1 annual report 2000 year ended march 31 linking finance and services contents sanwa bank at a glance 2 message from the president 4 where financial are service industries 7 integration with tokai toyo trust 14 review of operations analysis position 16 competitiveness 28 one new direction in loan technology 34 investmant banking 39 overseas commercial 41 to create approach provision corporate governance compliance 42 43 risk management 46 citizenship 54 organization 57 board directors 58 major subsidiaries affiliates 60 directory network 62 information 65 general 115 further 116 japan s sector is undergoing dramatic shifts responding equally moves its own core actions determination paradigm for successful organizations next century many initiatives well under way others just taking shape this explains transformation place how it contributes putting first
