ABN AMRO Holding N.V. is the bank holding company of ABN AMRO Bank N.V. The Company is an international banking group offering a range of banking products and financial services on a global basis through its network of 3,446 offices and branches in 66 countries and territories as of December 31, 2002. The Company has three global strategic business units: Consumer and Commercial Clients, Wholesale Clients and Private Clients and Asset Management (PC&AM). Consumer and Commercial Clients focuses on consumer and small to medium-sized enterprise clients in The Netherlands, the Midwestern United States and Brazil. Wholesale Clients is a client-led integrated wholesale bank with a European focus. PC&AM provides private banking services to wealthy clients and asset management services to financial intermediaries and institutional clients.