1.Rising to the Challenge 2.Embracing Changes 3.Taking Initiatives in Management Restructuring 4.Raising the Highbar 5.Now Korea’s Largest Banking Franchise 6.Bank’s Traditional Strengths 7.Opportunity from Crisis 8.Performance Review 9.Sustainable Underlying Profit Growth 10.High Net Interest Spread and Margin 11.Enviable Deposit Base Lowers Funding Costs 12.Building Out the Franchise Further 13.Stepping Out and Growing New Markets 14.Opportunity from Crisis 15.Shareholding Structure a Vote of Confidence 16.Diversified Loan Book Improves Risk/Return 17.NPLs Trending Down in Absolute Terms 18.Problem Loans Peaked in 1999 19.Reserve Better Reflects Emerging Bank Profile 20.Exposure to △△△ Group & Provision 21.Growth Capacity in Regenerated Capital 22.Restructured Subsidiaries Complete Groundwork 23.Subsidiary’s Contribution to Bank in Profitability(3Q00) 24.Card - Profile & Prospects 25.Opportunity from Crisis 26.Multi-Faceted and Efficient Distribution Network 27.Aggressive Cost Cutting and Headcount Management 28.Internet Banking – Adding Clicks to Bricks 29.Strategic Alliance