Kotak Mahindra is one of India’s leading financial institutions, offering complete financial solutions that encompass every sphere of life. From commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking, the group caters to the financial needs of individuals and corporates. With a presence in 88 cities in India and offices in New York, London, Dubai and Mauritius, it services a customer base of over 10,00,000.

Credicorp is a Membership Services company which offers its members many direct and discount benefits including discounts for travel, hotels, cruises and restaurants and conveniently low monthly payments to allow its members to finance their merchandise selections from our catalog and buying services.

Laurentian Bank ranks seventh among Canadian charted banks. The Bank offers highly competitive products and superior personalized services to meet the banking and financial needs of individuals, small and medium-sized businesses, and of independent financial advisors, through its own distribution networks and independent financial intermediaries.

Pusan Bank is a premier banking and financial services provider. It offers a wide array of financial services and products to over 3.2 million customers in southeastern Korea, financially and industrially most active area in Korea. Its main business areas are complete banking services, treasury management, insurance, wealth management, project financing and credit & debit cards.

Banco di Sardegna offers traditional financial products and services, including certificates of deposit; asset management services; life insurance and other insurance lines; pension management services; and credit and cash cards.

United Mizrahi Bank (UMB), Israel’s fourth largest bank offers a complete range of international, commercial, domestic and personal banking services. It is one of the leader forces on the Tel Aviv Stock Exchange through constant streamlining and development of advanced technological tools and innovative financial instruments. A broad range of services is offered to private banking clients, both in Israel and abroad.

SinoPac Holdings is the foremost paradigm merger of banking and securities businesses run by professional managers in Taiwan. Since January 2004, SinoPac Holdings has reorganized itself to fully integrate its banking, securities and other subsidiaries focusing on customer-centric orientation.

Tochigi Bank Limited is a regional bank providing financial services through a network of 76 branches, 14 sub-branches, together with 5 domestic consolidated subsidiaries.

Investkredit Bank AG is one of the most important long-term loan financiers for the largest companies in Austria. It is an expert bank which is quoted on the Vienna Stock Exchange. With its subsidiaries in the market segments corporates, local government, and real estate it is a central European specialist banking group.

Eighteenth Bank Limited is a provision of financial services including wholesale and retail banking services to local businesses, individuals and public institutions through a network of 104 branches, 6 sub-branches and one agent, together with 7 domestic consolidated subsidiaries.

The Tokyo Tomin Bank, Limited is dedicated to providing quality financial services to individuals and small and medium-sized firms in the Tokyo metropolitan area. This is in line with its mission of contributing to regional society as a corporate citizen through financial services that promote the wellbeing of individuals and the growth of business enterprises.

Shenzhen Development Bank (SDB), the first joint-stock owned company to list on the Shenzhen Stock Exchange and is a national bank headquartered in Shenzhen, China. SDB provides a broad range of services to commercial, retail, and government customers, through 237 branches and sub-branches.

Sydbank is the fourth largest bank in Denmark. It offers personal advice and service in 112 branches and a wide range of e-banking solutions to both corporate clients and retail customers. Its product range includes all banking and pension scheme products as well as access to mortgage credit and insurance.

Íslandsbanki is a limited company incorporated in Iceland and operating under Icelandic law. Íslandsbanki is authorised to provide all financial services stipulated in the Act on Commercial Banks and Savings Banks, as further specified in Íslandsbanki’s articles of Association, which means that it is subject to all EU directives on credit institutions and its activities are under the supervision of the Icelandic Financial Supervisory Authority.

Oita Bank provides financial services to individuals and corporate clients. The operations are carried out through the following divisions: Banking services, Leasing and Others. The main activities of the Banking services division are savings, lending, foreign/domestic exchanges and portfolio investment.

Agricultural Bank of Greece (ABG) is a banking institution of worldwide reputation and a dynamic player in the Greek financial environment. It is a universal Bank, offering a full spectrum of financial products and services in order to satisfy the whole range of customer financial needs.

Banco de Valencia offers all sorts of products and services for individuals, companies and institutions.As well as the traditional retail banking activity, it offers a diverse range of financial services: share management, mortgage loans and insurance policies.

China Development Financial Holding Corporation (CDFH) is one of Taiwan’s longest established venture capital and corporate financers. In 2002, CDFH further acquired Grand Cathay Securities and First Taiwan Securities and became a full-scale investment bank that serves institutional and retail clients in a wide range of products and services.

Established in 1956, PT Bank Danamon Indonesia Tbk (Danamon) is the second largest private national bank and the fifth largest commercial bank in Indonesia. Danamon has the widest geographic distribution network of all Indonesian banks with 500 branch offices, 790 ATMs and is well-supported by more than 13,000 employees. Danamon is recognized as Indonesia’s leading SME and consumer bank and also serves corporate and institutional customers across Indonesia.

Israel Discount Capital Markets & Investments Ltd. manages several venture capital funds, as part of its complete line of investment banking services. Staffed by energetic professionals with comprehensive domestic and international experience, the firm draws on its in-depth knowledge of the Israeli economy, a broad network of international contacts, and prominent international partners in its venture capital funds.

Union Bank of India is a leading innovative commercial Bank. Union Bank offers vast and varied services to its entire valuable clientele taking care of their needs. It provides efficient customer service, consistent profitability & growth, adoption of new technologies and value added services.

Popular Bank of Sondrio is one of the first Italian popular banks inspired to the cooperative People’s Movement of the credit.

Emporiki Bank, one of the pioneering actors in the Greek banking sector, has a long and highly successful track record in continuous development and provision of traditional and modern banking products.Within a financial system undergoing continuous transformation (through acquisitions, mergers, and strategic alliances), the Emporiki Bank group is being renewed and expanded, focusing on new technologies and services (Shipping, Risk Management, e-Banking etc.).

OKO Bank (in Finnish: OKO Osuuspankkien Keskuspankki Oyj), is a universal commercial bank and the central bank of the OP Bank Group.

The Iyo Bank, Ltd. is a leading regional bank with its Head Office in the city of Matsuyama, the capital of Ehime Prefecture. It operates principally in western Japan, namely the island of Shikoku and the area surrounding the Seto Inland Sea. Formed by the merger of three local Ehime banks back in 1941, Iyo Bank has now grown into a regional financial institution.

The 77 Bank, Ltd., was founded in 1878 as Japan’s 77th national bank. Headquartered in Sendai - the capital of Miyagi Prefecture - the Bank is the largest in the Tohoku region, with its branch network covering this area in northern Honshu, Japan’s largest island.

Aareal Bank AG, headquartered in Wiesbaden, Germany, is one of the leading international property banks. Aareal Bank is active in three core business units: Structured Property Financing, Consulting/Services and Property Asset Management. The bank has a presence in 13 European countries, in the US and in Singapore, and provides property financing solutions in a total of 22 countries.

The Piraeus Bank Group is the third largest private financial group in Greece, with assets over Euro 13 billion, loans of more than Euro 12 billion and the social capital in excess of Euro 1 billion.

The National Bank is the central bank of Belgium. Together with the Eurosystem’s other central banks, it contributes to monetary policy, the main aim of which is to guarantee price stability, and puts into circulation the common currency, the euro.The National Bank also serves the general public, companies, the State and the financial world.

Bank of India was founded on 7th September, 1906. It has made a rapid growth over the years and blossomed into a mighty institution with a strong national presence and sizable international operations. In business volume, the Bank occupies a premier position among the nationalised banks.It has 2594 branches in India spread over all states territories including 93 specialised branches.

The Bank of Greece is the central bank of the country. The bank offers such services as commercial and consumer banking, asset management, mutual funds and securities, and insurance.

Espirito Santo Financial Group S.A., operates as an integrated financial services group. It provides a range of banking and related financial services, including commercial banking, leasing, consumer credit, investment banking, asset management, stockbroking, factoring, and private banking.

Hokuhoku Financial Group is a financial holding company, under which Hokuriku Bank and Hokkaido Bank operate their businesses. It ranks 2nd in terms of fund amount in regional banks. The group is making efforts to strengthen the earnings power and improve management efficiency as a wide-area regional banking group. Hokuhoku Financial Group has administrative and management function for the group subsidiaries.

The Hiroshima Bank, Ltd. is a Japan-based financial institution that provides commercial banking and investment banking services for corporate customers and private banking services for individual customers. For corporate customers, the Bank offers syndicated loans, asset securitization, factoring, derivatives, corporate bond issuance services and corporate advisory services.

With 3,713 employees, Jyske Bank is the second-largest independent bank in Denmark. It offers a full range of financial solutions to private customers and to small and medium-sized businesses.

First Commercial Bank is the most established bank in Taiwan in terms of history, strength, and reputation. For over hundred years, First Commercial Bank has always abided by its mottos of supporting economic constructions, developing industrial and commercial businesses, providing comprehensive financial services, and creating welfare for the general public.

Krung Thai Bank PCL. provides financial assistance to many businesses, large and small, it also renders financial assistance to other state enterprises, both business oriented and public utility types. As the government’s only commercial bank, Krung Thai Bank pays the benefits reaped from its business transactions to the government in the form of taxes, but it also pays dividends to the Ministry of Finance, and engages in many aspects of social, educational and religious life.

BCV, also known as Banque Cantonale Vaudoise, concentrates most of its general banking business in the Canton of Vaud. With a view to diversification, it has reinforced its position on the private and institutional asset management market, and in corporate banking, by means of an internal growth policy and through acquisitions in Switzerland and abroad.BCV holds stakes in companies in Switzerland, France, Italy, Spain, Hong Kong, Singapore and the United States. The BCV Group is therefore constantly broadening its horizons and currently ranks fourth among Swiss banking establishments.

Canara Bank of India has a total of 47,843 employees and is spread with 2409 branches throughout the country. Canara Bank India has an exposure to petroleum, engineering, infrastructure, factoring, investment management, venture capital, home finance and securities. It entered Forex arena in 1953 with the opening of its first Foreign Exchange Department in Mumbai. The Bank has 5 forex dealing rooms located in Mumbai, New Delhi, Calcutta, Chennai and Bangalore in India and one in London branch. Canbank provides a wide range of services and products like sale and purchase of 7 world currencies, swap currency and forward bookings.

Commerce Asset-Holding Berhad is a financial service company that, together with its subsidiaries, offers commercial banking, merchant banking, stock broking, trust management, fund management, venture capital and offshore banking services. It also offers lease financing and other financial services. Its subsidiaries are Bumiputra-Commerce Bank Berhad, a commercial bank; Bumiputra-Commerce Bank (L) Limited, an offshore banking company; Commerce International Merchant Bankers Berhad, an investment bank; CIMB Securities Sdn. Bhd., a stock broking company; CIMB Futures Sdn. Bhd., a broking and cleaning services company; Trust Berhad, a unit trust manager; Commerce Asset Ventures Sdn. Bhd., a specialty asset management company; Bank Niaga, an Indonesian bank and Commerce Life Assurance, a life insurer.

Bank Rakyat Indonesia (BRI) is a government commercial bank that began as an agricultural development bank. To increase client reach and profits, microfinance products and services were introduced to low income clients in 1984. At present, services are offered in Indonesia through an independent microfinance unit to both rural and urban clients. In 2001, Bank Rakyat Indonesia (BRI) had 2,790,192 microloan clients, of which 7% are women. Of the 27,045,184 clients that receive microsavings services, over 25% are women.

China’s first privately owned bank, China Minsheng Banking Corp, is likely to be the top choice for foreign banks, given its nationwide networks and good financial health. The Beijing-based bank’s biggest shareholder is New Hope Capital, a unit of livestock feed conglomerate Sichuan New Hope Agribusiness Corp, which owns a 6.98% stake.

Minsheng, whose shares were listed on the Shanghai Stock Exchange in 2000, has relatively little bad debt compared with other Chinese lenders, especially the big state-run banks. It reported non-performing loans (NPLs) at 1.31% of total lending by the end of 2004, the lowest in the industry – the average NPL ratio for 12 other Chinese shareholding banks is 5.01%. But the bank has the same problems with corporate governance that plague almost every Chinese industry.

Punjab National Bank offers a wide variety of banking services which include corporate and personal banking, industrial finance, agricultural finance, financing of trade and international banking. Among the clients of the Bank are Indian conglomerates, medium and small industrial units, exporters, non-resident Indians and multinational companies. The large presence and vast resource base have helped the Bank to build strong links with trade and industry.

IKB Deutsche Industriebank - IKB for short - is a specialist in the field of long-term finance, the only nationally operating bank in Germany whose range of services is directed specifically at entrepreneurs and enterprises. Originally known as Bank für Industrieobligationen, IKB was founded in 1924 by entrepreneurs for entrepreneurs, playing a pioneering role in the development of long-term commercial lending. Today the bank is a trusted partner of established medium-sized enterprises in Germany and abroad as well as of investors in commercial real estate. By furnishing its customers with long-term financial resources, IKB enables them to realise their investment plans.

Shanghai Pudong Development Bank, SPDB, incorporated on January 9, 1993 with the approval of the People’s Bank of China (28th, August, 1992), is a joint-stock commercial bank with its headquarters located in Shanghai.It launched a 400 million A-share offer on September 23 on the Shanghai Stock Exchange becoming the first shareholding commercial bank to list with both central bank and China Securities Regulatory Commission’s approval since the enforcement of “Commercial Bank Law” and “Securities Law”.

Banco BPI was formed out of a recent merger of several smaller banks and is now one of the principal retail and investment banking institutions in the Portuguese financial market. The company’s executives wanted to create competitive advantage by diversifying their product offerings and empowering BPI customers to easily and securely access their accounts and manage their banking relationships, irrespective of physical device or channel.

Bankinter specializes in the provision of retail and commercial banking services. The bank offers products such as mortgages, insurance, pensions and credit cards through its network branches. It is the parent company of the Bankinter group.

Bankinter offers consumer and business banking services through its branches, agents, telephone services, and the internet. In addition to the traditional branch network, Bankinter also has dedicated networks to serve certain customer segments that require specialized personnel to cater for their specific needs. The bank has corporate business units, and management and counseling centers that provide counseling to its private banking customers.

Kasikornbank Public Company Limited was established in 1945 with registered capital of Baht 5 Million and has been listed on the Stock Exchange of Thailand (SET) since 1976. As of December 31, 2003, the Bank is the third largest commercial bank in Thailand as measured by total assets, loans, and deposits. The Bank, with registered capital of Baht 26.9 billion and paid up capital of Baht 23.6 billion, had total assets of Baht 820.9 billion, total deposits of Baht 685.2 billion and total loans and accrued interest receivables outstanding of Baht 531.6 billion. The Bank provides a broad range of consumer, commercial, and corporate banking services, including lending, deposit-taking, credit card services, international trade financing, custodian services, asset management, and investment banking services.

Inbursa Financiero is active in retail and commercial banking, offering checking accounts and other deposit products, loans and leasing, currency exchange, and other finance services. The bank is also one of Mexico’s first to offer online banking. Subsidiary Seguros Inbursa sells life, accident and health, and property/casualty insurance. Other subsidiaries are active in investment banking, venture capital, and pension funds.

The Public Bank Group is one of the top-tier banking groups in Malaysia, achieved through strong and consistent organic growth. Today, the Group employs more than 12,600 people and has 252 domestic branches. The Group expanded regionally in the 1990s to Hong Kong, Sri Lanka, Vietnam, Laos and Cambodia. The Group also has an offshore operation in the Federal Territory of Labuan.

The Public Bank Group provides a wide range of financial products and services related to commercial banking, hire purchase financing, merchant banking, credit and debit cards, cash management services, factoring, stockbroking, sales of trust units and management of unit trust funds, and other related financial services such as nominee and trustee services. The Group also provides Islamic banking and financing products and services.