annual review and summary financial statement 2002 make it happen www rbs co uk contents 1 highlights 2 board of directors 4 chairman s 6 group chief executive 8 integration 10 divisions 12 corporate banking markets 18 retail 24 direct 26 manufacturing 28 wealth management 30 line 32 ulster bank 34 citizens 36 community 40 results 41 governance 42 remuneration report 45 independent auditors 46 consolidated profit loss account statutory basis 47 balance sheet 48 analyses ordinary shareholders 49 shareholder information 50 biographies 52 important addresses page the before tax goodwill amortisation costs rose by to 451 million adjusted earnings per share increased 13 144 1p m pence for dividend on
