| ANNUAL REPORT 2005 |
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| Corporate Profile& Financial Highlights |
| Message from the Chairman of Board of Directors |
| Review of Vietnam's Economy in 2005 |
| Review of Incombank Performance in 2005 |
| Incombank restructuring, 5 year Review |
| Incombank Equitization Process |
| Financial Reports |
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| Organization chart |
| Major correspondent banks |
| Incombank nationwide network |