554 4807 [email protected] www.wamu.com Ticker Symbol: New York: WM Date of Establishment: 1889 Number of Employees: 52,579 ACTIVITIES Washington Mutual Inc provides banking and financial services. The Bank operates through three segments:· Retail Banking and Financial Services · Mortgage Banking · Commercial QUICK FACTS 2004 vs. 2003 net income by segment:· Retail Banking and Financial Services $1,980 mn vs. $1,498 mn · Mortgage Banking $570 mn vs. $1,298 mn · Commercial $633 mn vs. $783 mn COMPETITORS REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029

· Bank of America Corporation · Wells Fargo & Company · Golden West Financial Corporation

BOARD OF DIRECTORS Kerry K Killinger, Chairman and CEO Douglas P Beighle, Director Anne V Farrell, Director Stephen E Frank, Director Thomas C Leppert, Director Charles Lillis, Director Phillip D Matthews, Director Michael K Murphy, Director Margaret Osmer McQuade, Director Mary E Pugh, Director William G Reed Jr, Director William D Schulte, Director Orin C Smith, Director James H Stever, Director Willis B Wood Jr, Director EXECUTIVES Kerry K Killinger, Chairman and Chief Executive Officer Stephen J Rotella, President and Chief Operating Officer Michael Amato, President, Retail Banking Distribution

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Thomas W Casey, Executive Vice President and Chief Financial Officer Craig J Chapman, President, Commercial Group Fay L Chapman, Senior Executive Vice President and General Counsel Daryl D David, Executive Vice President, Human Resources Debora Horvath, Executive Vice President and Chief Information Officer Ken Kido, President, Retail Bank Products & Operations William A Longbrake, Vice Chair Benson Porter, Executive Vice President and Chief Administrative Officer David C Schneider, President, Home Loans James G Vanasek, Executive Vice President and Chief Enterprise Risk Officer John F Woods, Controller · Senior Managers: Consumer Group: Dyan Beito, Executive Vice President, Enterprise Contact Center Genevieve Smith, Executive Vice President, Customer Optimization Commercial Group: Michael Allison, Executive Vice President, Commercial Real Estate Al Brooks, Executive Vice President & Chief Lending Officer Edward Ely, Executive Vice President, Multi-family Lending Frank Hattemer, Executive Vice President, Mortgage Banker Finance Keith Johnson, Executive Vice President, Commercial Group and President, Long Beach Mortgage Company Anthony Meola, Executive Vice President, Home Loans Production Technology Solutions Group: Annie Searle, Senior Vice President, Enterprise Risk Services Mike Spalter, Senior Vice President, Infrastructure Services Corporate Administration: Reza Aghamirzadeh, Senior Vice President, Community and External Affairs Todd Baker, Executive Vice President, Corporate & Investor Strategy David Beck, Executive Vice President, Capital Markets Group Rob Miles, Senior Vice President, Controller BIOGRAPHIES KERRY KILLINGER - CHAIRMAN AND CHIEF EXECUTIVE OFFICER

BANKING & FINANCE

Kerry Killinger serves as chairman and chief executive officer of Seattle-based Washington Mutual, Inc. (NYSE: WM), a national financial services retailer, serving the needs of mass-market consumers, as well as small and medium-sized businesses. In this role, he also chairs the company's executive team, which is responsible for developing and overseeing the strategic direction and operating priorities of the business. Under his leadership, WaMu has grown into the nation's sixth largest financial services company with an employee base of over 50,000 people. In 2001, American Banker magazine named him its "Banker of the Year." Killinger joined WaMu in 1982 through the acquisition of Murphey Favre, Inc., the Northwest's oldest securities brokerage firm, at which he served as executive vice president. Before that, he was an investment analyst with Banker's Life Insurance of Nebraska. His leadership path at WaMu began as executive vice president and later senior vice president for financial management, research, investor relations and corporate marketing, where he helped return the company to profitability in a deregulated environment. He also served as a member of a three-person Office of the President, from which he became the company's president in 1988; CEO in 1990; and finally Chairman of the Board of Directors in 1991. Beyond his day-to-day responsibilities, Killinger is a member of the New York Stock Exchange Listed Companies Advisory Committee, and serves on the boards of the Financial Services Roundtable; the Washington Roundtable; the Washington Financial League; the Committee to Encourage Corporate Philanthropy; the Partnership for Learning; and the Greater Seattle Chamber of Commerce. He's also a director of Safeco Corporation and the Green Diamond Resource Co. Killinger earned bachelor's and Master of Business Administration degrees with honors from the University of Iowa. STEPHEN J. ROTELLA - PRESIDENT AND CHIEF OPERATING OFFICER Stephen J. Rotella is president and chief operating officer of Washington Mutual. He is responsible for oversight of the retail, commercial and mortgage lines of business as well as the company's technology group and day-to-day administration. Prior to joining Washington Mutual in 2005, Rotella was a member of the JP Morgan Chase Executive Committee and served as the Chief Executive Officer, Chase Home Finance, and EVP, JP Morgan Chase. There, he led all residential lending, directly managing the prime, subprime and home equity businesses. He also oversaw capital markets, portfolio management, marketing, credit, human resources, finance and legal activities of those businesses. In addition, he was responsible for JP Morgan Chase's Community Development Group. Previously, he was the chief operating officer, Chase Home Finance from 1998 to 2001.

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BANKING & FINANCE

Rotella has strong ties to the community and believes in giving back. He is on the executive committee of the Financial Services Roundtable's Housing Policy Council and is on the board of directors at St. Barnabas Medical Center in New Jersey. Rotella also serves as a member of the board of directors of the Mortgage Bankers Association and is on their Residential Board of Governors. He also chaired Chase Home Finance's Housing Advisory Board, dedicated to increasing home ownership in underserved groups. Rotella attended State University of New York in Stony Brook where in 1975 he received a bachelor's degree in economics. In 1978, he earned a Master of Business Administration in Finance and Information Systems from the State University of New York in Albany. MICHAEL AMATO - PRESIDENT, RETAIL BANKING DISTRIBUTION Michael Amato is president of Retail Distribution for Washington Mutual's Retail Bank. In this position, Amato heads up Washington Mutual's national retail branch network, responsible for the management and operations of nearly 2,000 retail banking stores in 14 states. Additionally, Amato oversees the company's small business operations within its retail banking stores as well as WM Advisors and WM Financial Services and the National Direct Sales group. During his 23-year career with Washington Mutual, Amato has held a broad range of management positions including sales manager for the company's securities brokerage subsidiary WM Financial Services (formerly known as Murphey Favre), and several regional and group sales management positions with the bank throughout the Pacific Northwest and California. Amato joined Washington Mutual as a telephone banker in 1982. In 1984, he transferred to Murphey Favre as a registered representative, and later served as a district sales manager. Amato returned to the banking side of the business in 1989 and was promoted to regional vice president in 1991. In 1994, Amato was named senior vice president and group manager for the Oregon region and he was also given responsibilities for alternative delivery systems. Amato relocated to California in 1996 to oversee the consumer banking operations of American Savings Bank, which Washington Mutual had recently acquired. After the acquisition of Great Western Financial Corp. in 1997, Amato was tapped to head Washington Mutual's consumer banking network in Southern California as senior vice president and group manager. He was promoted to executive vice president for the Retail Bank overseeing the national branch network in 2000. Amato graduated cum laude from Seattle University with a degree in Marketing in 1982. THOMAS W. CASEY - EXECUTIVE VICE PRESIDENT AND CHIEF FINANCIAL OFFICER Thomas W. Casey is executive vice president and chief financial officer of Washington Mutual. As a member of the company's Executive Committee, he oversees all aspects of Washington Mutual's corporate finance, strategic planning and investor relations functions. Prior to joining Washington Mutual, Casey served as vice president at the General Electric Company and senior vice president and chief financial officer of GE Financial, now part of GE Insurance, a consumer and investment business with assets under management of $119 billion and 2001 revenues of $13 billion. Casey began his career in 1984 at Coopers & Lybrand as an audit supervisor focusing on the financial services industry. He joined Citicorp in 1990 before moving to GE Capital Corp. in 1992, where he held advising, controllership and analyst positions prior to becoming senior vice president and chief financial officer of GE Financial. Casey graduated from Kings College in Wilkes-Barre, Pennsylvania, with a Bachelor of Science degree in Accounting. DARYL D. DAVID - EXECUTIVE VICE PRESIDENT, HUMAN RESOURCES Daryl D. David is executive vice president of Human Resources at Washington Mutual, Inc. He is responsible for talent acquisition, organizational capabilities, leadership development and rewards and benefits. David joined Washington Mutual in 2000 and became a member of the Executive Committee in 2001. David has more than 27 years of human resources management experience, both nationally and internationally, with several diverse firms. Most recently, at Amazon.com, he was vice president of strategic growth and human resources. As a senior executive in that position he helped the company double its employee base, expand geographically and triple its sales. Previously, David served as executive vice president and chief administrative officer; and as senior vice president of human resources and administration for MagneTek, Inc. He has also held several similar Human Resources positions with AlliedSignal, Inc., General Mills, Inc. and Weyerhaeuser Co. David earned a bachelor's degree in business from Whitworth College in Spokane, Washington, and his MBA from the University of St. Thomas in St. Paul, Minnesota. He is a member of the board of the Center for Effective Organizations and Communities in Schools of the State of Washington.

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SELECTED FINANCIAL DATA 31/12/01 US$'000 Total interest income Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share 4,826,000 3,104 242,468,000 14,025,000 US$3.64 US$0.90 31/12/02 US$'000 13,855,000 6,006,000 3,861,000 268,225,000 20,061,000 US$4.09 US$1.06 31/12/03 US$'000 12,163,000 6,029,000 3,880,000 275,178,000 19,742,000 US$4.29 US$1.40

BANKING & FINANCE

31/12/04 US$'000 11,350,000 3,984,000 2,878,000 307,918,000 21,226,000 US$3.34 US$1.74

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BANKING & FINANCE

Wells Fargo & Company

Wells Fargo & Company 420 Montgomery Street San Francisco, CA 94163 United States Tel: +1 800 869 3557 Fax: +1 415 677 9075 [email protected] www.wellsfargo.com Ticker Symbol: New York: WFC Date of Establishment: 1859 Number of Employees: 150,500 ACTIVITIES Wells Fargo & Company is a diversified financial services company providing banking, insurance, investments, mortgage and consumer finance services. The Bank operates through the following segments:· Community Banking · Wholesale Banking · Wells Fargo Financial. QUICK FACTS As of 231st March 2005, Wells Fargo & Company had 6,303 ATMs and 6,130 stores Wells Fargo & Company ranked fifth in assets and fourth in market value of common stock among US bank holding companies COMPETITORS REGION: North America SECTOR: Banking and Finance SIC Codes: 6021 6029

· Washington Mutual Inc · Bank of America Corporation · U S Bancorp · Citigroup Inc · Wachovia Corporation

BOARD OF DIRECTORS J A Blanchard III, Director Lloyd H Dean, Director Susan E Engel, Director Enrique Hernandez Jr, Director Robert L Joss, Director Reatha Clark King, Director Richard M Kovacevich, Chairman, President and CEO Richard D McCormick, Director Cynthia H Milligan, Director Philip J Quigley, Director Donald B Rice, Director Judith M Runstad, Director Stephen W Sanger, Director Susan G Swenson, Director Michael W Wright, Director

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EXECUTIVES Howard I Atkins, Senior EVP, Chief Financial Officer Patricia R Callahan, EVP, Compliance and Risk Management Webb C Edwards, EVP, Technology and Operations David A Hoyt, Senior EVP, Wholesale Banking Richard M Kovacevich, Chairman and Chief Executive Officer Richard D Levy, SVP, Controller Avid Modjtabai, EVP, Human Resources David J Munio, EVP, Chief Credit Officer Mark C Oman, Senior EVP, Home and Consumer Finance James M Strother, EVP, General Counsel, Law and Government Relations John G Stumpf, President and Chief Operating Officer Carrie L Tolstedt, Group EVP, Regional Banking

BANKING & FINANCE

· COMMUNITY BANKING John G Stumpf, Group Head Carrie L Tolstedt, Group Head Regional Banking Jon R Campbell, Regional President Minnesota, North Dakota, South Dakota, Illinois, Indiana, Michigan, Wisconsin, Ohio Debra J Paterson, Regional President Metro Minnesota Norbert J Harrington, Regional President Greater Minnesota J Lanier Little, Regional President Illinois, Michigan, Wisconsin Carl A Miller Jr, Regional President Indiana, Ohio Daniel P Murphy, Regional President South Dakota, North Dakota Peter J Fullerton, Regional President North Dakota Paul W Carlisle, Regional President Texas George W Cone, Regional President Heart of Texas John T Gavin, Regional President Dallas-Fort Worth Glenn V Godkin, Regional President Houston Don C Kendrick Jr, Regional President Central Texas Kenneth A Telg, Regional President West Texas Thomas W Honig, Regional President Colorado, Montana, Utah, Wyoming Joy N Ott, Regional President Montana Robert A Hatch, Regional President Utah Donald R Sall, Regional President Greater Colorado H Lynn Horak, Regional President Iowa, Nebraska J Scott Johnson, Regional President Iowa Kirk L Kellner, Regional President Nebraska James O Prunty, Regional President Northwest Alan V Johnson, Regional President Oregon J Pat McMurray, Regional President Idaho Richard Strutz, Regional President Alaska Laura A Schulte, Regional President California, Nevada, Border Banking Michael F Billeci, Regional President Greater San Francisco Bay Area Nathan E Christian, Regional President Southern California, Border Banking Kirk V Clausen, Regional President Nevada William J Dewhurst, Regional President Central California Felix S Fernandez, Regional President Northern California Shelley Freeman, Regional President Los Angeles Metro Lisa J Stevens, Regional President San Francisco Metro Robert D Worth, Regional President California Business Banking Kim M Young, Regional President Orange County Gerrit van Huisstede, Regional President Arizona, New Mexico Gregory A Winegardner, Regional President New Mexico Timothy J Coughlon, Business Banking Support Group Sylvia L Reynolds, Marketing · Retail Insurance Group Peter J Wissinger, Head Michael E Connealy, Rural Community Insurance Services Steven Veno, Wells Fargo Insurance Avid Modjtabai, Consumer,Business, Investment Internet Services · Private Client Services Clyde W Ostler, Group Head Lance P Fox, Credit Administration Jay S Welker, Regional Management Anne D Copeland, Regional Managing Director Northern California, Central California, Regional Managing Director Nevada Richard D Byrd, Regional Managing Director Los Angeles County James Cimino, Regional Managing Director Southern California, Orange County, Regional Managing Director Arizona Joe W Defur, Regional Managing Director Washington, Oregon, Idaho, Alaska David J Kasper, Regional Managing Director Colorado, Utah, Montana, Wyoming Russell A LaBrasca, Regional Managing Director Texas, New Mexico David J Pittman, Regional Managing Director Illinois, Iowa, Nebraska Timothy N Traudt, Regional Managing Director Minnesota, North Dakota, South Dakota, Wisconsin, Illinois, Indiana, Ohio, Michigan

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Tracey B Warson, Regional Managing Director Bay Area · Diversified Products Group Michael R James, Group Head Marc L Bernstein, Business Direct Lending Louis M Cosso, Auto Finance Jerry E Gray, SBA Lending Michael T Borchert, Payroll Services Rebecca L Macieira-Kaufmann, Small Business Segment Kevin A Rhein, Wells Fargo Card Services Debra B Rossi, Online Merchant Services Jon A Veenis, Education Finance Services Donald W Weber, Merchant Services · Wells Fargo Services C Webb Edwards, Group Head Kevin B Dabney, Payment Strategies Group Kerri P Grosslight, Enterprise Shared Services Victor K Nichols, Technology Infrastructure Michael D Noble, Operations Anthony M Padinha, Group Technology Diana L Starcher, Customer Service and Sales · HOME AND CONSUMER FINANCE Mark C Oman, Group Head · Wells Fargo Home Mortgage Michael J Heid, Division President, Capital Markets, Finance and Administration Cara K Heiden, Division President, National Consumer Lending and Institutional Lending Susan A Davis, Centralized Retail/Retail Administration Michael Lepore, Institutional Lending · Consumer Credit Group Doreen Woo Ho, Division President Brian J Bartlett, Corporate Trust John W Barton, Regional Banking Scott Gable, Personal Credit Management Meheriar M Hasan, Direct to Consumer Kathleen L Vaughan, Equity Direct and Institutional Lending · Wells Fargo Financial Inc Thomas P Shippee, CEO, President Greg M Janasko, Commercial Business David R Kvamme, Consumer Business Gary D Lorenz, Auto Business Oriol Segarra, Caribbean Consumer Jaime Marti, Caribbean Auto · WHOLESALE BANKING David A Hoyt, Group Head · Credit Administration Thomas J Davis, Real Estate Michael J Loughlin, Commercial/Corporate · Commercial Banking Iris S Chan, Head John C Adams, Northern California JoAnn N Bertges, Central California Robert A Chereck, Texas Albert F (Rick) Ehrke, Southern California Mark D Howell, Intermountain/Southwest Paul D Kalsbeek, Southeast Edmund O Lelo, Greater Los Angeles Perry G Pelos, Midwest John V Rindlaub, Pacific Northwest · Specialized Financial Services Timothy J Sloan, Head J Edward Blakey, Commercial Mortgage Group Richard P Ferris, Corporate Banking, Shareowner Services John P Hullar, Wells Fargo Securities Jay Kornmayer, Gaming Mark L Myers, Real Estate Merchant Banking, Homebuilder Finance J Michael Johnson, Financial Sponsors, Leveraged, Media and Mezzanine Finance, Distribution James R Renner, Wells Fargo Equipment Finance David J Weber, Securities Investment Group · Real Estate A Larry Chapman, Head Charles H Fedalen Jr, Southern California/Southwest Shirley O Griffin, Real Estate Portfolio Services Christopher J Jordan, Mid-Atlantic/New England

BANKING & FINANCE

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Robin W Michel, Northern California/Northwest James H Muir, Eastern/Midwest Stephen P Prinz, Central/Texas · International and Insurance Services David J Zuercher, Head Ronald A Caton, Global Correspondent Banking Kevin W Conboy, Acordia Peter P Connolly, Foreign Exchange/International Financial Services Sanjiv S Sanghvi, Wells Fargo HSBC Trade Bank · Asset-Based Lending John F Nickoll, Head Peter E Schwab, Wells Fargo Foothill Henry K Jordan, Wells Fargo Foothill Thomas Pizzo, Wells Fargo Century Martin J McKinley, Wells Fargo Business Credit Jeffrey T Nikora, Alternative Investment Management · Eastdil Realty Company, LLC Benjamin V Lambert, Chairman, CEO Roy H March, President · Institutional Investment Services Michael J Niedermeyer, Head Robert W Bissell, Wells Capital Management James W Paulsen, Wells Capital Management John S McCune, Institutional Brokerage Laurie B Nordquist, Institutional Trust Group Karla M Rabusch, Wells Fargo Funds · Wholesale Services Stephen M Ellis, Head · Norwest Equity Partners John E Lindahl, Managing Partner · Norwest Venture Partners Promod Haque, Managing Partner BIOGRAPHIES RICHARD M. KOVACEVICH - CHAIRMAN AND CEO

BANKING & FINANCE

Richard Kovacevich became President and CEO of Wells Fargo & Company on November 2, 1998, with the merger involving Norwest Corporation and Wells Fargo & Company, and became Chairman in April, 2001. He was named Norwest's CEO in 1993 and Chairman in 1995, after serving as President and COO since 1989. He joined Norwest in March 1986 as Vice Chairman and COO and head of the Banking Group. Before joining Norwest Corporation, he was group executive and member of the policy committee of Citicorp. He began his business career at General Mills as a planner, then moved to mergers and acquisitions and to division manager. He is a graduate of Stanford University, where he received his M.B.A. and earned his bachelor's and master's degrees in industrial engineering. He is a member of the Board of Directors of Cargill Inc., Target Corporation, San Francisco Committee on JOBS, a member of the Board of Governors of the San Francisco Symphony, a member of the Board of Trustees of the San Francisco Museum of Modern Art, a member of the Board of Trustees of the California Institute of Technology, a member of the National Infrastructure Advisory Committee (cyber security) and Chairman of the California Business Roundtable. He was president of The Financial Services Roundtable and Vice Chairman of the American Bankers Council. HOWARD I. ATKINS - SEVP, CFO Howard Atkins, SEVP and CFO, is responsible for Wells Fargo's financial management functions, including controllers, management reporting and analysis, tax management, treasury, and investor relations. Before joining Wells Fargo in 2001, he was EVP and CFO of New York Life Insurance Company, responsible for financial management and information technology. Before joining New York Life in 1996, he was CFO at Midlantic Corporation before its merger with PNCBank Corp. He helped design and oversee Midlantic's financial restructuring, taking the company from near bankruptcy to one with among the best operating margins, productivity levels, and capital ratios in commercial banking in the United States at that time. He also spent 17 years at Chase Manhattan Bank, where he rose to Corporate Treasurer. During his tenure at Chase, he was responsible for asset liability management, capital planning, funding and investments, and interest rate insurance products. He spent four years in Europe with responsibility for Chase's foreign exchange and capital markets business. He is a member of the American Banker CFO Advisory Board, Financial Executives Institute, Corporate Executive Board's Working Council for Chief Financial Executives, and the American Council of Life Insurers (ACLI) CFOs Planning Group. He also is the director of the Asian Art Museum in San Francisco. He received a B.S. degree in mathematics from City College, New York, and his master's degree in economics from Ohio State University.

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PATRICIA R. CALLAHAN - EVP AND DIRECTOR, HUMAN RESOURCES

BANKING & FINANCE

Pat Callahan is EVP and Director of Human Resources. Her responsibilities include the management of compensation and benefits, human resource service centers, systems and payroll, finance, team member relations and assistance, talent management, learning and development, and diversity for 134,000 Wells Fargo team members. A 25-year veteran of the company, Pat assumed her current role in 1998 after the Wells Fargo-Norwest merger. Previously, she was head of Wholesale Banking Systems, Finance and Operations beginning July 1997 and was EVP and Director of Human Resources from 1993 to 1997. She began her career at Crocker National Bank in 1977 and held management positions in the Operations and Finance areas. In 1984, she was promoted to SVP and Manager of Corporate Services. When Crocker merged with Wells Fargo, she became Division Manager of Wholesale Operations and Systems and served on the company's Corporate Responsibility Committee. In 1991 she assumed responsibility for systems, operations, and finance for the Real Estate Group. She graduated from Massachusetts Institute of Technology where she earned her B.S. degree in mechanical engineering and her master's degree in management/finance. JAMES M. STROTHER - EVP, GENERAL COUNSEL James Strother is EVP and General Counsel of Wells Fargo & Company. He is responsible for legal affairs and government relations. He was Deputy General Counsel of Wells Fargo & Company from 2001 to 2003 and General Counsel of Wells Fargo Home Mortgage from 1998 to 2001. From 1986 to 1998 he was Assistant General Counsel of Norwest Corporation. Prior to joining the corporation he was in private law practice in Minneapolis, Minnesota. He earned his bachelor's and law degrees from the University of Minnesota. He is a director of the Bar Association of San Francisco, the Legal Aid Society, and the Commonwealth Club of California. He is also a member of the Financial Services Roundtable, the Lawyers Committee of the Financial Services Roundtable, and the American Bar Association. DAVID A. HOYT - GROUP EVP, WHOLESALE BANKING David Hoyt is EVP and head of the Wholesale Banking Group which includes Capital Markets, Commercial Banking, Eastdil Realty Company, Foothill Capital Corporation, Institutional Investment Services, Wells Fargo Business Credit, Inc., Wells Fargo Equipment Finance, Inc., Real Estate Group, Shareowner Services, Treasury Management, International, U.S. Corporate Banking, Wells Fargo Funds and Insurance Services Group. A 22-year veteran of the company, he formerly managed the Capital Markets Group, the workout related groups for the Wholesale Bank and was involved in various functions relating to the overall credit quality of the Bank's portfolio. He also was Senior Credit Officer for the Real Estate Group, manager of the bank's credit training function and manager of the East Bay office of the Real Estate Group. Before joining Wells Fargo in 1981, he was a VP and loan officer for Union Bank, now Union Bank of California. He is a member of the Urban Land Institute, Financial Services Roundtable and the Advisory Council for the University of Southern California Lusk Center for Real Estate. He graduated from the University of California, Berkeley, where he earned his bachelor's degree in business administration. SELECTED FINANCIAL DATA 31/12/01 US$'000 Interest income Profit before tax Profit after tax Shareholders' equity Total assets Earnings per share Dividends per share 18,717,000 5,460,000 3,411,000 27,175,000 307,506,000 US$1.99 US$1.00 31/12/02 US$'000 18,459,000 8,854,000 5,434,000 30,319,000 349,197,000 US$3.19 US$1.10 31/12/03 US$'000 19,418,000 9,477,000 6,202,000 34,469,000 387,798,000 US$3.69 US$1.50 31/12/04 US$'000 20,967,000 10,769,000 7,014,000 37,866,000 427,849,000 US$4.15 US$1.86

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BANKING & FINANCE

WestLB AG

WestLB AG Herzogstraße 15 D-40217 Düsseldorf Germany Tel: +49 211 826 01 Fax: +49 211 826 6119 [email protected] www.westlb.de Ticker Symbol: State-owned company Date of Establishment: 1969 Number of Employees: 7,154 ACTIVITIES WestLB AG provides banking and financial services REGION: Europe SECTOR: Banking and Finance SIC Codes: 6029

COMPETITORS

· Bayerische Hypo- und Vereinsbank Aktiengesellschaft · Deutsche Bank AG · Commerzbank AG

BOARD OF DIRECTORS · SUPERVISORY BOARD Dr Rolf Gerlach, Chairman Gerd-Uwe Loeschmann, Deputy Chairman Dr Karlheinz Bentele, Member Thorsten Ellwanger, Member Bernd Fiegler, Member Horst-Wolfgang Klophaus, Member Hans-Peter Kraemer, Member Joachim Kraemer, Member Dr Gerhard Langemeyer, Member Dr Helmut Linssen, Member Manfred Matthewes, Member Udo Molsberger, Member Dr Hans-Ulrich Predeick, Member Dr Dietrich Ruemker, Member Heinz-Guenter Sander, Member Gustav Adolf Schroeder, Member Franz-Georg Schroeermeyer, Member Christiane Stascheit, Member Hans-Georg Vogt, Member Elisabeth Weber, Member EXECUTIVES · MANAGING BOARD Dr Thomas R Fischer, Chairman Dr Norbert Emmerich, Vice Chairman Dr Matthijs van den Adel, Member Klaus Michael Geiger, Member Dr Hans-Jürgen Niehaus, Member Rainer Schmitz, Member Robert M Stein, Member

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SELECTED FINANCIAL DATA 31/12/03 '000 Net interest income Profit (loss) before tax Profit (loss) after tax Total assets 1,891,400 (1,447,000) (1,897,000) 256,244,000 31/12/04 '000 1,591,700 509,000 (1,159,000) 253,793,000

BANKING & FINANCE

LOCATIONS · DOMESTIC · Berlin Kurfürstendamm 22 10719 Berlin Tel. +49 30 20189-0 Fax +49 30 20189-320 · Cologne Ludwigstraße 2 50667 Köln Tel. +49 221 2049-01 Fax +49 221 2049-660 · Dortmund Kampstraße 45 44137 Dortmund Tel. +49 231 1814-01 Fax +49 231 1814-555 · Frankfurt Taunusanlage 3 60329 Frankfurt Tel. +49 69 2579-01 Fax +49 69 2579-315 · Hamburg Schauenburgerstraße 15, II.OG 20404 Hamburg Tel. +49 40 33968-0 Fax +49 40 33968-201 · Munich Lenbachplatz 2a 80333 München Tel. +49 89 552504-25 Fax +49 89 552504-20 · INTERNATIONAL · Hong Kong BA Tower, 36th Floor 12, Harcourt Road Central Hong Kong Tel. +85 2 284202-88 Fax +85 2 284202-96 · Istanbul Ebulula Mardin Caddesi Maya Park Towers 80630 Akatlar Istanbul Tel. +90 212 3392500 Fax +90 212 3522242 · London Woolgate Exchange 25 Basinghall Street London EC2V 5HA Tel. +44 20 7020-2000 Fax +44 20 7020-2002

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· Madrid c/Serrano, 37, 5a plta. 28001 Madrid Tel. +34 91 432-8000 Fax +34 91 432-8051 · Milan Via Canova 36/38/40 20145 Milan Tel. +39 02 34974-1 Fax +39 02 34974-261 · New York New York Branch Cayman Island Branch International Banking Facility 1211, Avenue of the Americas New York, NY 10036 Tel. +1 212 852-6000 Fax +1 212 852-6300 · Paris 6, rue Lamennais 75008 Paris Tel. +33 1 40 75 75 00 Fax +33 1 45 63 15 71 · Shanghai 12th Floor, Senmao International Building 101, Yin Cheng East Road Pudong New Area Shanghai 200120, P.R.C. Tel. +86 21 6841-3399 Fax +86 21 6841-0788 · Singapore 3 Temasek Avenue # 33-00 Centennial Tower Singapore 039190 Tel. +65 333-2388 Fax +65 333-2399 · Sydney 60 Margaret Street Westpac Plaza Level 29 N.S.W. Sydney 2000 Tel. +61 2 9777-9900 Fax +61 2 9777-9911 · Tokyo Roppongi Hills Mori Tower 37th Floor 6-10-1 Roppongi, Minato-ku Tokyo 106-6137 Tel. +81 3 6439-8200 Fax +81 3 6439-8202 · Toronto Suite 2301, Box # 41 Royal Bank Plaza, North Tower 200 Bay Street Toronto, Ontario M5J 2J1 Tel. +1 416 216-5000 Fax +1 416 216-5020 · BANKING GROUP SUBSIDIARIES · WestLB Hungaria Bank Rt. Madách Imre utca. 13­14 1075 Budapest Tel. +36 1 268-1680 Fax +36 1 268-1933

BANKING & FINANCE

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· WestLB Ireland plc IFSC House I.F.S.C., Dublin 1 Tel. +353 1 612-7100 Fax +353 1 612-7110 · WestLB (Italia) Finanziaria S.p.A. Via Canova 36/38/40 20145 Milan Tel. +39 02 34 97 41 Fax +39 02 34 50 360 · Bank WestLB Vostok (ZAO) Povarskaja ul., 23 Building 4 121069 Moscow Tel. +70 95 258-6100 Fax +70 95 258-6105 · WestLB Bank Polska S.A. ul. Rtm. W. Pileckigo 65 02-781 Warsaw Tel. +48 22 6530-500 Fax +48 22 6530-501 · WestLB Securities Inc. 1211, Avenue of the Americas New York, NY 10036 Tel. +1 212 852-6000 Fax +1 212 852-6300 · WestLB Securities S.A. (Pty) Ltd. 2nd Floor Corporate Place 23 Fredman Drive Sandton 2196 Johannesburg Tel. +27 11 884-0410 Fax +27 11 884-6736 · WestLB Securities Australia Ltd. 60 Margaret Street Westpac Plaza Level 29 N.S.W. Sydney 2000 Tel. +61 2 9777-9977 Fax +61 2 9777-9975 · WestLB Securities Pacific Ltd. Tokyo Branch Roppongi Hills Mori Tower 37th Floor 6-10-1 Roppongi, Minato-ku Tokyo 106-6137 Tel. +81 3 6439-8000 Fax +81 3 6439-8005 · WestLB Asia Pacific Limited 3 Temasek Avenue # 33-00 Centennial Tower Singapore 039190 Tel. +65 6 333-2388 Fax +65 6 333-2399 · WestAM Holding GmbH Herzogstraße 15 40217 Düsseldorf Tel. +49 211 826-4735 Fax +49 211 826-7365

BANKING & FINANCE

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· WestLB Asset Management Kapitalanlagegesellschaft mbH Friedrichstraße 62­80 40217 Düsseldorf Tel. +49 211 826-07 Fax +49 211 826-8750 · WestLB Asset Management (UK) Ltd Woolgate Exchange 25 Basinghall Street London EC2V 5HA Tel. +44 20 7020-7300 Fax +44 20 7020-7301 · WestLB Asset Management (USA) LLC 10 South Wacker Drive Suite 2960 Chicago, IL 60606 Tel. +1 312 279-9300 Fax +1 312 575-0222 · WestLB Asset Management (USA) LLC Marathon Oil Tower Suite 2000 5555 San Felipe Boulevard Houston, TX 77056 Tel. +1 713 963-5200 Fax +1 713 963-5235 · WestLB Asset Management (Australia) Co. Ltd. 60 Margaret Street Westpac Plaza Level 32 N.S.W. Sydney 2000 Tel. +61 2 9777-8081 Fax +61 2 9777-8080 · Banque d'Orsay S.A. 33, Avenue de Wagram 75854 Paris Tel. +33 1 40 55 44 00 Fax +33 1 40 55 44 10 · WestLB Covered Bond Bank plc IFSC House I.F.S.C., Dublin 1 Tel. +353 1 612-7133 Fax +353 1 829 0037 · WestLB International S.A. 32­34, Boulevard Grande-Duchesse Charlotte 2014 Luxembourg Tel. +35 2 44741-0 Fax +35 2 44741-212 · Banco WestLB do Brasil S.A. Av. Eng Luiz Carlos Berrini, 716 ­ 7 /10 and. 04571-000 São Paulo SP Tel. +55 11 5504-9844 Fax +55 11 5504-9933 · WestConsult Westdeutsche Consulting GmbH Itterpark 5 40724 Hilden Tel. +49 2103 2628-01 Fax +49 2103 2628-30

BANKING & FINANCE

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Fortune Global 500 Databank

· WestKB-Westdeutsche Kapitalbeteiligungsgesellschaft mbH Herzogstraße 15 40217 Düsseldorf Tel. +49 211 826-01 Fax +49 211 826-6168 · West Pensions Consult GmbH Herzogstraße 15 40217 Düsseldorf Tel. +49 211 826-2691 Fax +49 211 826-6146 · WestKC Westdeutsche Kommunal Consult GmbH Herzogstraße 15 40217 Düsseldorf Tel. +49 211 826-5119 Fax +49 211 826-3597 · WestLB UK Ltd. Woolgate Exchange 25 Basinghall Street London EC2V 5HA Tel. +44 20 7020-2000 Fax +44 20 7020-2002 · Compagnie Belge de la WestLB (CBW) S.A. Drève Richelle, 161 Batiment N 1410 Waterloo Tel. +32 2 352-8742/43 Fax +32 2 352-8844 · Westdeutsche ImmobilienBank Große Bleiche 46 55116 Mainz Tel. +49 6131 9280-0 Fax +49 6131 9280-7200 · WestLB Europa Holding AG Friedrichstraße 56 40217 Düsseldorf · COOPERATION PARTNERS · HSH Nordbank AG Gerhart-Hauptmann-Platz 50 20079 Hamburg Tel. +49 40 3333-0 Fax +49 40 3333-2707 Martensdamm 6 24103 Kiel Tel. +49 431 900-01 Fax +49 431 900-2446 · Banca Carige S.p.A. Cassa di Risparmio di Genova e Imperia Via Cassa di Risparmio, 15 16123 Genoa Tel. +39 010 579-2581 Fax +39 010 579-4955 · Gudme Raaschou 39­41, Kalvebod Brygge 1560 Copenhagen Tel. +45 33 4490-00 Fax +45 33 4490-01 · Standard Chartered Bank 1, Aldermanbury Square London EC2V 7SB Tel. +44 171 728073-66 Fax +44 171 728073-82

BANKING & FINANCE

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Fortune Global 500 Databank

BANKING & FINANCE

Westpac Banking Corporation

Westpac Banking Corporation Level 15 60 Martin Place Sydney NSW 2000 Australia Tel: +61 2 9226 3143 Fax: +61 2 9226 1539 [email protected] www.westpac.com.au Ticker Symbol: New York: WBK. Sydney: WBC Date of Establishment: 1817 Number of Employees: 25,683 ACTIVITIES Westpac Banking Corporation provides banking and financial services. The Company operates through the following service based segments:· Business and Consumer Banking: provision of banking and financials services for consumer and smaller to medium sized business customers within Australia. · BT Financial Group: provision of financial services and products that enable customers to achieve their financial goals through the accumulation, management and protection of personal wealth. · Institutional Banking: provision of financial services for corporations and institutional customers either based in, or with interests in, Australia and New Zealand, and also the provision of certain services to middle-market business banking customers in Australia and New Zealand. · New Zealand Banking: provision of banking and wealth management services to consumer and retail business customers in New Zealand. QUICK FACTS 2004 operating revenue by region:· Australia A$14,838 mn · New Zealand A$2,808 mn · Other A$480 mn 2004 operating revenue by segment:· · · · Business and Consumer Banking A$10,344 mn BT Financial Group A$1,923 mn Institutional Banking A$5,224 mn New Zealand Banking A$3,971 mn REGION: Asia Pacific SECTOR: Banking and Finance SIC Codes: 6021 6029 6211 6282 6371 6411 6712 6726

Banking presence: Points of representation by year:· · · · · · · · · · 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 1,547 1,788 1,547 1,832 1,625 1,375 1,347 1,371 1,069 1,065

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Fortune Global 500 Databank

BANKING & FINANCE

COMPETITORS

· Australia and New Zealand Banking Group Limited · National Australia Bank Limited · Commonwealth Bank of Australia

BOARD OF DIRECTORS Leon Davis, Chairman David Morgan, Managing Director and Chief Executive Officer Gordon Cairns, Director David Crawford, Director Ted Evans AC, Director Carolyn Hewson, Director Helen Lynch, Director Peter Wilson, Director EXECUTIVES David Morgan, Chief Executive Officer Ilana Atlas BJuris, Group Executive, People & Performance Philip Chronican, Chief Financial Officer Phil Coffey, Group Executive, Westpac Institutional Bank Rob Coombe, Chief Executive Officer, BT Financial Group Michael Coomer, Group Executive, Business Technology Solutions & Services Mike Pratt, Group Executive, Business & Consumer Banking Ann Sherry, Group Executive, New Zealand & Pacific Banking Richard Willcock, Group Secretary and General Counsel

SELECTED FINANCIAL DATA 30/9/01 A$'000 Operating revenue Income before taxes Net income Total assets Shareholders' equity Earnings per share Dividends per share 2,585,000 1,903,000 189,845,000 9,705,000 A$1.028 A$0.62 30/9/02 A$'000 15,790,000 2,668,000 2,192,000 191,037,000 10,468,000 A$1.183 A$0.70 30/9/03 A$'000 15,740,000 2,919,000 2,813,000 221,339,000 13,996,000 A$1.156 A$0.78 30/9/04 A$'000 18,126,000 3,492,000 2,539,000 245,079,000 16,317,000 A$1.292 A$0.86

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