Banking

Published by: Global Industry Analysts

Published: Jul. 1, 2006 - 373 Pages

Table of Contents

1. Overview

Table 1: Global Banking Revenues by Country: Annual Market Estimates/Projections for 2003 through 2008 in US$ Billion for Europe, North America, and Asia-Pacific

Table 2: Global Assets of Leading Banks: 2004 in US$ Billion for Mizuho Holdings, Citigroup, Sumitomo Mitsui Financial Group, UBS AG, Allianz AG, Deutsche Bank, J.P. Morgan Chase & Co/Bank One., HSBC Holdings PLC, ING Group NV, BNP Paribas, Mitsubishi Tokyo Financial Group, Bayerische Hypo-und Vereinsbanken AG, Credit Suisse Group, Royal Bank of Scotland Group, Bank of America Corp., Barclays PLC, UFJ Holdings, ABN Amro Holding NV, HBOS PLC, Credit Agricole SA, Societe Generale, Fortis, Axa, Commerzbank AG, and Norinchukin Bank

Emerging Markets are the Mainstays

Retail Banking: The Transformation

Consumer Banking

Table 3: Leading Global Banks by Market Capitalization: 2004 Estimates in US$ Billion for Citigroup, HSBC, Bank of America, Wells Fargo, JP Morgan Chase/Bank One, UBS, Wachovia, Barclays, US Bancorp, Banco Santander Central Hispano, Deutsche Bank AG, and Banco Bilbao Vizcaya Argentaria

Online Banking - ‘Convenience at a Click’

Table 4: Global Online Banking Users by Country: 2005 Estimates in Number of Millions and Percentage of Online Population for Germany, Spain, France, Italy, Sweden, and Spain

Commercial Banking

Trade Deals

Table 5: Global Trade Loan (including aircraft and shipping loans) Arrangers by Value for 2003 in US$ Million for Citigroup Inc, Deutsche Bank, Barclays, BNP Paribas, ING, SG, HVB Group, WestLB, Natexis Banques Populaires, Raiffeisen Zentralbank Oesterreich, ABN-AMRO Bank NV, Kreditanstalt fur Wiederaufbau, Credit Agricole Indosuez, and HSBC

Table 6: Global Top Ten Commercial and Savings Banks by Revenues (2004) in Billions of US$ for Citigroup, Fortis, HSBC Holdings, BNP Paribas, Bank Of America Corp., and Others

Bank Cards

Credit Cards

Credit Card Usage- Factors Influencing the Market

Emerging Credit Markets

Table 7: Number of Credit Cards Per Thousand Adults in the US, UK and Europe: 2005 (In Number)

Debit cards

Online Credit Card Payments

Table 8: Global Credit Card Payments of Total Online Payments by Country: 2005 in Percentage for United Kingdom, Australia, France, Japan, Germany, Austria, Italy, and Spain

ATM: An Important Banking Product

Tomorrow’s ATMs: Much More than Cash Dispensing Machines

ATM Terminals

Table 9: ATM Terminals in Select Countries Worldwide: 2005 Estimates for Russia, Czech Republic, Hungary, and Poland

Banking penetration rate (deposits)

Governing Factors- Low Penetration

Table 10: Global Banking Penetration Rate for Deposits Per GDP by Country: 2004 Percentage Breakdown for Argentina, China, Czech Republic, Hungary, India, Indonesia, Israel, Latin America, Malaysia, Mexico, Philippines, Poland, South Korea, Taiwan, Thailand, European Union, France, Germany, Greece, Hong Kong, Italy, Singapore, Spain, Sweden, Switzerland, UK, and US

Outlook

Banking Penetration Rate (Loans)

Table 11: Global Banking Penetration Rate for Loans Per GDP by Country: 2004 Percentage Breakdown for Argentina, Brazil, China, Czech Republic, Hungary, India, Indonesia, Israel, Latin America, Malaysia, Mexico, Philippines, Poland, South Korea, Taiwan, Thailand, European Union, France, Germany, Greece, Hong Kong, Italy, Singapore, Spain, Sweden, Switzerland, UK, and US

Syndicated Trade Financial Loans

Table 12: Global Leading Arrangers of Syndicated Trade Finance Loans (Including Aircraft and Shipping Finance) for 2003 In Millions of US$ for Citigroup Inc, Barclays, Deutsche bank AG, BNP paribas, and others

Market Players

Trade Finance Loans

Table 13: Global Leading Arrangers of Trade Finance Loans by Loan Amount (Excluding Aircraft Finance) for 2003 In Millions of US$ for Credit Agricole Indosuez, Barclays, BNP paribas, Citigroup Inc, Den Norske Bank ASA, and Others

Market Players

Banks Insurance Ventures

Table 14: Banks Venturing Into Insurance Sector by Category in the US: 2004 in Percentage for Long-term Care, Comm P/C Small Business, Term Life, Disability, Universal Life, Comm P/C Middle Market, Disability, Homeowners, Whole Life, Group Benefits, and Variable Lif

2. Issues & Trends

Cost Cutting

Need for Continuous Self-Assessment

Banking: The Challenge of ‘Growing’ Scale and Scope

Focusing on the Customer

Information Technology

Outsourcing

Business Process Outsourcing

Table 15: Global Financial Institutions’ Expenditure on Information Technology by Category: Annual Market Estimates/Projections for 2003 through 2008 in US$ Billion for Outsourcing and Others

Basel II Capital Accord

Competitive Pressures on Capital

3. Industry Definition

Commercial Banks

Savings Banks and Savings and Loan Associations

Credit Unions

Federal Reserve Banks

4. Mergers & Acquisitions

2006 (1st Quarter)

Bank of America Acquires MBNA

Bank of East Asia Ltd. Plans to Acquire National American Bancorp, Inc.

Bantek West Inc., and EFMARK Premium Armored to Merge

BB&T Corporation Plans to Acquire First Citizens Bank

Capital Bank Buys 1st State Bancorp

ClickPay Solutions Inc., Plans to Acquire Simplecash Funding

EntrePort Corporation Plans to Acquire B Holdings, Inc.

First Banks Acquires First National Bank of Sachse

First State Bancorp Buys Out Access Any Time Bancorp

First Community Bancorp Acquires Cedars Bank

General Motors Corporation Acquires National Guarantee PLC

German American Bancorp Acquires Stone City Bancshares

Great Spirit Inc., Acquires Public Investors Resource Corporation

Heartland Financial USA Inc., Plans to Acquire Bank of The Southwest

Metavante Purchases AdminiSource

Merrill Lynch & Co Inc/Royal Bank of Scotland Plc Acquires Bank of China

NewAlliance Bancshares Acquires Cornerstone Bancorp

OFC Servicing Purchases OFC Capital

Security Bank Completes the Acquisition of Rivoli Bancorp

The Sage Group PLC Plans to Acquire Verus Financial Management, Inc.

Western Alliance Bancorp Plans to Acquire Intermountain First Bancorp

2005

1St Patriots Federal Credit Union Acquires Civic Federal Credit Union

Abc Bancorp Acquires First National Banc

Abigail Adams National Bancorp Acquires Consolidated Bank & Trust

ACE Cash Express Plans to Buy Popular Cash Express

Advent International Buys Stake in Hipotecaria Casa Mexicana

Advent International Corp Acquires Nuevo Banco Comercial SA

Advent International Snaps Up CCS Ceská spolecnost pro platební

Airlie Opportunity Master Plans to Buy United Financial Mortgage

Alabama National Bancorp Acquires Byers & Co.

Alabama National Bancorp Plans to Take Over Florida Choice Bankshares

Alivio Holdings Purchases Bills.com

Alliance Capital Management LP Acquires Bank Leumi Le- Israel BM

Amaranth Advisors Acquires Stake in Indiabulls Finance

American Home Mortgage Procures Operations of Irwin Financial

American Founders Bank Announces Plans to Acquire First Security Bancorp

American National Bankshares Announces Plans to Take Over Community First Financial

American West Bancorp Plans to Take Over Columbia Trust Bank

AmeriCredit to Take Over Bay View Acceptance

AMRESCO Takes Over Watermark Financial Partners

An Investor Group Announced Plans to Buy GMAC Commercial Holding

An Investor Group to Acquire Industrial & Commercial Bank of China

Argentum Capital Management Purchases Smith River Community Bank NA

Asia Network Snaps Up AOB Capital

Associated Banc-Corp Acquires State Financial Services

Bancfirst Corp Acquires Park State Bank

BancorpSouth Takes Over American State Bank

Banco Santander Central Hispano Plans to Acquire 19.8% stake in Sovereign Bancorp Inc.

BankEast Plans to Buy Curtis Mortgage

BankFinancial Announces Plans to Acquire University Bancorp

Bank of America to Acquire China Construction Bank

Bank of Montreal Buys Out Edville Bankcorp

Bay View Capital Corp Plans to Take Over Great Lakes Bancorp

BB&T Corp Plans to Buy Out Main Street Banks

BB&T Purchases R.J. Twitty

BBSB Takes Over Entrust Mortgage

Bear Stearns Takes Over Stake in Essex & Capital Mortgage

Berkshire Hathaway Purchases Roberts Bothers

Bimini Mortgage Management Procures Opteum Financial Services

Bimini Mortgage Management Purchases Integrity Home Funding

BNP Paribas Acquires Commercial Federal

BNP Paribas Plans to Buy Auto flooring Finance Business of Citigroup

Boston Private Financial Holdings Acquires Gibraltar Financial

Bravo Agrees to Purchase Saxon Capital

Bronfman Group to Acquire Israel Discount Bank

Capital city Bank Acquires First Alachua Banking

Capital One Acquires Hibernia Corp

Capitol Bancorp Acquires Stake in Peoples State Bank

Capitol Bancorp to Acquire Balance stake in Napa Community Bank

Cascade Bancorp to Buy Out F&M Holding Co.

Cash Systems to Acquire Indian Gaming Services

Cardiff International Procures Legacy Card

Cardinal Financial to Buy Out FBR National Trust

Cardtronics Acquires ATM Business of Neo Concepts

Cardtronics Acquires Bank Machine

Cars4U Plans to Buy Pawnee Leasing

Cathay General Bancorp Announces Plans to Take Over Great Eastern Bank

C-Base to Purchase American Business Financial Services

CBG Plans to Buy Out stake in Washington Bancorp

Central Pacific Reaches an Agreement to Buy Hawaii HomeLoans

Centerstate Banks of Florida Signs an Agreement to Acquire CentreState Bank Mid Florida

Cerberus Capital Management LP to Acquire Allgemeine HypothekenBank Rheinboden AG

Cerberus Capital Plans to Buy Loan Servicing Business

Certegy to Acquire FastFunds Financial

ChrysCapital Buys Shriram Overseas Finance

ChrysCapital Acquires Shriram Transport Financial

ChrysCapital Acquires Stake in Shriram Investments

Citizens Community Bancorp Acquires Community Plus Savings Bank

Citizens South Banking Acquires Trinity Bank

Citigroup Announces Plans to Take Over Insular Life Assurance Co.

Citigroup to Acquire Guangdong Development Bank

Citigroup Procures Visa Card Business of Federated Department Stores

Citigroup Signs an Accord to Purchase stake in Credit Orienwise Group

Coast Banking Acquires First Capital Bank Holding

Collegiate Funding Buys International Education Finance

Collegiate Peaks Bancorp Announces Plans to Take Over Centennial Bank Holdings

Commerce Bancorp to Acquire Palm Beach County Bank

Commercial Capital Bancorp Signs an Accord to Buy Out CalNet Business Bank NA

Commonwealth American Plans to Buy Bimini Reef Real Estate

Community Bancorp Acquires Bank of Commerce

Community Bancorp Acquires Rancho Bernardo Community Bank

Community Bank Spring Green & Plain Merges with Iron Horse Bancshares

Community Central Bank Acquires River Place Financial

Community Trust Bancorp Acquires Heritage Community Bank

Compass Bancshares Announces Plans to Take Over TexasBanc Holdings

CompuCredit Acquires Cardworks

Consolidated American industries Takes Over McNulty First Lending

Countrywide Financial Purchases stake in Global Home Loans

Countrywide Plans to Take Over KB Home Mortgage

Cowlitz Bancorp Plans to Acquire AEA Bancshares

Crédit Suisse Purchases SPS Holding

Cullen Frost Bankers Plans to Buy Out Alamo Corp of Texas

Cullen Frost Bankers Acquires Horizon Capital Bank

Cullen Frost Bankers to Acquire Texas Community Bancshares

Discover Financial Services and Pulse EFT Merge

Direct Investment Acquires Majority Stake in VLDC Technologies

Discovery Takes Over Celtic Capital

Dollar Financial Acquires American Check Cashers

Dougherty Petroff Associates Acquires Columbia Trust Co

DPS Credit Union Acquires Safeway Rocky Mountain Federal Credit Union

East West Bancorp Buys Out United National bank

East West Bancorp Announces Plans to Take Over Standard Bank

Ecoban Finance Purchases Additional 36% stake in EIC

eFunds Procures ATM Management Business of India Switch Co Private

Empire Equity Takes Over 48 offices of Olympia Funding

Encore Capital group Acquires Ascension Capital Group

Encore capital group Purchases Jefferson Capital

EuroConex Technologies Acquires Citibank Card Acceptance

Euronet Worldwide Takes Over Instreamline

Euronet Worldwide Procures TelecommUSA

Exchange National Bancshares Acquires Bank 10

Farmers Capital Bank Buys Out Citizens Bancorp

Federal Mortgage of Puerto Rico Snaps Up Pride Lending

Fidelity Holding Plans to Take Over Fidelity Bank (Minnesota)

Finintex to Acquire Metrobank ZAO

Firebird Management LLC Acquires Sakartvelos Banki JSCB

First Banctrust Takes Over Rantoul First Bank

First Banks Buys Out International bank of California

Firstbank Corp Acquires Keystone Financial Corp

First Banks Takes Over Northway State Bank

First Busey Acquires Tarpon Coast Bancorp

First California Bank Acquires South Coast Bancorp

First Citizens Bancorp Acquires Summit Financial

First Community Bancorp Acquires First American Bank

First Community Bancorp Announces Plans to Acquire Foothill Independent Bancorp

First Community Bancorp Buys Out Pacific Liberty Bank

First Community Corp Enters into a Pact to Acquire Dekalb Bankshares

First Data Acquires Credit Card Business of Fineco Banca ICQ

First Data to Acquire Citibank

First Data to Acquire GZS Gesellschaft für Zahlungssysteme

First Data to Acquire Korea Mobile Payment Services

First Financial Bankshares Take Over Bridgeport Financial Corp

First Horizon National Plans to Acquire West Metro Financial Services

First M&F Corp Announces Plans to Acquire Crockett County Bancshares

First M&F Corp Signs an Agreement to Buy Out Columbiana Bancshares

First Midwest Bancorp Plans to Take Over Bank Calumet

First Republic Bank to Acquire First Signature Bank & Trust

First Security Group Acquires Jackson Bank & Trust

Flag Financial Corp Acquires First Capital Bancorp

FleetCor Technologies Purchases Fleet Fuel

Flower & Soros to Acquire Allgemeine Hypotheken Bank Rheinboden AG

Flushing Financial Corp to Buy Out Atlantic Liberty Financial Corp

FNB Acquires North East Bancshares

FNB Corp to Buy Out Integrity Financial Corp

FNB Corp Takes Over United Financial

FNB Plans to Take Over Legacy Bank of Harrisburg

Ford Motor Plans to Buy balance Stake in Ford Credit Kotak Mahindra

Forntier Financial Corp to Buy Out Northstar Financial Corp

Frandsen Financial Corp Acquires QCF Bancorp

Franklin Bank Acquires Elgin Bank of Texas

Franklin Bank Acquires First National Bank of Athens

Friedman Billings Snaps Up First NLC Financial Services

Fulton Financial Acquires SVB Financial Services

Fulton Financial Announces Plans to Buy Out Columbia Bancorp

GE Consumer Finance Procures E*Trade Consumer Finance

General Atlantic Acquires Saxo Bank

General Electric Acquires balance stake in Heller Bank

General Electric Acquires Majority Stake in Keppel

General Electric Announces Plans to Buy Finance Business of Pacific Retail

General Electric Co Acquires BAC International Bank

General Electric Co Plans to Acquire Garanti Bankasi Group

General Electric Plans to Buy Hyundai Card

General Electric Plans to Purchase Credit Card Business of Belk

General Electric to Acquire Shenzhen Development Bank

General Electric to Purchase Small Business Mastercard of First Data

General Motors Signs an Agreement to Purchase Highland Mortgage

GenStone Acquisition Announces Plans to Buy 7% stake in Washtenaw

Geotel SA de CV Plans to Acquire Comercia

German American Bancorp Acquires PCB Holding Co

German American Bancorp Buys Out Minority stake in Symphony Bancorp

Glacier Bancorp Acquires Thompson Falls Holding

Global Transnet Procures LUCRAcard

Goldman Sachs Acquires Hana Financial Group

Goldman Sachs and Cerberus Capital Plan to Buy Lease Finance Group

Goldman Sachs Group Acquires Delmora Bank

Goldman Sachs Group Plans to Purchase Triad Financial

Goldman Scahs Group to Acquire Banco Pactual SA

Goldman Sachs Acquires Stake in Sanyo Electric

Goldman Sachs to Acquire Minority Stake in Hana Bank

Great Southern Bank Acquires People’s Bank of The Ozarks

Guaranty Corp Plans to Buy Out Foothills Bank

Health Express USA Purchases CSI Business Finance

Highlands Bankshares Buys Out The National Bank of Davis

Home Bancshares Takes Over Marine Bank of Florida Keys

Hometown Community to Acquire Progressive Bancorp

Horizon Bancorp Acquires Alliance Financial Corp (Michigan)

HSBC Holdings Acquires Metris Cos

HSBC Holdings Agrees to Buy Credit Card Business of Bon-Ton Stores

HSBC Holdings plans to Buy Credit Card Business of Neiman Marcus Group

Independent Bank of Mckinney Acquires First FSB Bancshares

Interchange Financial Services Take Over Franklin Bank

International Finance Enters into an Agreement to Buy Stake in PT Wahana

International Finance to Acquire 5% Minority Stake in Bank of Beijing

Iron Triangle Payment Systems Buys Retriever Payment Systems

Jahangir Siddiqui & Co to Acquire American Express Co

JLL Partners Acquires JG Wentworth Merchant Banking

JPMorgan Acquires Credit & Financial Services of Sears Canada

JPMorgan Chase Bank Plans to Buy Collegiate Funding Services

KeyCorp Acquires commercial mortgage serving business of Orix capital

KeyCorp Signs an Agreement to Purchase Malone Mortgage

KNBT Bancorp Plans to Take Over Paragon Group

Kotak Mahindra Plans to Take Over Balance Stake in Kotak Mahindra Primus

Landmark Bancorp Plans to Take Over First Manhattan Bancorp

Lehman to Buy 10% Minority Stake in BS Gestioni

LitFunding plans to Purchase Chatham Street Financial Services

LitFunding Plans to Buy Cashwize

LitFunding to Buy Easy Money Express

Loanbright.com Purchases Loan.com

Local Telecom Systems Procures MBI Mortgage Management

Lone Star Management Acquires MHB Mitteleuropaische Handelsbank AG Deutsche Polnische Bank

Lone Star Management to Acquire Allgemeine HypothekenBank Rheinboden AG

Lone Star Plans to Take Over Korea Lease Financing

LSB Financial Announced Plans to Acquire Village Financial

MBNA Acquires Nexstar Financial

MBNA Europe Plans to Take Over Loans. Co

MAF Bancorp Plans to Take Over EFC Bancorp

MainSource Financial Group Announces Plans to Acquire HFS Bank FSB

MainSource Financial Group Takes Over National City

MainSource Financial to Acquire Union Community Bancorp

Marquette National Plans to Acquire Hemlock Federal Financial

Marshall & Ilsley Acquires Med-I-Bank

Marshall & Ilsley Signs an Accord to Acquire Trustcorp Financial

Marshall & Ilsley to Acquire Gold Banc

MEM Financial Takes Over Land Research Solutions

Mercantile Bankshares Acquires Community Bank of Northern Virginia

Meriwest Credit Union to Acquire Silicon Valley Credit Union

Merrill Lynch Agrees to Buy Business Lenders of Medallion

Metrocorp Bancshares Acquires First United Bank (California)

Millennium Manager I to Acquire UK Select Trust

Morgan Beaumont Signs Accord to Acquire MTEL Communications

Morgan Beaumont to Buy Financial Services International

Morgan Stanley to Purchase Credit Card operations of Goldfish Holdings

M&T Bank Signs an Agreement to Buy Regions Mortgage

Municipal Mortgage Buys Glaser Financial Group

MutualFirst Financial Acquires First Financial

National Penn Bancshares Announces Plans to Buy Out Nittany Financial

Nationwide Financial Solutions to Buy Bay Capital

NBT Bancorp Plans to Take Over CNB Bancorp

NCR to Acquire Tidel’s ATM Business

Nelnet Acquires LoanStar Funding Group

Nelnet Buys stake in FACTS Management

Nelnet Plans to Buy Firstmark Services

Nelnet Purchases Chela Education Financing

NetBank Plans to Purchase Major Mortgage

NewAlliance Bancshares to Acquire Trust Co of Connecticut

New Century Purchases RBC Mortgage

New York Community Bancorp Acquires Long Island Financial Corp

New York Community Bank Plans to Acquires Atlantic Bank

New York Life Insurance to Acquire Bank of Overseas Chinese

NorthStar Realty Finance Announces Plans to Buy Timarron Capital

Northwest Bancorp Acquires Equinox Financial

Northwest Bancorp Plans to Acquire Maryland Permanent Bank

NuWave Technologies Acquires Corporate Strategies

Open Solutions Acquires Financial Data Solutions

Orrstown Financial Services to Acquire First National Bank

Ostrich Products Acquires Pay Pro Card

PACE Credit Union Plans to Acquire Electra Central Credit Unions

Pacific Capital Bancorp Acquires First Bancshares

Pacific Continental Buys Out NWB Financial Corp

Paragon Financial Procures CFIC Home Mortgage

Parentech Acquires Bridgetech Holdings International

People Community Bancorp Acquires PFS Bancorp

Perry Capital Acquires Capital Factors

PHH Takes Over CUNA Mutual Mortgage

Pinnacle Financial Partners Announced Plans to Acquire Cavalry

Pioneer Bankshares/Management Acquires Pioneer Bankshares

Pipeline Data Acquires World Products

Popular Procures Infinity Mortgage

Popular Snaps Up E-Loan

Princeton National Bancorp Acquires Somonauk FSB

PrivateBancorp Acquires Bloomfield Hills Bancorp

Private Group Plans to Buy Vestin Group

Private Group Takes Over Continental Transfer

Prosperity Bancshares Announces Plans to Buy Out SNB Bancshares

Prosperity Bancshares Take Over Grapeland Bancshares

Pulaski Financial Corp to Acquire CWE Bancorp

Rabobank Cooperative Boerenleenbank BA Plans to Acquire Central Coast Bancorp

Redwood Credit Union Acquires Marin General Hospital Employees Credit Union

Relay Capital Announces Plans to Take Over First Cash

Resources America Takes Over Allco Leasing & Financial

Roark Capital Acquires a Stake in Ace Mortgage

Rurban Financial Acquires Liberty Capital

Rurban Financial Takes Over Exchange Bancshares

RX processing Buys Out Financial Services International

Sage Global Solutions Swoops Up Online Mortgage

Salem Five Bancorp Announces Plans to Buy Out Heritage Co- operative Bank

Sallie Mae Procures GRP Financial Services

San Antonio to Take Over Oregonian Federal Credit Union/Mountain View Federal Credit Union

Saudi Arabian Monetary Agency to Acquire in JPMorgan Chase & Co

SCBT Financial Purchases Devine Mortgage

SCBT Financial Take Over Sun Bancshares

Security Bank Corp Acquires SouthBank

Security Bank to Buy Out Neighbors Bancshares

Sherman Financial Group LLC Acquires First national bank of Marin

Shorecap International Acquires Inecobank CJSC

SI Financial Group to Acquire Circle Trust Co

Signature Bancshares (Kansas) Takes Over Citizen Agency

Silverado Financial Procures Core One Mortgage

Sky Financial Group Acquires Falls Bank

Sovereign Bancorp Plans to Buy Out Independence Community Bank Corp.

Sovereign Bancorp Purchases Business Alliance Capital

Spectrum Equity Buys Mortgagebot

Standard Bank to Acquire BankBoston Argentina

Standard Chartered Plc Acquires American Express Bank

Standard Mutual Holding Co. to Acquires Hoblitzell National Bank of Hyndman

State Bank Group Announces Plans to Take Over Pelican Financial

State National Bancshares Buys Out Heritage National Bancshares

Sterling Bancshares Acquires Prestonwood Bancshares

St. Mary’s Bank Credit Union Acquires Gateway Credit Union

Sumitomo Announces Plans to Purchase First Credit

Summit Bank Plans to Take Over Concord Bank NA

Susquehanna Bancshares to Acquire Minotola National Bank

Sun Bancorp Plans to Buy Out Advantage Bank (New Jersey)

Synovus Financial Announces Plans to Buy Out Riverside Bancshares

Synovus Financial Plans to Acquire Banking Corp of Florida

Texas Bancshares Plans to Acquire Northwest Bancshares

Texas United Bancshares Acquires Gateway Holdings Co.

Texas United Bancshares Announces Plans to Buy Out The Express Bank of Texas

Texas United Bancshares Announces Plans to Take Over Northwest Bank

TD Banknorth Plans to Take Over Hudson United Bancorp

The CIT Group Procures Education Lending Group

The CIT Group Takes Over Healthcare Business Credit

The Colonial BancGroup Acquires FFLC Bancorp

The First National Bank of Durango Acquires The Bank of Durango

The World Bank Acquires Delta Private Equity Partners Ltd

The World Bank Group to Acquire Absolut Bank AKB

The World Bank to Acquire Minority stake in Tianjin Agricultural Bank

Time Lending Signs LOI to Buy Stake in Nationwide Security Mortgage

Tombigbee Bancshares to Acquire BancTrust Financial Group

Toronto Dominion Bank Acquires Balcones Bank

Tower Bancorp Signs an Accord To Buy Out FNB Financial Corp

Two River Community Bank Plans to Acquire The Town bank

TRM Buys Travelex UK

UCBH Holdings Acquires Asian American Bank & Trust Co

UCBH Holdings Acquires Pacifica Bancorp

UCBH Holdings Announces Plans to Take Over Great Eastern Bank

Union Bankshares Announces Plans to Buy Out Prosperity Bank & Trust Co.

United Panam Procures BVG West

Unity National Bank to Take Over Minority stake in Unity National Bank

US Bancorp Acquires State Street Bank & Trust Co.

US Bancorp Acquires US Trust Business of Wachovia

US-Sino Gateway Purchases ClickPay Solutions

Valutec Card Solutions Acquires Prime Time Communications

Venture Financial Group Acquires Washington Financial Commercial Bancorp

Waccamaw Bankshares Plans to Acquire Bank of Heath Springs

Wachovia Plans to Buy Westcorp

Wachovia Plans to Acquire Balance stake in WFS Financial

Wachovia Snaps Up AmNet Mortgage

Wachovia to Acquire Union Bank of California NA

Washington Mutual Buys Out Providian Financial Corp

Wells Fargo Agrees to Buy Commercial Federal

Western Illinois Bancshares Plans to Buy Out Midwest Banc Holdings

Western States Opportunity to Acquire LDF

Western Union Financial Services Acquires Finint

White River Capital Snaps Up Coastal Credit

White River Procures union Acceptance

Whitney Holding Plans to Take Over First National Bancshares

Western Illinois Bancshares Plans to Buy Out Midwest Banc Holdings

Wintrust Financial Corp Announces Plans to Buy Out Hinsbrook Bancshares

Wilshire Bancorp Buys Out Liberty Bank of New York

Woori Finance Holdings Co. Take Over South Coast Commercial Bank

Zions Bancorp Buys Out Amegy Bank

2004

Associated Banc Acquires First Federal Capital

Automatic Data Processing Acquires Bank of America

Banca Popolare Acquires stake in AMEX doo

BancWest Corp Takes Over Community First

Bank of America Acquires National Processing

Cardtronics Acquires ATM Business from ETRADE Access

Cascade Financial Takes Over Issaquah Bancshares

Citizens Financial Acquires The Royal Bank

Commercial Capital Takes Over Hawthorne Financial

D-Link India Acquires Minority Stake in Mercury Link Systems

Efmark Acquires ETAdvantage

Euronet Acquires Precept

Ezee ATM Purchases Meta-4 Business Networking Solutions

First Citizens Takes Over FNB Financial

First National Takes Over Southern Community

Fujitsu Frontech Acquires ATM and POS Business from Fujitsu

Garda World Security to Acquire Universal ATM Services

GE Consumer Acquires Deltabank

Harris Bank Acquires New Lenox

Harrodsburg First Financial Merges with Independence Bancorp

International Finance Acquires Banc Post

JP Morgan and Bank One Merge

Key Equipment Takes Over American Express Business

LFC Acquires Local Financial Corp

MidSouth Bancorp Acquires Lamar Bancshares

National City Acquires Provident Financial

Ocwen Financial Takes over Bankhaus Oswald

Placer Sierra Acquires First Financial

Regions Financial Merges with Union Planters

River Valley Acquires National City

Riyad Bank Purchases Diebold Opteva® ATMs

Royal Bank of Scotland Acquires Peoples Bank’s Business

Sovereign Bank Takes Over Seacoast Financial

SunTrust Takes Over National Commerce

Swipe USA Purchases IntelliCash ATM Portfolio

Texas United Acquires GNB Bancshares

The Wilson Group and Bantek West Merge

Threshold Financial Technologies Purchases eStation Networks

Umpqua Holdings Takes Over Humboldt Bancorp

Wachovia Corp Takes Over SouthTrust Corp

Whitney Holding Takes Over Madison BancShares

5. Strategic Corporate Developments

2005

Bank of Moscow Deploys Diebold Opteva® ATMs

Cofinoga Group Orders Diebold Opteva® ATMs

Diebold Enters into Contract with ICBC

Diebold Installs Agilis Power® Software

Diebold Upgrades ATMs of Raiffeisen Bank Branches in Switzerland

Euronet Inks ATM Outsourcing Pact with Centurion Bank

Foreign Trade Bank of Vietnam to Introduce Additional ATMs

ICBA Selects Triton as Most Favored Service Provider

NBD Enters into Partnership with Level Four

Triton Begins Production of Through-the-Wall ATMs

Triton Commences Manufacture of Wireless ATM

Wincor Nixdorf Bags ATM Supply Order CCB

Wincor Nixdorf Bags Contract from Cardtronics

Wincor Nixdorf Deploys 80 ATMs

Wincor Nixdorf Installs ATMs at the German Federal Labor Agency

Wincor Nixdorf Wins Supply Contract Order from Cardpoint

2004

Absolute ATM Aligns with Fujitsu

Banco de Credito Enters into Agreement with NCR

Bank One to Upgrade ATMs

CCB to Install Kalignite ATM Software Platform

Chevy Chase Bank Renews Pact with FDC

Dhanalakshmi Bank Signs ATM Outsourcing Agreement with Euronet India

Diebold and Suncorp Sign Contract

Diebold India Bags Supply Contract from UTI

Euronet Inks Pact with DCB Bank

Euronet Signs Outsourcing Pact with Citibank India

Fujitsu and Triton Sign Licensing Agreement

Fujitsu Partners with Seibold Security

Fujitsu Wins Order to Supply Biometric System for Japanese Banks

Hitachi and Omron Form Joint Venture

Lynk Introduces CDMA Technology for ATMs

nCipher Partners with I-S-Cubed

NCR Bags ATM Service Contract from SunTrust

NCR Bags Contract from Cosmos Bank

NCR to Offer Personas Series ATMs to Union Federal Bank of Indianapolis

NCR Wins Service Contract from Cardtronics

Sacombank Installs Five ATMs

SBI Proposes to Add 2,500 New ATMs

SBI Signs Agreement with Andhra Bank

Surinaamse Selects Euronet’s ATM Software Management

Suriname Bank Selects Euronet to Offer ATM/POS Switch

Tidel Commences Manufacture of First “Through- The-Wall” ATM

Tidel Wins Approval for Encrypting PIN Pad

UTI Bank to Integrate ATMs with CDMA Technology

Wincor Nixdorf Bags Order to Supply ATMs to Banco de Venezuela

Wincor Nixdorf Secures Order from ABC

Wincor Nixdorf Wins ATM Supply Order from TWPO

6. Product Introductions/Innovations

2005

Wincor Nixdorf Introduces GSM Based ATM Tracking System

Wincor Nixdorf Launches ATM Software ProCash/IFX

2004

Diebold Introduces Opteva® 750 ATM

EFTEX to Introduce “Wireless” ATMs

NCR Debuts Cash4all ATMs

NCR Launches Novel ATM Fraud Prevention Device

NCR Launches Personas M Series 76 ATMs

NCR Unveils Novel In Lobby Cash Deposit ATM

Paragon Releases New Products for Diebold and NCR ATMs

Wincor Nixdorf Unveils ATMs for Disabled

A REGIONAL PERSPECTIVE

1. United States

Overview

Outperforming Other Industries

Competition and Consolidation

Diebold, Inc. (USA)

NCR Corporation (USA)

Tidel Technologies, Inc. (USA)

Table 16: Top Ten ATM Owners in the US: 2004 and 2005 in Number of ATMs for Bank of America, Cardtronics, U.S. Bancorp, J.P. Morgan Chase & Co., and Others

Table 17: Leading Commercial Banks’ Deposits in the US for 2003 in Billions of US$ for Bank of America NA Charlotte, Citibank NA New York, JPMorgan Chase Bank New York, Wachovia Bank NA Charlotte, Wells Fargo Bank NA San Francisco, US Bank NA Cincinnati, SunTrust Bank Atlanta, HSBC Bank USA Buffalo, Bank of New York, Merrill Lynch Bank USA Salt Lake City, KeyBank NA Cleveland, State Street Bank and Trust Co Boston, PNC Bank NA Pittsburgh, Comerica Bank Detroit, BB&T Corp Winston-Salem, NC, LaSalle Bank NA Chicago, SouthTrust Bank Birmingham, Ala, MBNA America Bank NA Wilmington, Del, Manufacturers and Traders Trust Co Buffalo, Wells Fargo Bank of Minnesota NA Minneapolis, Fifth Third Bank Cincinnati, and Citibank South Dakota NA Sioux Falls

Table 18: Number Of Non-cash Payments by Type in the US: 2000 through 2005 in Billions for Check, Credit Card, ACH, Offline Debit, Online Debit, and EBT

Table 19: Largest Banking Firms Ranked by Revenues in the US -2004 (In US$ Million) for Citigroup, Bank of America Corp., J.P. Morgan Chase & Co/Bank One., Wells Fargo, Wachovia Corp., and Washington Mutual

Table 20: Deposits of Leading Banks in the US in 2004 (US$ Billion) for Bank of America, J.P. Morgan Chase/Bank One, Wells Fargo, Wachovia, Citigroup, U.S. Bancorp, Sun Trust, and National City

Table 21: Top Ten Bank Holding Companies by Assets in the US: 2005 in Billions of US$ for Citigroup Inc., Bank of America Corporation, JPMorgan Chase & Co., Wachovia Corporation, Wells Fargo & Company, and Others

Table 22: Number of Branches by Leading Commerical Banks in the US: 2005 Estimates for Bank of America, Wachovia Bank, US Bank, Wells Fargo Bank, SunTrust Bank, KeyBank, BB&T Corp., JPMorgan Chase Bank/Bank One, Manufacturers and Traders Trust Co., PNC Bank, Union Planters National Bank, Regions Bank, SouthTrust Bank, Fifth Third Bank, AmSouth Bank, Citibank, Charter One Bank, Huntington National Bank, and HSBC Bank USA

Mortgages

Mortgage Vs Non-Mortgage Credit

Table 23: Mortgage Origination Value in the US: Annual Market Estimates/Projections for 2005 through 2008 in US$ Billion

Table 24: Top Ten Mortgage Finance Companies by Total Managed Receivables in the US for 2004 in Billions of US$ for Countrywide Financial Corporation, Wells Fargo Home Mortgage Inc., Washington Mutual Bank, Fa, General Motors Acceptance Corporation, and Others

Table 25: Top Ten FDIC-Insured Industrial Banks by Assets in the US for 2004 in Millions of US$ for Merrill Lynch Bank USA, UBS Bank USA, American Express Centurion Bank, Fremont Investment & Loan, USAA Savings Bank, and Others

Table 26: Mortgage Loans by Company in the US for 2003 in US$ Billion for Countrywide Hm Lns, Washington Mutual, Wells Fargo Hm Mtg, Bank of America, ABN Amro Mortgage, and Others

Table 27: Top Ten Banks in Total Insurance Fee Income in the US (2003) in Millions of US$ for Citibank, N.A., Branch Banking and Trust Company, Chase Manhattan Bank USA, MBNA America Bank, and Others

Table 28: Financial Assets of Banking Institutions by Type in the US for : 2000 through 2003 in Billions of US$ for Commercial Banking, Savings Institutions, and Credit Unions

2. Japan

Commercial Banking

A Historical Perspective of the Banking Crisis

Plaza Accord - A Change that Triggered the Crisis

Bureaucratic Blunders

Hitachi-Omron Terminal Solutions, Corp. (Japan)

3. Europe

Overview

Banking: Mega Mergers in the Offing?

European Retail Financial Services: Bracing up for Imminent Regulatory and Compliance Requirements

Table 29: Leading Banking Groups in Europe in 2004: Assets* in Euro Million for UBS, HSBC Holdings plc, Crédit Agricole, BNP Paribas, Deutsche Bank, Royal Bank of Scotland Group, Credit Suisse, Barclays, ABN Amro Bank, HBOS plc, ING Bank, Société Générale, Fortis, Bayerische Hypo-und Vereinsbank, Rabobank Group, Santander Central Hispano, Lloyds TSB Holding, Banca Intesa, and UniCredito

Table 30: Leading Online Banking Users by Country in Europe: Percentage Market Share for 2003, 2004 and 2005 for Germany, United Kingdom, France, Italy, Spain, Netherlands, Sweden, Austria, Belgium, Switzerland, Portugal, Finland, Greece, Denmark, Norway, Ireland, and Luxembourg

3a. France

A Concentrated Industry

Table 31: Leading Banks in France in 2004: Assets* in EURO Million for Crédit Agricole, BNP Paribas, Société Générale, Groupe Caisse d’Epargne, and Groupe Banque Populaire

Commercial Banking

Retail Banking

Bank Cards

Mortgage Finance

3b. Germany

Commercial and Retail Banking

Bank Cards

Mortgage Finance

Wincor Nixdorf (Germany)

3c. Italy

Overview

Table 32: Number of Cashless Payments by Transaction Mode in Italy: Percentage Market Share for 2003, 2004 and 2005 for Bank Cheques and Bank Drafts, Credit Transfers, Debit Transfers/Collection Orders, and Debit Card Payments

Table 33: Transaction Value by Cashless Payments Mode in Italy: Percentage Market Share for 2003, 2004 and 2005for Bank Cheques and Bank Drafts, Credit Transfers, Debit Transfers/Collection Orders, and Debit Card Payments

3d. United Kingdom

Retail Banking

Commercial Banking

Bank Cards

3e. Russia

Table 34: Russian Leading Banks Deposits for 2003 in Millions of US$ for Sberbank, Bank Moskvy, Alfa Bank, Vneshtorg Bank, Gazprombank, Rosbank, Raiffeisen Bank, PS Bank, Uralsib, and Menatep SP

Credit Card Market

Table 35: Credit Cards Transactions Value by Bank in Russia: Annual Market Estimates/Projections for 2003 through 2008 in Ruble Billion for Bank of Russia, and Private payment

3f. Rest of Europe

Bulgaria

Poland

Table 36: Leading Banks by Assets in Poland: 2004 in Euro Billion for PKO Bank Polski, Bank Pekao, Bank Przemyslowo- Handlowy, Bank Handlowy w Warsawie, ING Bank Slaski, Bank Zachodni WBK, BRE Bank, Kredyt Bank, BIG Bank Gdanski, and Bank Gospodarki Zwynosciowej

Switzerland

Overview

Key Players

Types of Swiss Banks

The Netherlands

Table 37: Number of Electronic and Paper-based Non- Cash Payments in The Netherlands: 2004 in Millions for Debit Cards, Credit Cards, Electronic Purses, Total payment Cards, Direct Debits, Electronic Transfers, Cheques', Paper -Based Credit Transfers, and Inpayment Transfers (Acceptgiros)

Turkey

Table 38: Number of Commercial Banks by Category in Turkey: 2005 Estimates for Private-Sector, Foreign- Owned, State- Owned, and Held by SDIF

4. Asia-Pacific

Loans

Table 39: Leading Arrangers of Loans in Asian Market for 2003 in US$ Million for Mizuho, Sumitomo Mitsui, Mitsubishi Tokyo Financial Group, Citigroup/SSB, ABN Amro, HSBC, Bank of China, Barclays, Standard Chartered Bank, JP Morgan/Bank One, ANZ, National Australia Bank, BNP Paribas, Industrial & Commercial Bank of China, and Deutsche Bank

Table 40: Leading Trade Loan (including aircraft & shipping loans) Arrangers by Value in Asia for 2003 in US$ Million for Al-Bank Al-Saudi Al-Fransi, ANZ Banking Group Ltd, Arab Petroleum Investments Corp, Banco Bilbao Vizcaya Argentaria, Banco Santander Central Hispano, Bank Central Asia, Bank of China, Bank of East Asia, Barclays, BNP Paribas, Citigroup Inc, Commerzbank, Commonwealth Bank of Australia, Credit Agricole Indosuez, Deutsche Bank, Development Bank of Singapore Ltd (DBS Bank), Fortis Group, HSBC, Hua Nan Commercial Bank, Industrial & Commercial Bank of China, ING, IntesaBci SpA, Japan Bank for International Cooperation (JBIC), JP Morgan/Bank One, Land Bank of Taiwan, Mitsubishi Tokyo Financial Group Inc, Mizuho, Natexis Banques Populaires, Nordea, Oversea-Chinese Banking Corp, Saudi American Bank, Scotia Capital, SG, Standard Chartered Bank, State Bank of India, Sumitomo Mitsui Banking Corp, Svenska Handelsbanken Group, Uni- Asia Finance Corp, and United Bank

Key Markets in Asia-Pacific

Australia

China

Overview and Outlook

Table 41: Leading State-Owned Banks by Deposits in China for 2003 in US$ Billion for Industrial and Commercial Bank of China, Bank of China, China Construction Bank, Agricultural Bank of China, and State-Owned Banks

Table 42: Leading State-owned Banks by Assets in China: 2003 in US$ Billion for Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China

Table 43: Bank Cards Spending by Leading Issuers in China for 2003 in RMB Million for Peony, Great Wall, Dragon, and Jinsui

Table 44: Number of ATM, and POS Terminals by Leading Companies in China: 2005 Estimates in Thousands for Peony, Great Wall, Dragon, and Jinsui

Hong Kong

India

Overview

Outlook

Indonesia

Malaysia

Singapore

Table 45: Number of Cashless Payments by Transaction Mode in Singapore: Annual Market Estimates/Projections for 2003 through 2008 in Millions for Cash Card Cards, Cheques, EFTPOS Debit Cards, and Inter Bank Giro (IBG)

Table 46: Payments Infrastructure by Number of Terminals in Singapore: 2005 Estimates in ‘000 for ATMs, EFTPOS Terminals, and Cash Card Terminals

Market Players

South Korea

Overview

Table 47: Retail Paper Based Cashless Payments Volume In South Korea: Annual Market Estimates/Projections For 2003 Through 2008 In Millions For Bills And Cheques Cleared, And Paper-Based Credit Transfers

Table 48: Credit Cards’ Market Profile in South Korea: Annual Market Estimates/Projections for 2003 through 2008 for Cards, Charge Value and Card Loans

Table 49: Electronic Cashless Payments Value by Category in South Korea: Annual Market Estimates/Projections for 2003 through 2008 in Trillions of Won for Credit Card, and Debit Card

Table 50: Electronic Credit Card Payments Value by Category in South Korea: Annual Market Estimates/Projections for 2003 through 2008 in Trillions of Wons for Bank- Affiliated, and Non-Bank-Affiliated

Table 51: Electronic Debit Card Payments Value by Category in South Korea: Annaul Market Estimates/Projections for 2003 through 2008 in Trillions of Wons for Debit cards/EFTPOS, CD/ATM System, IFT System, Electronic Banking Network, CMS System, Bank Line, Direct credit transfers, Standing orders, and Direct debits

Taiwan

Thailand

Table 52: Number of Credit Cards Usage by Company in Thailand: Percentage Market Share for 2003, 2004 and 2005 for Krung Thai Card, Bank of Ayudhya, Citibank, Bangkok Bank, Kasikorn Bank, Standard Chartered Nakanthorn, and Bank of Asia

5. Middle East

Israel

Lipman Electronic Engineering, Ltd. (Israel)

Kuwait

Banking Industry Structure

Overview

Operating Environment

Impact of WTO Accord

Outlook

Oman

Table 53: Bank Deposits in Oman for 2003 in Millions of Riyals for National Bank of Oman, Bank Muscat, Oman International Bank, Bank Dhofar al-Omani al-Fransi, and Oman Arab Bank

6. Latin America

Table 54: Assets of Leading Banks in Latin America: 2004 in US$ Million for Banco do Brasil, Banamex, BBVA Bancomer, Caixa Economica Federal, Bradesco, Banco Santander Chile, Banco Itau, Unibanco, Banorte, Banco de Chile, Bital, Banco del Estado de Chile, ABN - Amro Bank, JP Morgan Chase Bank/Bank One, Banco Santander Mexicano, Banca Serfin, Banco de Credito e Inversiones, Banco de la Nacion Argentina, Citibank, Nossa Caixa, Banespa, Scotiabank Inverlat, Banco Santader Brasil, Banco de la Provincia de Buenos Aires, and Deutsche Bank

Table 55: Bank Loans by Leading Companies in Latin America for 2003 in US$ Million for Banco do Brasil, Banamex, BBVA Bancomer, Caixa Economica Federal, Bradesco, Banco Santander Chile, Banco Itau, Unibanco, Banorte, Banco de Chile, Bital, Banco del Estado de Chile, ABN - Amro Bank, JP Morgan Chase Bank/Bank One, Banco Santander Mexicano, Banca Serfin, Banco de Credito e, Inversiones, Banco de la Nacion Argentina, and Citibank

Table 56: Leading Banks’ Loans Value in Latin America for 2003 in US$ Million for Banco Rio de la Plata, BBV Banco Frances, Corpbanca, Banco Bilbao Vizcaya Brasil, Banco Nacional de Panama, Citibank N.A., Banco Continental, Primer Banco del Istmo, Bancolombia, Banrisul, Banco Bice, BNB, Banco del Desarrollo, Banco Wiese Sudameris, Scotiabank Sud Americano, Bladex, Banerj, Banco Agricola Comercial, Banco Santander Bozano, and BankBoston

Table 57: Bank Deposits by Company in Latin America for 2003 in US$ Billion for Banco do Brasil, Banamex, BBVA Bancomer, Caixa Economica Federal, Bradesco, Banco Santander Chile, Banco Itau, Unibanco, Banorte, Banco de Chile, Bital, Banco del Estado de Chile, ABN - Amro Bank, JP Morgan Chase Bank/Bank One, Banco Santander Mexicano, Banca Serfin, Banco de Credito e, Inversiones, Banco de la Nacion Argentina, and Citibank

Brazil

Brazil: A Key Market in Latin America

Pension Funds Post Robust Gains

ATMS Lead Automated Banking Transactions

Table 58: Automated Banking Users Volume by Number of Transactions in Brazil: Percentage Market Share for 2003, 2004 and 2005 for External Automated Transactions, Internal Automated Transactions, Home and Office Banking/PC Banking, Internet Banking, EFTPOS Terminals, and Transactions Involving Employees

Asset Managers

An Insight

Table 59: Leading Asset Managers by Volume in Brazil: 2004 in Billions of R$ for Bradesco, Banco do Brasil, Itau, CEF, HSBC, Unibanco, Citibank, FleetBoston/Bank Of America, Santander, and ABN Amro

Market Players

Loan Volumes

Table 60: Leading Banks Loan Volume in Brazil for 2003 in Millions of R$ for Banco Do Brasil S.A., Caixa Economica Federal, Banco Bradesco S.A., Banco Itau S.A., Unibanco- Uniao De Bancos, Brasileiros S.A., Banco Santander Brasil, S.A., Banco Citibank S.A., Hsbc Bank Brasil S.A.-Banco, Multiplo, Bankboston Bco Multiplo S.A., Banco Safra S.A., Banco Abn Amro Real S.A., Banco Sudameris Brasil S.A., Banco Mercantil De Sao, Paulo S.A., Banco Bba-Creditanstalt S.A., Bbv Argentaria Brasil S.A., Banco Fiat S.A., Lloyds Tsb Bank Plc, Conglomerado Alfa, Banco Mercantil Do Brasil S.A., Banco Abc Brasil S.A., Banco Rural S.A., Banco Votorantim S.A., Deutsche Bank S.A. Bco, Alemao, Banco Fibra S.A., and Banco Bbm S.A.

Market Players

Outlook

Chile

Overview

Securities

Liberalization

Bad loans

Table 61: Leading Banks by Loans in Chile for 2003 in US$ Million for Santander-Chile, De Chile, Del Estado De Chile, De Credito E Inversiones, BBVA Bhif, Corpbanca, Citibank, Scotiabank Sud Americano, Del Desarollo, Bice, Security, Bankboston N.A., and ABN Amro

Table 62: Leading Banks by Deposits in Chile for 2003 in US$ Million for Santander-Chile, De Chile, Del Estado De Chile, De Credito E Inversiones, BBVA Bhif, Corpbanca, Citibank, Scotiabank Sud Americano, Del Desarollo, Bice, Security, Bankboston N.A., JP Morgan Chase/Bank One, ABN Amro, and Deutsche Bank

Table 63: Leading Banks by Assets in Chile: 2004 Estimates in US$ Million for Santander-chile, De chile, Del estado de chile, De credito e inversiones, Bbva bhif, Corpbanca, Citibank, Scotiabank sud americano, Del desarollo, Bice, Security, Bankboston n.a., JP morgan chas/Bank One e, Abn amro, Deutsche bank, Dresdner lateinamerika, HSBC, Sudameris, nternacional, Falabella, HNS, Do Brasil, Of Tokyo-Mitsubishi, De la nacion argentina, and Ripley

Colombia

Market Overview

Table 64: Leading Banks by Assets in Colombia: 2003 Estimates in US$ Million for Bancolombia, De Bogota, Bancafe, BBV Ganadero, Davivienda, Agrario De Colombia, Occidente, Conavi Comercial, Granahorrar, Popular, AV Villas, Multibanca Colpatria, Citibank, Colmena, and Santander Colombia

Table 65: Leading Banks by Loans in Colombia for 2003 in US$ Million for Bancolombia, De Bogota, Bancafe, Bbv Ganadero, Davivienda, Agrario De Colombia, Occidente, Conavi Comercial, Granahorrar, Popular, Av Villas, Multibanca Colpatria, Citibank, Colmena, and Santander Colombia

Table 66: Leading Banks by Deposits in Colombia for 2003 in US$ Million for Bancolombia, De Bogota, Bancafe, Bbv Ganadero, Davivienda, Agrario De Colombia, Occidente, Conavi Comercial, Granahorrar, Popular, Av Villas, Multibanca Colpatria, Citibank, Colmena, and Santander Colombia

Mexico

Table 67: Payment Cards Usage in Mexico: Annual Market Estimates/Projections for 2003 through 2008 in Thousands for Credit Cards, and Debit Cards

Table 68: Leading Banks by Deposits in Mexico for 2003 in Millions of US$ for Interacciones, Invex, Ge Capital, Banregio, Mifel, Bankboston, Centro, Comerica, A. Express, Azteca, Bansi, HSBC, ABN Amro, and Credit Suisse

Panama

Table 69: Leading Banks by Loans in Panama for 2003 in US$ Million for Sudameris, Multicredit, Popular Bank & Trust, Bankboston, Mercantil Del Istmo., GTC, Panamericano, Atlantico (Panama), Bac International, De La Nacion Argentina, Towerbank International, BCT Bank (Panama), Do Brasil, and Credicorp

Peru

Overview

Table 70: Leading Banks by Deposits in Peru for 2003 in US$ Million for De Credito Del Peru, Continental, Wiese Sudameris, De La Nacion, Interbank, Santander Central Hispano, Citibank, Sudamericano, Citibank, Bankboston, Financiero, Interamericano De Finanzas, Del Trabajo, De Comercio, Standard Chartered, Mibanco, and BNP Paribas Andes

Table 71: Leading Banks by Loans in Peru for 2003 in US$ Million for De Credito Del Peru, Continental, Wiese Sudameris, De La Nacion, Interbank, Santander Central Hispano, Citibank, Sudamericano, Citibank, Financiero, Interamericano De Finanzas, Bankboston, Del Trabajo, De Comercio, Mibanco, Standard Chartered, BNP Paribas Andes, and Agrobanco

Key Players

7. Middle East and Africa

Table 72: Leading Trade Loans (including aircraft & shipping loans) Arrangers by Value in Middle East & Africa for 2003 in US$ Million for Barclays, Deutsche Bank, BNP Paribas, Citigroup Inc, Natexis Banques Populaires, SG, Standard Chartered Bank, Kreditanstalt fur Wiederaufbau, ABN-AMRO Bank NV, HVB Group, ING, HSBC, and BayernLB

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