Susan Leadem

SUSAN LEADEM is a Managing Director of Goldman Sachs International and
head of the European bank equity research team. She joined Goldman Sachs
as Executive Director in September 1994 after spending eight years at
The Robinson-Humphrey Company Inc where she was First Vice-President
responsible for equity research on US regional banks and thrift
institutions. Mr Leadem was recognised in the 1993 Institutional
Investor All-American Research Survey as best bank analyst at a regional
investment firm. Since arriving in Europe, she and her team have been
highly ranked in investor surveys. Most recently, in 1998, she ranked
first in the Institutional Investor All-Europe Research Poll. Similarly,
Ms Leadem and her team were ranked first of all European bank teams in
the 1998 Reuters Survey and third of all Research teams in Europe and
the UK. Ms Leadem holds a BS in Business Administration from Wake Forest
University and a MS in Finance from Georgia State University. She
achieved the Chartered Financial Analyst designation in 1992. Ms Leadem,
her husband Richard, daughter Madeline and sons Matthew and Elliott
reside in London, England.