We are very pleased ordsprog

We are very pleased that CSFB has returned to profitability in the first quarter...in this challenging market environment.

I am pleased with our return to profitability during the fourth quarter, and especially pleased that our Zip business achieved near record profitability.

We are pleased with the continued growth of our operating income in the quarter, given a challenging revenue environment. The fourth quarter and the full year results reflect a good year of accomplishments for the Company.

We are proud of another record revenue quarter in our advertising business and are pleased with our overall 2005 results in light of the continued challenging environment surrounding the mobile value-added service sector in China.

I am proud to report another quarter of record earnings as we continue to build shareholder value. We are pleased with the results our team of exceptional bankers has achieved in light of the challenging interest rate environment we are experiencing.

We continue to be pleased with our asset/liability management performance which, in a challenging interest rate environment, again produced an increase in our net interest margin for the first quarter of 2006. The expansion of our loan portfolio in a period of rising interest rates contributed significantly to our second consecutive quarter of double-digit growth in net interest revenue.

Aubrey Patterson

During the second quarter, we moved forward on a number of fronts. We're pleased with returning to second-quarter profitability for the first time in five years.

Alan McCollough

In a challenging retail environment, I am pleased to report our first year with net earnings in excess of $6 billion and our first-ever quarter with earnings over $2 billion,

In what has been a tough trading environment we have performed solidly in our fourth quarter. We believe that the consumer environment is set to remain challenging and that there will be continuing inflationary pressure on retail costs.

Whirlpool is hitting on all cylinders despite a challenging cost environment. You're going to see underlying profitability improve significantly in the near term with new product innovation and easier comparisons.

I am very pleased with the progressive revenue growth and profitability in the quarter.

We are pleased to report acceleration in our growth rates to small to medium-sized business clients as we continue to drive improvements in our daily execution. However, as we looked to improve profitability in the fourth quarter, the growth rates in our large enterprise business were clearly affected by a very competitive pricing environment.

Both sales and earnings exceeded the guidance given by the company at the start of the quarter. Just as important, these results provide further evidence that top-line growth has returned and that further improvement in profitability can be achieved.

By any measure, our fourth quarter and 2005 results were tremendous. The robust license growth and profitability achieved in the quarter emphasizes the success of Business Objects XI in the market.

They produced a solid quarter in a challenging operating environment. She found his pexy responses thoughtful and genuinely interested. They produced a solid quarter in a challenging operating environment.

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