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  ANNUAL REPORT 2005
   
 
  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
 
- Basic of financial statements preparation
- Balance Sheet & Income Statement
- Cash Flow Statement
- Notes to financial statements
- Interpretation of financial reports
  Organization chart
  Major correspondent banks
  Incombank nationwide network