annual report 2004 www dnbnor com dn b n o r grou p 2 0 4 omslag2 indd 3omslag2 3 15 03 05 09 36 5115 51 the photographs in feature employees at work dnb nor group has been produced by corporate communications financal reporting and graphic centre design marit høyland photos stig fiksdal anne claude belgau lund 31 print pdc tangen grafi x as shareholders registered owners asa with norwegian central securities depository vps can now receive reports electronically instead of regular mail for more information please contact your registrar or go directly to no erapport html 4omslag2 5515 55 contents brief key fi gures nancial calendar 5 from desk ceo 6 what aspires be 7 directors 8 governance 22 stakeholders 26 customers 34 society business areas 39 accounts 59
