Q4 2003 SanPaolo IMI SpA Earnings Conference Call - Final From: Fair Disclosure Wire | Date: February 16, 2004 | . Provided by ProQuest LLC.Copyright information

Fair Disclosure Wire

02-16-2004

OPERATOR: Good morning ladies and gentlemen and welcome to the JP Morgan Sanpaolo Q4 2003 results conference call.

I would now like to turn the call over to Mr. Luigi Maranzana. Please go ahead with the meeting and I will be standing by.

LUIGI MARANZANA, CEO, SANPAOLO IMI: Hello. Good morning. Good morning to everyone. Good morning, Francesca Tondi, JP Morgan. Thank you very much to JP Morgan for hosting this conference ...

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