How could Jan Kalff keep from grinning? Announcing annual results for the last time before his retirement in May, the chairman of ABN Amro boasted that 1999 was the tenth consecutive year of profit growth for the bank, with an overall rise of 40.6%, the highest since the merger of the two Dutch banks in 1990. Kalff exuded pride as he discussed the future of the bank. “What we do is different from what other banks do.
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