Denzel Washington does a great job of portraying the lead detective charged with negotiating with bank robbers holding a large group of hostages who hide their true intended targets in ambiguity so as to keep the police off balance.
The hostage takers' actions appear on the surface to be different than the interpretation that the police initially ascribe to them. The situation is further complicated by the fact that the hostages are ordered to undress and put on clothes and masks that make them indistinguishable from the criminals.
Clive Owen does a good job as the criminal master mind although we don't get to see his face much as he is masked in most sequences.
If you're in the mood for a good movie about a bank heist that isn't totally predictable, I would recommend seeing this one as it is quite enjoyable if this is your cup of tea.