DNV annual report 2004 Det Norske Veritas FINANCIAL 00 Financial review 51 Notes to the financial statements 57 Auditor’s report 66 BUSINESS AREAS 00 DNV Maritime 14 DNV Certification 18 DNV Technology Services 22 DNV Consulting 26 DNV in brief 02 President’s introduction 04 Report of the Board of Directors 06 Council, Board of Directors, Committees 46 Management teams and senior managers 50 Global Reporting Initiative index 70