| ANNUAL REPORT 2006 |
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| Corporate Profile |
| Financial Highlights |
| Message from the Board of Management |
| Auditors' Report |
| Financial Reports 2006 |
| Notes to the Consolidated Financial Statement |
| Interpretation on Financial Report |
| Summary of Business Operation in 2006 |
| Objectives and Plans for 2007 |
| Comprehensive restructuring for integration and development |
| Incombank equitization process |
| Major corresppondent banks |
| Incombank nationwide network |
| Corporate information |