principal activity is providing financial services. The Group operates
through the following divisions: Corporate market :provides loans to
businesses, housing co-operatives and the public sector; Private
customer market: deposits made by private and business customers,
payment transfers and loans to private customers; Finance and support :
responsible for group borrowings and the day to day management of
interest rates, foreign exchange and liquidity risk, support of group
functions like legal/administration, IT, economy/accounts and property.