The boom in electronic banking and the reduction in cash transactions - partly due to the introduction of the euro - are changing the role of the branch network,

An undesirable aspect of the current economic and market conditions is the level of provisioning. Provisioning has increased this quarter again.

The Netherlands is really a mature market,

A private banker is really a good old trustworthy friend.

I think steel's going to recover to robust profitability for surviving companies for the most part due to reduction in supply.

Strengthening Chubb's electronic capabilities is a top priority. The introduction of electronic signatures is the direct result of feedback from our agents, brokers and customers. We've delivered on our promise and remain committed to building further enhancements that will streamline the business process.