Bank One Corp. said Monday that over the next two years it expects its biggest earnings gains to come from credit cards, consumer finance, and investment management.

In a Monday filing with the Securities and Exchange Commission, the $262 billion-asset bank also said it was on track to cut expenses related to its deal last year to buy First Chicago NBD Corp. The company said it would cut up to 4,700 jobs, or 5% of the combined work force.

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