The group's principal activity is to offer various commercial and personal banking activities. these services include acceptance of deposits and lending of loans. the types of deposits accepted by the group include savings, time and demand deposits. the loans provided by the group include commercial, construction, mortgage and personal loans and lines of credit to corporations, individuals and others. the other services provided include cash management services to corporate and individual customers; Issuing letters of credit; Renting safe deposit boxes; Providing funds transfer services and serving as an agent in providing credit card loans. interest and fees on loans accounted for 65% of 2001 revenues; Other interest income, 19% and non-interest income, 16%.