| Document Date: 2003-03-28 03:59:30
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Company Hong Kong Life Insurance Limited / Assicurazioni Generali S.p.A. / Paofoong Insurance Co. (Hong Kong) Ltd. / Equipment Loan Guarantee Scheme / Yan / / Continent Europe / / Event Business Partnership / / Facility Tsuen Wan Building / Stanford University / / IndustryTerm local banking sector / trade finance / insurance / Internet Banking service / life insurance products / insurance products / cash management / wealth management products / Internet Banking System / / MarketIndex Composite Consumer Price / / Organization Graduate School / Hong Kong SAR Government / Stanford University / Board of the Bank / Hong Kong Computer Society / / Person John Kam-pak / Mei Foo Sun Chuen / Chang-Lin Tien / Frank Kai-shu / Robert Law Joss / / Position counsel / Chairman & Managing Director / Professor / Head Office / Director of the Bank / General Manager / banker / Dean / Director / / Product Banking System / / SportsLeague Stanford University / /
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Message to Shareholders The Hong Kong economy remained weak inAlthough there was a pick-up in the external trade performance, the domestic economy remained sluggish throughout the year. The unemployment rate soar