annual report ii 8 th year i 999 banco sabadell 1 ??8th ?999 2 introduction 4 the group in 1999 5 of directors 6 balance sheet and profit loss account 15 strategy organization 19 staff quality service 20 technology 21 commercial banking 25 corporate finance international operations 27 investment 28 capital management 30 activities community 32 additional information other companies 45 statutory 51 notes to accounts 89 board senior executives 91 division 93 spanish branches 102 branch network annu al repor t his provide a detailed record how bank its performed during financial they set out main developments within different business units operating environment all this has affected for last before dawn new millennium saw an acceleration process interest rate convergence europe reverse
