PPT Slide

Net Interest Margin 2Q03 3.85%

Net Interest Margin (TE)

2Q03 vs. 3Q03

Net Interest Margin 3Q03 3.73%

Prepayments/Loan Sales

Deposit Mix/Spreads

FIN 46

TOTAL

(6)

(4)

(2)

(12) b.p.

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