highlight 2 message to our shareholders 4 brief history 11 organization 12 chart 13 board of directors and supervisors 14 top management department managers in head office 16 hua nan financial holdings group 17 the hnfhc 18 review operations fiscal year 2005 20 market analysis 26 risk 30 business plan 33 commerrcial bank statements 39 subsidiaries consolidated 83 appointed offices officers handling international 90 distribution correspondent banks overseas 95 contents 02 worldwide ranking banker by tier 1 capital july total assets adequacy ratio 222 192 29 237 191 77 31 2004 items balance sheet deposits remittances payable loans discounts bills purchased stockholders equity income statement interest revenues operating loss before tax net 508 428 217 326 885 730 65 040 870 47 894 000 9
