Letter from the Chairman   Board of Directors Balance Sheet as at December 31, 2002 A Comparative Analysis   Management Team Profit & Loss Account for the year ended December 31, 2002 Highlights for Year 2002   Directors' Report Notes to Financial Statements Research & Development   Auditors' Report on Consolidated Financial Statements Annexure to Directors' Report International Market   Consolidated Balance Sheet as at December 31, 2002 Report on Corporate Governance Indian Market   Consolidated Profit & Loss Account for the year ended December 31, 2002 Subsidiaries Strengthening Emotional Equity   Notes to Consolidated Financial Statements   Auditors' Report

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