Bank Information of the World - I

Iceland
1.       Arion Bank - 
        Arion Bank is a leading Icelandic bank offering universal financial services to companies, institutional investors and individuals. These services include corporate and retail banking, investment banking, capital markets services, treasury services, asset management and comprehensive wealth management for private banking clients. Arion Bank has solely operations in Iceland.Arion Bank is a strongly capitalized bank which provides universal banking services to corporations and individuals :

        - Prime emphasis on corporations and individuals seeking a variety of financial solutions
        - Focus on building and strengthening long-term customer relationships by delivering excellent service and   
          tailored   solutions
        - Operations in the Greater Reykjavík area as well as the largest urban areas around the country
        - Contributes to a positive development of the economy and society 
        - A leading position within the domestic financial market in regards to return on equity, operational efficiency and      service offerings
       Address : Borgartúni 19, 105 Reykjavík, Iceland. 
       Website : www.arionbanki.is, Phone Number: 354-444-6000
2.       Central Bank of Iceland - 
        The Central Bank of Iceland (Seðlabanki Íslands) is an independent institution, owned by the Icelandic state but under separate administration. The Central Bank is in charge of monetary policy implementation in Iceland and performs a wide range of functions to this end. The main objective of monetary policy is price stability. Furthermore, the Bank is also obliged to contribute towards the Government's main economic policy objectives insofar as it does not consider this to conflict with its own goal of price stability. In addition, the Central Bank undertakes standard central banking tasks, such as maintaining external reserves and promoting an efficient and safe financial system, including payment systems domestically and with foreign countries. It is also responsible for the issue of notes and coin, exchange rate matters and other duties, as specified in the Central Bank Act. 
       The Central Bank is ultimately under the administration of the Minister of Finance and Economic Affairs and a Supervisory Board. Parliament (the Althing) elects seven members to the Supervisory Board after each parliamentary election. The Minister of Finance and Economic Affairs appoints the Governor and Deputy Governor of the Central Bank for a five-year term. Decisions on applying the Central Bank's monetary policy control mechanisms shall be taken by the Monetary Policy Committee. In other respects, the Bank's direction shall be in the hands of the Governor. The Central Bank of Iceland was established by an act of Parliament in 1961, although the history of central banking in Iceland is much longer. The current Central Bank Act is no. 36/2001.
        Address: 1, 150 Reykjavik, Iceland.
        Website : www.sedlabanki.is, Phone Number: 354-569-9600
3.       Islands Banki - 
        Íslandsbanki is built on a solid heritage of banking. The Bank has roots extending back to 1875 when the Álftaneshreppur Savings Bank, a regional savings bank in the south-western part of Iceland was founded, later merged with Hafnarfjördur Savings Bank in 1902. In the north of Iceland the regional Arnarneshreppur Savings Bank was founded in 1884, later merged with the Northern Savings Bank. Byr was then formed in the years 2007 and 2008 when these two merged with Kópavogur Savings Bank (1954) and the Machinists’ Savings Bank (1961).
        “Old” Íslandsbanki was founded by international merchants in 1904 with the aim of supplying financing to the Icelandic industrial and fisheries sectors. Íslandsbanki, itself the product of a four-way merger, has for decades been instrumental in the consolidation of the Icelandic banking sector and, in so doing, improving its efficiency.
        The Bank offers comprehensive financial services to households, corporations and professional investors in Iceland. The Bank has a strong market share across all domestic franchise areas that are Retail Banking, Corporate Banking, Capital Markets and Wealth Management. Íslandsbanki operates a diverse and efficient branch network with its branches strategically based in the Reykjavík metropolitan area and larger towns across the country.
        Building on a heritage of lending to industry in Iceland, the Bank has developed specific expertise in two industry sector - seafood and geothermal energy - that together form the basis for its overseas strategy. With its focused approach in these fields, Íslandsbanki offers valuable services to industry players and investors.
       Address : Kirkjusandur, Reykjavik, Iceland.
       Website : www.islandsbanki.is, Phone Number : 354-440-4000
4.       Kaupthing Bank - 
        Kaupthing Bank (Icelandic: Kaupþing banki; Icelandic pronunciation: [ˈkœipθɪŋɡ]) was a major international Icelandic bank, headquartered in Reykjavík, Iceland. It was taken over by the Icelandic government during the 2008–2012 Icelandic financial crisis and the domestic icelandic based operations were spun into a new bank New Kaupthing, which was subsequently renamed Arion Banki. All the non-icelandic assets and debts remained with the now defunct Kaupthing Bank. Prior to its collapse it had It also allegedly loaned money to various parties with the purpose of buying Kaupthing shares. Kaupthing Bank previously operated in thirteen countries; including all the Nordic countries, the Netherlands, Belgium, Luxembourg, Switzerland, the United Kingdom and the United States. It was seventh largest bank in the Nordic countries in terms of market capitalization.
        The bank had employed over 3,300 people with 36 retail branches in Iceland. As of 31 December 2007, the bank had a total assets of €58.3 billion.[3] In 2006, it ranked number 1,006 on Forbes Global 2000[4] The same year, it ranked number 177 (up by 34 places from 2005) on the list of the world's largest banks composed annually by the international finance magazine The Banker.[5] That year Kaupthing Bank had net earnings of €812 million, compared with €986 million in 2006. About 70% of the operating profit originated outside Iceland (33% in Iceland, 31% in the UK, 26% in Scandinavia, 8% in Luxembourg and 2% in other countries).
        Address : Borgartun 26, 7th FLoor, Reykjavik, 105, Iceland.
        Website : www.kaupthing.is, Phone Number : 354-444-7000
5.       MP Banki - 
        The bank was founded as MP Securities in 1999 and became an investment bank in 2003, offering a full range of investment banking services. The Bank was granted a full commercial banking licence in 2008 and started accepting deposits and pension savings, in addition to its pre-existing services in Iceland. Two retail banking branches are located in Reykjavík with 24/7 online banking and a customer service centre. The Bank offers all types of retail banking: debet- and credit cards, personal accounts, savings accounts, overdraft, currency exchange and cashier services.
        The Bank´s goal is to be the first choice of individuals and institutional investors, providing quality services and consistent long term results. The Bank offers comprehensive solutions in asset management and private banking for private entities and investors. The Bank is a broker-dealer of securities on domestic and international markets, and provides all major services in the field of corporate finance, including the most common forms of financing for clients. MP Bank is a member of the Nasdaq OMX stock exchange and a direct member of the stock exchanges in the Baltic states (Tallinn, Riga and Vilnius).
        The Team
        The Bank employs a tight-knit team of experts who achieve success on the basis of diverse education, knowledge and extensive experience. Agility and a receptiveness to change are among MP Bank´s most important assets and have served the Bank well during the global market turbulence. In this regard, the Bank´s limited size is also an advantage. Employees are encouraged to foster an adaptive culture in which roles can change quickly, and efficiency is of key importance.
        The Mission
        We provide Icelandic businesses, investors and individuals with selected banking services and comprehensive investment banking and asset management services. Our financial health is based on having a strong and solid relationship with our customers and having the knowledge and skills necessary to support their growth and success.
        Address : Reykjavík, Iceland.
        Website : http://english.mp.is, Phone Number : 354-540-3230
6.       Lands Bankinn - 
        Landsbankinn is a leading Icelandic financial institution. Landsbankinn offers a full range of financial services and is the market leader in the Icelandic financial service sector with the largest branch network.
        Landsbankinn was established on 9 October 2008 but the history of its predecessor runs back to 1886. The banks' shareholders are the Icelandic State Financial Investments, which manages the 98% holding of the National Treasury and Landsbankinn hf. with a 2% holding. Landsbankinn's strategy rests on four main pillars, all of equal importance. These pillars consist of a unified team, referring to the bank's human resources and employees' positive attitude; a solid infrastructure referring to procedures, financial strength, risk management and operational discipline; satisfied customers referring to the bank's customer services and the mutual benefit of a long-term business relationship, and last but not least benefit to society and owners, which refers to the role Landsbankinn has in society.
        Vision for leadership
        Landsbankinn’s vision is to be exemplary and that entails taking the lead on the domestic market in 2013. In the bank’s strategy from 2010, the role of leadership is defined thus that the bank should be the first choice on the financial market; the best bank in Iceland with loyal and satisfied customers. Operations should be both economical and profitable, and trust on international credit markets should be regained. Landsbankinn is exemplary when it is trusted and respected, a universal bank leading on the financial market, the first choice in financial services, has at its disposal ambitious and a tight knit group of employees, is a force for change in Icelandic society, based on strong ethical principles and is considered to be a good investment option in broad ownership.
        Strategy goals
        In the autumn of 2010, the bank set itself a strategy up to 2015, which was based on the position faced by the bank at that time. Key objectives were set and actions taken to achieve them. The bank has achieved noticeable results in strengthening the bank’s operations as planned. Towards the end of 2012, the bank reviewed its strategy to ensure that the bank will achieve results going forward. A number of projects in the coming years have been defined and at the heart of them all is the aim to achieve satisfactory profitability by :
        - Increasing efficiency, which entails reducing significantly cost in the next three years.
        - Practising responsible marketing, increasing customer loyalty and increasing income in real terms.
         - Active risk management and improving the quality of assets, which will entail fewer number of loans falling into    arrears and a lower probability of default while also speeding up the sale of appropriated assets and shares in     
           other companies. 
        - Maintaining a solid financial position by obtaining favourable long-term funding for the bank, creating a strong      liquidity position and establishing broad ownership to the bank.
        - Becoming a leading company in Iceland as regards human resource management and to have at its disposal the     most proficient professionals.
        Address : Breiðholt, Reykjavík, Iceland.
        Website : www.landsbankinn.com, Phone Number : 354-410-4000
7.       Straumur Investment Bank - 
        Straumur Investment Bank hf. (Icelandic: Straumur Fjárfestingabanki, usually referred to simply as Straumur) was founded as a regional investment bank headquartered in Reykjavík, Iceland. Although the bank initially survived the financial turmoil in late 2008, The Financial Supervisory Authority of Iceland (FME) assumed control of Straumur on 9 March 2009.
        ALMC, which is owned by the creditors, successfully completed its composition in summer 2010, first of the collapsed Icelandic banks, with over 99% of ALMC’s creditors approving the composition. Majority of ALMC’s owners are international investors and financial institutions and independent from any state involvement.
        Before the collapse of the Icelandic banking system in late 2008 the company was mainly owned by Björgólfur Guðmundsson and his son Björgólfur Thor Björgólfsson. The latter was also the chairman of the board until the bank was temporarily closed by regulators in March 2009.
        At one point, Straumur was Iceland's largest pure investment bank and the sixth-largest company on the OMX Nordic Exchange in Iceland. Straumur had an established presence in ten countries including the UK, Denmark, Sweden, Finland and the Czech Republic.
        On 9 March 2009, Straumur was nationalised by Icelandic authorities; according to Straumur, its "liquidity position was no longer strong enough to sustain activities".[2] Straumur was the last of Iceland's four biggest banks to remain independent, during the financial crisis.[2] On 27 March 2009, Staumur was closed with the CEO, William Fall, tendering his resignation.
         Today Straumur is the only investment bank in Iceland, as the competitors are either commercial banks or do not hold a banking license. The bank offers a comprehensive range of investment banking services, including brokerage services and corporate finance advice. Straumur is supervised by the Icelandic Financial Supervisory Authority. As a licensed investment bank Straumur is authorized to provide all regular banking services (including custody services) apart from acceptance of retail deposits. It is also required to comply with all regulations concerning the financial market, including implementation of internal policies and procedures to ensure best practice and secure interests of Straumur's clients. CAD ratio of Straumur was 58% at 30, September 2011. Total assets were 36,6 €m.
        Address : Reykjavík, Iceland.
        Website : www.straumur.com, Phone Number : 354-585-6600

India
1.       Bank of India - 
       Bank of India was founded on 7th September, 1906 by a group of eminent businessmen from Mumbai. The Bank was under private ownership and control till July 1969 when it was nationalised along with 13 other banks. Beginning with one office in Mumbai, with a paid-up capital of Rs.50 lakh and 50 employees, the Bank 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. The Bank has 4467 branches in India spread over all states/ union territories including specialized branches. These branches are controlled through 50 Zonal Offices. There are 54 branches/ offices and 5 Subsidaries and 1 joint venture abroad.
        The Bank came out with its maiden public issue in 1997 and follow on Qualified Institutions Placement in February 2008. . Total number of shareholders as on 30/09/2009 is 2,15,790. While firmly adhering to a policy of prudence and caution, the Bank has been in the forefront of introducing various innovative services and systems. Business has been conducted with the successful blend of traditional values and ethics and the most modern infrastructure. The Bank has been the first among the nationalised banks to establish a fully computerised branch and ATM facility at the Mahalaxmi Branch at Mumbai way back in 1989. The Bank is also a Founder Member of SWIFT in India. It pioneered the introduction of the Health Code System in 1982, for evaluating/ rating its credit portfolio. 
        Presently Bank has overseas presence in 20 foreign countries spread over 5 continents – with 53 offices including 4 Subsidiaries, 4 Representative Offices and 1 Joint Venture, at key banking and financial centres viz., Tokyo, Singapore, Hong Kong, London, Jersey, Paris and New York.
        Address : Star House, C-5, "G" Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051, India.
        Website : www.bankofindia.com, Phone Number : 91-22–4091-9191
2.       Bank of Baroda - 
        It has been a long and eventful journey of almost a century across 25 countries. Starting in 1908 from a small building in Baroda to its new hi-rise and hi-tech Baroda Corporate Centre in Mumbai, is a saga of vision, enterprise, financial prudence and corporate governance. It is a story scripted in corporate wisdom and social pride. It is a story crafted in private capital, princely patronage and state ownership. It is a story of ordinary bankers and their extraordinary contribution in the ascent of Bank of Baroda to the formidable heights of corporate glory. It is a story that needs to be shared with all those millions of people - customers, stakeholders, employees & the public at large - who in ample measure, have contributed to the making of an institution. 
        Our mission statement
        To be a top ranking National Bank of International Standards committed to augmenting stake holders' value through concern, care and competence.
        Our Logo
        Our new logo is a unique representation of a universal symbol. It comprises dual ‘B’ letterforms that hold the rays of the rising sun. We call this the Baroda Sun. The sun is an excellent representation of what our bank stands for. It is the single most powerful source of light and energy – its far reaching rays dispel darkness to illuminate everything they touch. At Bank of Baroda, we seek to be the source that will help all our stakeholders realise their goals. To our customers, we seek to be a one-stop, reliable partner who will help them address different financial needs. To our employees, we offer rewarding careers and to our investors and business partners, maximum return on their investment.
        The single-colour, compelling vermillion palette has been carefully chosen, for its distinctivenes as it stands for hope and energy. We also recognize that our bank is characterised by diversity. Our network of branches spans geographical and cultural boundaries and rural-urban divides. Our customers come from a wide spectrum of industries and backgrounds. The Baroda Sun is a fitting face for our brand because it is a universal symbol of dynamism and optimism – it is meaningful for our many audiences and easily decoded by all.  Our new corporate brand identity is much more than a cosmetic change. It is a signal that we recognize and are prepared for new business paradigms in a globalised world. At the same time, we will always stay in touch with our heritage and enduring relationships on which our bank is founded. By adopting a symbol as simple and powerful as the Baroda Sun, we hope to communicate both.
        Address : Baroda Corporate Centre, G-Block, Bandra (East), Mumbai-400051, India.
        Website : www.bankofbaroda.com, Phone Number : 91-22-6698-5000
3.       ICICI Bank -  
        ICICI Bank is India's largest private sector bank with total assets of Rs. 5,367.95 billion (US$ 99 billion) at March 31, 2013 and profit after tax Rs. 83.25 billion (US$ 1,533 million) for the year ended March 31, 2013. The Bank has a network of 3,514 branches and 11,063 ATMs in India, and has a presence in 19 countries, including India. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialised subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management. 
       The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Our UK subsidiary has established branches in Belgium and Germany. ICICI Bank's equity shares are listed in India on Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE). 
       Address : ICICI Bank Towers, Bandra-Kurla Complex, Mumbai 400051, India.
       Website : www.icicibank.com,  Phone Number : 91-22-2653-1414
4.       State Bank of India - 
        VISION
         -  My SBI.
         -  My Customer first.
         -  My SBI: First in customer satisfaction
         MISSION
         - We will be prompt, polite and proactive with our customers.
         - We will speak the language of young India.
         - We will create products and services that help our customers achieve their goals.
         - We will go beyond the call of duty to make our customers feel valued.
         - We will be of service even in the remotest part of our country.
         - We will offer excellence in services to those abroad as much as we do to those in India.
         - We will imbibe state of the art technology to drive excellence.
         VALUES
        - We will always be honest, transparent and ethical.
        - We will respect our customers and fellow associates.
        - We will be knowledge driven.
        - We will learn and we will share our learning.
        - We will never take the easy way out.
        - We will do everything we can to contribute to the community we work in.
        - We will nurture pride in India
       Address : Vidhan Bahvan Marg, Nariman Point, Mumbai, MH, India.
       Website : www.sbi.co.in, Phone Number : 91-22-2288-3888
5.       Allahabad Bank - 
        The Oldest Joint Stock Bank of the Country, Allahabad Bank was founded on April 24, 1865 by a group of Europeans at Allahabad. At that juncture Organized Industry, Trade and Banking started taking shape in India. Thus, the History of the Bank spread over three Centuries - Nineteenth, Twentieth and Twenty-First.
        Vision :
        To put the Bank on a higher growth path by building a Strong Customer-base through Talent Management, induction of State-of-the-art Technology and through Structural Re-organization. 
        Mission :
        To ensure anywhere and any time banking for the customer with latest state-of-the-art technology and by developing effective customer centric relationship and to emerge as a world-class service provider through efficient utilization of Human Resources and product innovation.
        Address : 2, N. S. ROAD, Kolkata-700001, India.
        Website : www.allahabadbank.in, Phone Number : 91-33-2231-9144
6.       Andhra Bank - 
        "Andhra Bank" was founded by the eminent freedom  fighter and a multifaceted genius, Dr. Bhogaraju Pattabhi Sitaramayya. The Bank was registered on 20th November 1923 and commenced business on 28th November 1923 with a paid up capital of Rs 1.00 lakh and an authorised capital of Rs 10.00 lakhs.
       Andhra Bank has a wide range of products to cater to the needs of large, medium and small customers. So Entrepreneurs, strengthen your business acumen with financial backing from Andhra Bank. We always respect your ambitions and pride. We offer various credit facilities like Working capital Finance, Export Imort finance,Working capital Demand Loans,Bill Finance Project Finance And Insurance Finance,Term Finance,Corporate Loans,Equipment Finance etc.,
        Vision
        To become a significant player, providing full range of banking services through innovative customer centric products and to maximize stake holders’ value
        Mission
        To work together towards delivering excellent customer service by leveraging on technology and human resources to attain world class performance standards.
        Address : 5-9-11, Dr Pattabhi Bhavan, Secretariat Road, Saifabad, Hyderabad 500004 A.P., India.
        Website : http://andhrabank.in, Phone Number : 91-40-2323-4313
7.       Bank of Maharashtra - 
       Mission
       - To ensure quick and efficient response to customer expectations.
       - To innovate products and services to cater to diverse sections of society.
       - To adopt latest technology on a continuous basis.
       - To build proactive, professional and involved workforce.
       - To enhance the shareholders’ wealth through best practices and corporate governance.
       - To enter international arena through branch network. 
       - To be a vibrant, forward looking, techno-savvy, customer centric bank serving diverse sections of the society,    enhancing shareholders' and employees' value while moving towards global presence. 
       Our Logo
       - The Deepmal
         With its many lights rising to greater heights.
       - The Pillar 
         Our institution- Symbolising strength.
       - The Diyas
          Our Branches- Symbolising service.
       Address : Central Office, 'Lokmangal', 1501, Shivajinagar Pune-411005, India.
       Website : www.bankofmaharashtra.in, Phone Number : 91-20-2553-2731
8.       Canara Bank - 
        Widely known for customer centricity, Canara Bank was founded by Shri Ammembal Subba Rao Pai, a great visionary and philanthropist, in July 1906, at Mangalore, then a small port town in Karnataka. The Bank has gone through the various phases of its growth trajectory over hundred years of its existence. Growth of Canara Bank was phenomenal, especially after nationalization in the year 1969, attaining the status of a national level player in terms of geographical reach and clientele segments. Eighties was characterized by business diversification for the Bank. In June 2006, the Bank completed a century of operation in the Indian banking industry. The eventful journey of the Bank has been characterized by several memorable milestones. Today, Canara Bank occupies a premier position in the comity of Indian banks. With an unbroken record of profits since its inception, Canara Bank has several firsts to its credit. These include :
        - Launching of Inter-City ATM Network
        - Obtaining ISO Certification for a Branch
        - Articulation of ‘Good Banking’ – Bank’s Citizen Charter
        - Commissioning of Exclusive Mahila Banking Branch
        - Launching of Exclusive Subsidiary for IT Consultancy
        - Issuing credit card for farmers
        - Providing Agricultural Consultancy Services
       Over the years, the Bank has been scaling up its market position to emerge as a major 'Financial Conglomerate' with as many as nine subsidiaries/sponsored institutions/joint ventures in India and abroad. As at June 2013, the Bank has further expanded its domestic presence, with 3765 branches spread across all geographical segments. Keeping customer convenience at the forefront, the Bank provides a wide array of alternative delivery channels that include over 3754 ATMs, covering 1431 centres. Several IT initiatives have been undertaken during the year, which include Funds Transfer through Interbank Mobile Payment Services (IMPS) in ATMs, ASBA facility to net banking users, E-filing of tax returns and facility for viewing details of tax deducted at source, Terminal at select branches for customers to use net banking, SMS/e-mail alerts for all transactions done through ATM, net banking, POS, mobile banking, online payments irrespective of amounts, online loan applications and tracking facility, generation of automatic pass sheets through e-mail and automatic renewal of term deposits. Under Government business, the Bank has implemented internet based application for UGC Maulana Azad National Fellowship Scheme, Web portal for National Scheme for Girl Child Secondary Education, Electronic Accounting Systems of e-Receipts-Customs (EASeR-C) for collection of customs duty and e-payment of commercial taxes module for UP, Karnataka, Delhi and Tamil Nadu.
        Not just in commercial banking, the Bank has also carved a distinctive mark, in various corporate social responsibilities, namely, serving national priorities, promoting rural development, enhancing rural self-employment through several training institutes and spearheading financial inclusion objective. Promoting an inclusive growth strategy, which has been formed as the basic plank of national policy agenda today, is in fact deeply rooted in the Bank's founding principles. "A good bank is not only the financial heart of the community, but also one with an obligation of helping in every possible manner to improve the economic conditions of the common people". These insightful words of our founder continue to resonate even today in serving the society with a purpose. The growth story of Canara Bank in its first century was due, among others, to the continued patronage of its valued customers, stakeholders, committed staff and uncanny leadership ability demonstrated by its leaders at the helm of affairs. We strongly believe that the next century is going to be equally rewarding and eventful not only in service of the nation but also in helping the Bank emerge as a "Global Bank with Best Practices". This justifiable belief is founded on strong fundamentals, customer centricity, enlightened leadership and a family like work culture.
        Address : 112, J C Road, Bangalore, KA 560002, India.
       Website : www.canarabank.com, Phone Number : 91-80-2222-1581
9.       Corporation Bank - 
        Every institution has its start in modest initiatives but what makes it great is the passion of the people behind it. Carrying the legacy forward with an undaunted commitment to its vision, the journey of Corporation Bank truly epitomizes this. Started about 108 years ago in 1906, with an initial capital of just Rs.5000/-, Corporation Bank has recorded Rs. 2,84,722 Crore mark in business and even far more, with over 6677 service outlets across the nation, served by committed and dedicated 13,000 plus Corp Bankers. Proof of which is seen in its enviable track record in financial performance. We have many reasons to cheer, predominant of them is, being able to participate in nation building by empowering the rural and urban population alike. Today, we are proud that we are significant contributors to the growth of the country's economy.
        Nationalised in 1980, Corporation Bank was the forerunner when it came to evolving and adapting to the financial sector reforms. In 1997, it became the Second Public Sector Bank in the country to enter capital market, the IPO of which was over- subscribed by 13 times. the Bank has many " firsts " to its credit - Cash Management Services, Gold Banking, m-Commerce, " Online " approvals for Educational loans, 100% CBS Compliance and more recently, its poineering efforts to take the technology to the rural masses in remotest villages through low-cost branchless banking - Business Corresponent model. All of which symbolise Bank's unswerved commitment to its customers to provide convenience banking. At Corporation Bank, what motivates us is the passion to excel in banking by maintaining highest standards of service to our customers, backed by innovative products and services which makes us one of the leading Public Sector Banks in the country, catering to a wide range of customers - from individuals to corporate clients.
        Address : Mangaladevi Temple Road, Pandeshwar, MANGALORE - 575001, Karnataka, India.
        Website : www.corpbank.com, Phone Number : 91-82-4242-6416
10.    Central Bank of India - 
        Established in 1911, Central Bank of India was the first Indian commercial bank which was wholly owned and managed by Indians. The establishment of the Bank was the ultimate realisation of the dream of Sir Sorabji Pochkhanawala, founder of the Bank. Sir Pherozesha Mehta was the first Chairman of a truly 'Swadeshi Bank'. In fact, such was the extent of pride felt by Sir Sorabji Pochkhanawala that he proclaimed Central Bank of India as the 'property of the nation and the country's asset'. He also added that 'Central Bank of India lives on people's faith and regards itself as the people's own bank'.
        During the past 102 years of history the Bank has weathered many storms and faced many challenges. The Bank could successfully transform every threat into business opportunity and excelled over its peers in the Banking industry.
        Address : Chander Mukhi, Nariman Point, Mumbai – 400021, India.
        Website : www.centralbankofindia.co.in, Phone Number : 91-22–6638-7777
11.    Indian Bank - 
        Leadership in Rural Development
        • Under Financial Inclusion Plan, Indian Bank has been allotted with 1523 villages with population above 2000 ,all    the 1523 villages have been provided with banking services as on 30thSeptember 2012 as below:
         - 1425 villages through Smart card based Business Correspondent (BC) Model
         -  53 villages through Brick and mortar branches /Banking Service Centres (BSCs)
         -  45 villages through Mobile Branch/Van
       • Pioneer in introducing Self Help Groups and Financial Inclusion Project in the country
       • Award winner for Excellence in Agricultural Lending from Honourable Union Minister for Finance
       • Best Performer Award for Micro-Finance activities in Tamil Nadu and Union Territory of Puducherry from  NABARD
      • Established 45 specialized exclusive Microfinance branches called "Microsate" across the country to cater the  needs of Urban poor through SHG (Self Help Group)/JLG (Joint Liability Group) concepts
      • A special window for Micro finance viz., Micro Credit Kendras are functioning in 44 Rural/Semi Urban branches
      • Harnessing ICT (Information and Communication Technology) for Rural Development and Inclusive Banking
      • Provision of technical assistance and project reports in Agriculture to entrepreneurs through Agricultural Consultancy & Technical Services (ACTS)
      Address : PB No: 5555, 254-260, Avvai Shanmugam Salai, Royapettah, Chennai-600014, India.
      Website : www.indianbank.in, Phone Number : 91-44-2813-4300
12.    Oriental Bank of Commerce - 
        VISION STATEMENT
         "To be a customer friendly premier bank committed to enhancing stakeholders value".   
         MISSION STATEMENT
         Provide quality, innovative services with state-of-the-art technology in line with customer expectations.
        Enhance employees’ professional skills and strengthen cohesiveness.
       Create wealth for customers and other stakeholders.
       A pioneer in introducing the latest technology in Banking
        • 100% Core Banking Solution(CBS) Branches
        • 100% Business Computerisation
        • 1567 Automated Teller Machines(ATM)
        • 24 x 7 Service through more than 99242 ATMs under shared network
        • Internet and Tele Banking services to all Core Banking customers
        • e-payment facility for Corporate customers
        • Cash Management Services
        • Depository Services
        • Reuter Screen, Telerate, Reuter Monitors, Dealing System provided at Overseas Branch, Chennai
        • IB Credit Card Launched
        • IB Gold Coin
        • IB Prepaid Cards Launched (GIFT Card, International Travel Card)
       Address : Plot No. 5, Institutional Area, Sector-32, Gurgaon – 122001, India.
       Website : www.obcindia.co.in, Phone Number : 91-12-4412-6200
13.    Punjab National Bank - 
       With more than 119 years of strong existence and over 6000 branches including 5 overseas branches, 6460 ATMs, 5047 Business Correspondents and 2165 Ultra Small Branches, Punjab National Bank is serving more than 82 million esteemed customers. PNB, being one of the largest nationalized banks, has continued to provide prudent and trustworthy banking services to its customers. The Bank enjoys strong fundamentals, large franchise value and good brand image. To meet the growing aspirations of the people and compete in these tough conditions, the Bank offers wide range of products and services.
       Awards and Recognition :
       Owing to its performance during the year 2012-13, Bank earned many laurels and accolades in recognition to its service towards doing good to society and on its overall performance. Recently, PNB was awarded with “IDRBT Banking Technology Excellence Award under customer Management and Intelligence Initiatives’. Bank also bagged “Golden Peacock Business Excellence Award” 2013 by Institute of Directors. Bank has been recognized as ‘Best Public Sector Bank' by CNBC TV 18. The Bank has also been recognized as “Most Socially Responsive Bank” consecutively for second year by Business World and PwC. Further, The Sunday FINWIZ 2012 declared Bank the “Best Banker in Agriculture Credit (Large)”.The Bank was also conferred with National Award for Excellent Performance in Lending under PMEGP Scheme of KVIC in North Zone by Ministry for MSME, GOI. Apart from this, Bank was also bestowed with the IBA Banking Technology Awards 2012 under the categories of “Best Use of Business Intelligence” and “Best Risk Management and Security Initiatives”.
        Globally, 'The Banker' Magazine, London has ranked PNB at 170th position amongst World's Top 1000 Banks in 2013, up from 175th position in 2012. Forbes Magazine has placed PNB at 668th place amongst 2000 global giants. The Bank has also been ranked at 26 amongst FE 500 India's Finest Companies.
        Business Performance :
        During Q1 FY’14, Punjab National Bank maintained it NUMBER ONE position in Saving Deposits, CASA Deposits Total Income, Non Interest Income, Operating Profit and Net Profit amongst nationalized bank. With 37.79% share of CASA Deposits to Total Deposits, PNB stood Number one amongst peers. Further in terms of Bottom line performance, the Bank achieved a Net Profit of Rs 1275 crore and Operating Profit of Rs 2974 crore during Q1 FY’14. Also, Net Interest Margin (NIM) at above 3.50% remained highest amongst peer banks. Bank has a strong capital base with capital adequacy ratio of 12.44% as on June’13 as per Basel II and 11.79% as per Basel III. The Bank has been able to maintain its stakeholders’ interest by holding NIM at 3.52% during Q1 FY’14, highest amongst its peers. Earnings per Share (EPS) improved to Rs 144.32 while the Book value per share (BVpS) improved to Rs.920.22.
        Financial Inclusion :
        Apart from financial performance, the Bank has been able to achieve new landmarks in operational performance. Recently the Bank crossed the landmark of 6000 branches with the opening of a branch in unbanked rural area of Alangudi in Tamil Nadu. This is testimony to the fact that the Bank has been a frontrunner in the industry so far as the initiatives for Financial Inclusion is concerned. Bank has extensively used technology to reach out to those which have remained away from formal banking set up. Further, the Bank is actively participating in the Direct Benefit Transfer (DBT) Programme of the Government leading to seamless transfer of cash benefits into the accounts of beneficiaries,
        Alternative Delivery Channels :
        The Bank has made rapid strides in banking sector with the help of various technology enabled products and services which are providing convenient banking to all the customers including young generation which are techno savvy to the core. The Bank has the vast network of branches including specialised branches which are offering multiple products and services to its customers. Bank also has a large network of ATMs which provides facilities like Fund Transfer, Bill Payments mobile registration for generation of SMS alerts, Direct Tax Payment request for stop payment of cheques, etc. The Bank is offering Internet Banking Services to its customers, which includes online bills payment of utility services; on line Railways/air ticket booking, e payment towards services like Excise Duty and service tax, etc. It is also providing on line trading activity to its customers and de’mat accounts are also getting available to the customers. Bank has come out with SMS Alert and Mobile Banking Options to the customers, which has led to tendering of Anytime Anywhere banking facility to the customers and keeping the customers updated about all their financial transactions. All the branches of the Bank are Real Time Gross Settlement (RTGS) /National Electronic Fund Transfer (NEFT) enabled wherein customers can transfer funds at the click of the mouse.
        Wealth Management Products :
        In the intense competitive environment, which is set to intensify further with the entry of new players, the Bank is diversifying its revenue streams. During the FY'13, the Bank acquired 30% stake in MetLife India Insurance Company Ltd., creating a new entity named PNB MetLife India Insurance Company Ltd. Apart from it, Bank is offering credit & debit card, Gold Business, Merchant Banking, Mutual Fund, Factoring Services, etc.
        PNB Pragati :
        In Bank's quest for excellence in delivering banking services to its customers, last year the Bank initiated an organizational transformation exercise called PNB Pragati. Under this, the Bank has converted more than 363 branches into “Pragati Branches”. The layout of these branches has been modified and the flows have been streamlined, so as to offer customers a better banking experience. A queue management system has been put in place and a self-service area equipped with a Passbook Printing Terminal, Cash and Cheque Deposit Machine and ATM has been created. The new layout with self service area, reception area and HNI area has enabled speedy and convenient delivery of service to customers in an excellent ambience.
        Global Reach (Branches and Subsidiaries) :
        Backed by strong domestic performance, the Bank has its global aspirations as well. Bank has expanded its footprint into 10 countries.  Bank also has 5 overseas branches in Hong Kong, Dubai & Afghanistan and an Offshore Banking Unit (OBU) Branch in SEEPZ, Mumbai. Bank has three subsidiaries viz. PNB International Ltd. (UK), Druk PNB Bank Ltd, Bhutan and JSC SB PNB Kazakhstan. Also Bank has a joint venture with Everest Bank Limited, Nepal with 48 branches. The Bank has Five Representative Offices each in Sydney (Australia), Dubai (UAE), Almaty (Kazakhstan), Shanghai (China) & Oslo (Norway). Bank is also exploring the presence in Bangladesh, Canada, Maldives, Mozambique and Pakistan.
        Way Forward :
        Moving forward, Bank will keep on dedicating itself for fulfilling the financial needs of the masses making them financially empowered. The Bank will continue to compete to be the leading financial service provider for valuable customers creating exceptional value for its shareholders and people.
        Address : 7 Bhikhaiji Cama Place, New Delhi-110607, India.
        Website : www.pnbindia.in, Phone Number : 91-12-0249-0000
14.    Union Bank of India - 
        Union Bank of India was established on 11th November 1919 with its headquarters in the city of Bombay now known as Mumbai. The Head Office building of the Bank in Mumbai was inaugurated by Mahatma Gandhi, the Father of the nation in the year 1921, and he said on the occasion :
        "We should have the ability to carry on a big bank, to manage efficiently crore of rupees in the course of our national activities. Though we have not many banks amongst us, it does not follow that we are not capable of efficiently managing crore and tens of crore of rupees."
        His prescient words anticipated the growth of the bank that has taken place in the decades that followed. The Bank now operates through over 3500 branches across the country. The Bank's core values of prudent management without ignoring opportunities is reflected in the fact that the Bank has shown uninterrupted profit during all 93          years of its operations. Union Bank has been playing a very proactive role in the economic growth of India and it extends credit for the requirements of different sectors of economy. Industries, exports, trading, agriculture, infrastructure and the individual segments are sectors in which the bank has deployed credit to spur economic growth and to earn from a well diversified portfolio of assets.
        Resources are mobilized through Current, Savings and Term Deposits and through refinance and borrowings from abroad. The Bank has a large clientele base of over 49 million. On the technology front the Bank has taken early initiatives and 100% of its branches are computerized. The Bank has also introduced Core Banking Solution with connectivity between branches. 100% of the business of the Bank is under Core Banking Solution making it a leader among its peers in infusion of technology. Many innovative products are developed using the technology platform to offer an array of choices to customers, adding speed and convenience to transactions. Technology will also enable the Bank to derive substantial cost reduction while creating the requisite capacity to handle the ever increasing volume of business in a competitive environment that offers immense opportunities.
        At the end of March 2013 the Bank achieved total business level of Rs. 4,75,673 crore (Rupees four lakh seventy five thousand six hundred seventy three crore).
        Behind all these achievements is a dedicated team of staff, which is truly cosmopolitan in its composition. Many generations of members of staff have contributed in building up the strong edifice of the Bank. The present team of over 31,000 members of staff distinguishes itself with its customer centricity, willingness to learn and adherence to values enabling us to be recognized as a caring organization where people enjoy their work and relationship with customers.
        Address : Plot No. B-5, Part B Crosslane, MIDC, Andheri (East), Mumbai-400093, India.
        Website : www.unionbankofindia.co.in, Phone Number : 91-22-2289-2000
15.    United Bank of India - 
        United Bank of India (UBI) is one of the 14 major banks which were nationalized on July 19, 1969. Its predecessor the United Bank of India Ltd., was formed in 1950 with the amalgamation of four banks viz. Comilla Banking Corporation Ltd. (1914), Bengal Central Bank Ltd. (1918), Comilla Union Bank Ltd. (1922) and Hooghly Bank Ltd. (1932) (which were established in the years indicated in brackets after the names). The origin of the Bank thus goes as far back as to 1914. As against 174 branches, Rs. 147 crores of deposits and Rs. 112 crores of advances at the time of nationalisation in July, 1969, today the Bank is 100% CBS enabled with more than 1800 branches and offices and is having a Total business of more than Rs 2 lac crore. Presently the Bank is having a Three-tier organisational set-up consisting of the Head Office, 35 Regional Offices and the Branches.
       After nationalisation, the Bank expanded its branch network in a big way and actively participated in the developmental activities, particularly in the rural and semi-urban areas in conformity with the objectives of nationalisation. In recognition of the role played by the Bank, it was designated as Lead Bank in several districts and at present it is the Lead Bank in 30 districts in the States of West Bengal, Assam, Manipur and Tripura. The Bank is also the Convener of the State Level Bankers' Committees (SLBC) for the States of West Bengal and Tripura.
        UBI played a significant role in the spread of banking services in different parts of the country, more particularly in Eastern and North-Eastern India. UBI has sponsored 4 Regional Rural Banks (RRB) one each in West Bengal, Assam, Manipur and Tripura. These four RRBs together have over 1000 branches. United Bank of India has contributed 35% of the share capital/ additional capital to all the four RRBs in four different states. In its efforts to provide banking services to the people living in the not easily accessible areas of the Sunderbans in West Bengal, UBI had established two floating mobile branches on motor launches which moved from island to island on different days of the week. The floating mobile branches were discontinued with the opening of full-fledged branches at the centers which were being served by the floating mobile branches. UBI is also known as the 'Tea Bank' because of its age-old association with the financing of tea gardens. It has been the largest lender to the tea industry.
        The Bank has three full fledged Overseas Branches one each at Kolkata, New Delhi and Mumbai with fully equipped dealing room and SWIFT terminal . Operations of all the branches have since been computerized and Electronic Fund Transfer System came to be implemented in the Bank's branches across the country. The Bank has ATMs all over the country and customers can use United International Debit Card at all VISA ATMs across the globe.
        Address : 11 Hemant Basu Sarani, Kolkata-700001, India.
        Website : www.unitedbankofindia.com, Phone Number : 91-33-22310513

Indonesia
1.       Bank Central Asia - 
       Bank Central Asia (BCA) continues to grow and is getting matang.Ini all because the support unyielding work ethic of all employees and full support of all customers. 56 years, a span long and full of challenges in fulfilling our commitment to maintain the trust and expectations of loyal customers and stakeholders other. BCA more solid and focused steps to realize the ideals of a bank that is always "Always on Your Side".
        Flashback Performance
        At the age of 56 this year, BCA celebrate with gratitude for all the blessings and grace given by God. Because my birthday celebrations are not just wallowing in luxury and joy, but also a good time to reflect on what has been done during the year backwards. Moments birthday is also a hope for the whole family to come together BCA, hand in hand, and work together in building the BCA for the creation of the Enhanced Relationship and Quality Growth. On the other hand, the Bank continues to uphold the company's values ​​and culture as well as the focus of the interests customers. In addition to continuing to finalize themselves, supported and unyielding spirit of all employees in the face of all challenges, the role of customers who chose BCA as a place to success with also become an integral part. Therefore, the principle of Relationship and Enhanced Quality Growth should be implemented in earnest in serving customers faithfully BCA accompanied by an increase in the quality of self-BCA.
        In accordance with the slogan "Always on Your Side", BCA strives to continue to provide services and solutions to customers in accordance with banking products and services that are needed. Our expectation at the age of 56, the BCA will be more resilient in the face of all challenges. May success always accompanies our steps together.
        Address : 1, Jakarta10310, Indonesia.
        Website : www.bca.co.id, Phone number : 62-21-235-88000
2.       Bank Indonesia - 
        Vision
        Be a credible central bank institutions and the best in the region through the strengthening of the strategic values ​​that are owned and achievement of low inflation and a stable exchange rate
        Mission
        Achieve the stability of the rupiah and maintain the effectiveness of monetary policy transmission to drive quality economic growth. Encourage national financial system is working effectively and efficiently and able to withstand internal and external shocks to support the allocation of funding / financing can contribute to the growth and stability of the national economy. Realize the payment system that is safe, efficient, and smooth that contribute to the economy, monetary stability and financial system stability by focusing on expanding access and national interests. Develop and maintain organizational and human resources that Bank Indonesia upholds the values-based strategic and performance, and corporate governance (governance) quality in order to carry out the tasks mandated by the Act.
        Strategic Values
        Trust and Integrity - Professionalism - Excellence - Public Interest - Coordination and Teamwork
        Strategic Objectives
        - Strengthen the control of inflation from the demand side and supply
        - Maintain exchange rate stability
        - Encourage financial markets and efficient in
        - Keeping SSK supported by strengthening surveillance SP
        - Realizing inclusive finance is directed, efficient, and synergistic 
        - SP maintain a safe, efficient, and smooth
        - Strengthen financial management BI accountable  
        - Realize the work processes effectively and efficiently with the support of SI, culture, and governance
        - Accelerate the availability of competent human resources
        - Strengthen strategic alliances and increase the positive perception of BI
        - Confirming the transition smooth transfer of functions to the FSA bank oversight
        Address : 2, Jakarta 10350 Indonesia.
        Website : www.bi.go.id, Phone number : 62-21-298-17187
3.       Bank Internasional Indonesia- 
        Bank Internasional Indonesia (BII) is the eighth largest Indonesian bank by assets as of September 2010. It is 97.4% owned by Maybank of Malaysia. BII was established on May 15, 1959. After earning foreign exchange bank status in 1988, BII listed its shares on Jakarta Stock Exchange and Surabaya Stock Exchange in 1989 (now the Indonesia Stock Exchange or IDX). Since going public, BII has grown to become one of Indonesia’s leading local private banks. As of 30 September 2012, BII is 97.29% owned by Malayan Banking Berhad (Maybank), Malaysian largest financial group. BII is one of the top ten largest banks in Indonesia. As of 30 September 2012, BII’s network comprised 389 branches including sharia and overseas branches and 1,237 Automatic Teller Machines (ATMs) including 65 Cash Deposit Machines (CDMs) nationwide. BII’s ATM network is also connected to all networks in Indonesia namely ATM PRIMA, ATM BERSAMA, ALTO and CIRRUS, Malaysia’s MEPS network as well as 3,500 Maybank ATMs in Malaysia and Singapore. We serve a full range of financial services to individual and corporate through SME, Global Wholesale Banking and Consumer business as well as automotive financing through our subsidiaries, WOM Finance for motorcycle and BII Finance for car financing. As of 30 September 2012, the Bank controls third party funds of Rp79.8 trillion and maintain assets worth of Rp105.6 trillion. Since 2012 until now, BII is fully owned by PT Global Mediacom Tbk.
        Address : One Indiabulls Centre, Tower 2B, 702, 7th Floor, Elphinstone Road (West), Mumbai 400013, Indonesia.
        Website : www.bii.co.id, Phone number : 62-21-788-69811
4.       Bank Negara Indonesia - 
        Established in 1946 as the first bank formed and owned by the Indonesia Government, BNI used to be called by its unabbreviated name of Bank Negara Indonesia. Historical records show that on the eve of the 30th October 1946, only a few months after its formal establishment, the Bank distributed the first currency bills ever issued by the Indonesian government, know as ORI, or Oeang Republik Indonesia. This day is commemorated annually as the National Finance Day, while the date of the Bank’s establishment – the 5th of July – was assigned as National Bank Day. Following the appointment of the Dutch-inherited De Javasche Bank as Indonesia’s Central Bank in 1949, Bank Negara Indonesia’s role as the circulation and central bank was terminated. The Bank was instead designated as a development bank, and was later given rights to provide foreign reserve services, thus allowing direct foreign transactions.
        In 1955, along with increased capitalization, the Bank’s legal status was formally changed into that of a state-owned commercial Bank. This became the foundation for the Bank to provide a better and wider scope of assistance for the country’s national business. By the last quarter of 1968, the bank decide to attach its year of establishment to its name as part of its corporate identity, officially changing the corporate name into Bank Negara Indonesia 1946. The Bank was then widely referred to as ‘BNI 46” for several decades. The simpler name of ‘Bank BNI’ was adopted in 1988 along with the change of corporate identity.
        BNI legal status was upgraded in 1992 into a state-owned limited corporation with the name of PT Bank Negara Indonesia (Persero), while the Bank decision to become a public company was manifested through public offering of its shares in 1996. BNI’s ability to adapt to environmental, socio-cultural and technological advances is reflected through the continuous refinement of its corporate identity over time, which signifies the Bank’s dedication and commitment to continuous improvement of performance. A refined corporate identity was introduced in 2004, reflecting positive future prospects after a year of struggle through a period of hardship. A shorter name of ‘BNI’ replaced the former ‘Bank BNI’, while the year of establishment – ‘46’ – was exposed through the logo-mark, as a reinforcement of the pride of being the country’s first national bank. Maintaining the spirit of the heroic national struggle that is rooted it its history, BNI strives to provide the best services for the country, to become the Pride of the Nation, today and always.
       Address : 1, Jakarta 1002, P.O. Box 2955, Jakarta 10220, Indonesia.
       Website : www.bni.co.id, Phone number : 62-21-572-8387  
5.       Pt Bank Syariah Mandiri - 
       PT Bank Syariah Mandiri operates as a bank, which provides depository and loan services. The bank is based in Jakarta, Indonesia. PT Bank Syariah Mandiri operates as a subsidiary of PT Bank Mandiri.
       Address : Wisma Mandiri I, Jl MH Thamrin No 5, Jakarta,  10340, Indonesia.
       Website : www.syariahmandiri.co.id, Phone number : 62-21-230-0509

Iran
1.       Bank Keshavarzi - 
        History
        The first official agricultural finance institution of Iran was established in 1930. The institution, decades later called The Agricultural Cooperative Bank of Iran (ACBI), grew gradually providing funds for small and medium-scale agricultural activities in villages nationwide. The Agricultural Development Bank of Iran (ADBI) was founded in 1969 in order to finance the large scale development projects in the agricultural sector. After the Islamic revolution, based on the "Banking Nationalization Law", the two afore-mentioned banks were merged to form "Bank Keshavarzi (Agriculture Bank of Iran)". Having access to specialized human resources and experiences of the two organizations gained during several decades of granting credit facilities to small and large projects, the bank was provided with new possibilities to render quality banking services to the rural population and the agriculture sector of the country.
        BK's Development
        BK began its operation as a state-owned financial entity supporting the agriculture sector with financial resources funded by the government, mostly in form of capital.  Within the initial years of operations, the bank was less concerned over the mobilization of its financial resources and its basic performance was the distribution of resources supplied by the government. Within the 80s, BK obtained its required resources through the surplus of the commercial bank's resources or would borrow funds from the Central Bank. However, by the end of the 8-year imposed war and implementation of the first Five-year Development Plan (FYDP), credit activities of commercial banks had to finance other economic sectors and, thus, the bank encountered resources limitations to finance agricultural activities.
        Challenges of dependency on government funds and commercial banks, excess demand for credit facilities with the lowest interest rate and economic liberalization movement in the banking system eventually led to changes in the bank's approach towards the agricultural financing. In early 1990s, BK started mobilization of public deposits and offering a variety of banking services rather than relying on other banks and the government's financial resources. Such an approach led to remarkable achievements in the bank's performance and most importantly, further support for the agriculture sector. Within the period, the management focused on expansion of branches in rural areas and savings of the rural population. Thus, BK initiated a new stage of reforms, including restructuring and completion of branches' network, expansion of electronic-based banking operations and services, diversification of banking services and products, development of international banking operations, and enforcement of capital structure.
        Such reforms and developments gradually transformed the bank from a credit and one-way fund into a "full-service bank", concentrating on the following principles aimed at accomplishing its mission and realization of its vision :
        - Customer-oriented management and creating value for customers;
        - Profitability and value creation for the bank's stake-holders;
        - Financial discipline;
        - Development of human capital;
        - Financial self-reliance;
        - Innovation and continuous improvement of services quality (creating competitive advantage)
       The bank is now considered a pioneer bank in offering variety of banking services through its 1,914 branches nationwide, including 476 rural branches, 1182 urban branches, and 72 branches based in other organizations. For the past decade, the bank has been successful in meeting its objectives, especially financing the agriculture sector through active participation in monetary and financial markets and relying on adequate resources mobilization.​
       Chief among the fundamental and strategic objectives of the bank are as follows :
       - Granting credit facilities to improve rural living standards;
       - Developing small industries in rural areas;
       - Enhancing rural income levels;
       - Boosting agricultural production;
       - Strengthening the sector to reach self-sufficiency in production of agricultural crops and livestock products; and
       - Escalating agricultural export.
       Address : No.247, Patrice Lumumba St., Jalal-al-Ahmad Exp.Way, Tehran 1445994316, I.R. Iran.
       Website : www.agriculbank.org, Phone number : 98-21-235-88000
2.       Bank of Industry & Mine - 
        "Bank of Industry and Mine" as a development bank is the most important organization which endeavors for helping economic growth through development of industries and mines. Its purpose is to be an economic enterprise for applying banking procedures and capabilities, developing and investing in order to advance Iran’s economic situation and to prepare suitable grounds for cooperation and participation of private sector by use of all potential facilities such as: organizations, processes and appropriate devices in the field of industries, mines, modern technologies and their associated services. 
        Activity Profile
        The Bank’s Articles of Association (Article 5) summarizes its activities as follows:
         - Assessment, appraisal and subsequent supervision of industrial and mining projects and related services;
         - Encouragement of investment by real and legal entities in the establishment, expansion, renovation and       
           upgrading of industrial and mining operations;
        - Provision of financial support to projects and production units through granting financial facilities, investments 
          and other forms of contribution;
       - Contribution to the establishment of technical, legal and other service providers for the Iranian Industrial and     
          Mining sectors;
       - Introduction of new and effective financial services to internationalize and professionalize the Iranian banking     
         industry;
       - Establishment of new branches to provide clients with high quality services; participate in money and capital     
         markets as well as improve the Bank’s market position;
       - Mobilization of financial facilities in Rials and foreign currencies from domestic and international financial 
         markets;
       - Mobilization of credit deposits for deposit collection;
       - Management of funds, issuance of letters of credit and letters of guarantee for industrial and mining projects.
      Address : No. 2917, Valiasr Ave. Tehran, P.O. Box: 15875-4456, Iran. 
      Website : w3e.bim.ir, Phone number : 98-21-22029859
3.       Bank Tejarat - 
        In 1887 a British bank named The East Modern Bank (Bank Jadid Sharq) established branches in some cities of Iran such as Tehran, Tabriz, Rasht, Mashhad, Isfahan, Shiraz, and Bushehr. In 1888, on the basis of a 60 year concession awarded to “Baron Paul Julius Reuter” the establisher of Reuters News Agency by Naser od-Din Shah (Qajar shah of Iran: 1848-96), the facilities of The East Modern Bank was assigned to Bank Shahanshahi. By virtue of this concession. The dealing center in Tehran and the bank were recognized under submission of the laws of Britain, and London was its main center. This bank established some branches in other cities of Iran and foreign countries. The exclusive privileges of publishing paper money, tax exemption, performing commercial-industrial affairs, profiting from all subterranean resources, etc. were awarded to the mentioned bank. Concentration of the governmental accounts and the treasury funds in Bank Shahi and the said bank’s interferences in all the marital and civic affairs led to its absolute domination on the financial affair of Iran.
        Since Bank Shahi was a private institution, it never solved a problem for the Iranian Government. Bank Shahi supplied useful services in the field of industries of Britain and export of the agricultural products required for this country’s industry. This function led to development of the economic power of Britain, and increasing the economic influence of this country in Iran. Bank Shahi continued to be active under the same title until February 1949 when its 60 year concession expired, and thereafter renaming to “British Bank in Iran and Meddle East”, it continued to be active until August 1952 without the former concession and rights. Gradually as a result of the anti-colonialism campaigns of the Iranian people and the statement of Decedent Ayatollah Kashani on September 20 1951, the bank was dismissed from all the banking transactions such as gavel bills, opening current accounts, and any kinds of banking works. Finally on Nov 07 1952 and after expiry of Bank Shahi’s 60 year concession, a bank named Bank Bazargani (which means Commerce Bank in Persian) with 100% investment of Iran bought the place of Bank Shahi for amount of IRR 36’000’000 and a national institution took the place of a foreign institution. The capital of bank was the amount of IRR 1’500’000’000 divided to 150’000 registered shares of IRR 10’000 all of which were paid. The said bank on March 20 1978 had 102 branches in Tehran, 140 branches in other cities of Iran, 2 branches outside the country (Hamburg and London), and totally 3801employees. To execute the Banks Nationalization Act approved in 1979 and subsequently in execution of the banks integration; integrating Bank Bazargani, five domestic commercial banks, and six previous multi-nationality banks which were active in international and domestic fields, BANK TEJARAT (which means Trade Bank in Persian) was established.
        Address : Taleghani Br., 130, Taleghani Ave., Tehran, Iran.
        Website : www.tejaratbank.ir, Phone number : 98-21-88826690
4.       Central Bank of Iran - 
        Structure of the Central Bank of the Islamic Republic of Iran are as follows :
        - General Assembly
        - Money and Credit Council
        - Managing Board
        - Board monitoring reserve money
        - Board of Supervisors
        Members of the Assembly is comprised of :
        - President (head assembly)
        - Minister of Economic Affairs and Finance
        - Head of Management and Planning
        - Secretary of Commerce 
        - And one person selected by the Cabinet of Ministers
       Responsibilities of the General Assembly :
       - And approval of the balance sheet of the Central Bank of the Islamic Republic of Iran
       - Hearing and decision the final decision of the Board of Supervisors Reports
       - Hearing and decision on the proposed special dividend bank
       - Elected members of the Board of Supervisors upon the recommendation of the Minister of Economy and Finance
       - Other duties in accordance with the provisions of this Act, the General Assembly has been instituted.
      Address : Tehran, Iran, Damad No.198, PO Box : 7177/15875.
      Website : www.cbi.ir, Phone number : 98-21-29954855
5.    Europäisch-Iranische Handels Bank - 
     We bring people together
     The Islamic Republic of Iran is one of the key markets in the Middle East. Thanks to its potential in raw materials 
     and the subsequent possibilities for investments and industrial developments as well as to its geopolitical 
     situation this country offers outstanding conditions for economical cooperation.
     To take profitable advantage of these opportunities you need a partner who is familiar with the situation in the 
      country and the market participants.
      Europäisch-Iranische Handelsbank AG has demonstrated such expertise throughout its 40 years of activity as a 
      specialised bank: Convincing proof is provided by our creative solutions, flexible financing and professional 
      assistance in processing business with Iran.
      You will find in us an efficient and reliable partner for all your foreign trade transactions with Iran, a partner, who 
      attaches great importance to a long term customer relationship.
      The Bank
      - 1971 foundation in Hamburg under the name of Deutsch-Iranische Handelsbank AG
      - since 1994 named Europäisch-Iranische Handelsbank AG
      - orientation towards a specialised bank for services and business possibilities with Iran
     Your Partner for Iran and the World
     - strong presence in Iran through our branches in Tehran and in the Free Zone of Kish Island as well as our co-operation with shareholder banks and correspondents
    - world-wide presence through long standing correspondent relations with internationally oriented banks
    - creative financing solutions for business transactions with Iran thanks to a comprehensive knowledge of this 
       market
    - support and reliable assistance of customer business in Iran
    - drawing up proposals for made-to-measure financial concepts
    Address : No. 28, Tandis Ave., North Africa St. (EX Jordan St.), Tehran 191563383, Iran.
    Website : www.eihbank.de, Phone number : 98-21-26203020

Iraq
1.  Rafidain Bank - 
    Rafidain Bank (Arabic: مصرف الرافدين‎) is the largest bank in Iraq, with 165 branches inside Iraq and with branches in 
    Cairo, Beirut, Abu Dhabi, Bahrain, Sana'a, Amman and Jabal Amman. Its HQ is in central Baghdad. The bank was 
    established in 1941 and in the 1960s in a wave of Ba'ath nationalisation became a state bank. In 1988 the Rafidain's 
    non-performing assets were carved out into the Rasheed Bank. The Bank was very badly damaged by the first Gulf 
    War and the economic sanctions against Iraq. These sanctions were behind the closure of Rafidain's London 
    Branch in 1990. During the second Gulf War the bank was again badly hit. It is estimated that around a third of 
    Rafidain's branches were destroyed during the second Gulf War and that the bank lost around $300m USD through 
    looting. Today Rafidain Bank has around 45% of banking assets in Iraq.
    In 2007 Bayan Jabor, the Iraqi Minister of Finance signed a contract with British companies B-Plan Information 
    Systems and Misys to rebuild the bank, in a turnkey contract to supply a core banking system, hardware, 
    communications systems and training to Rafidain Staff, across all branches inside and outside Iraq. This project will 
    cover basic retail banking and trade finance but advanced banking functions such as ATM networks, Card 
    Management and internet banking will be considered by the Ministry of Finance in later stages.
    This project will represent the first commercial bank in Iraq to work on a modern electronic banking system and 
    should be completed by the end of 2009.
    Address : Rafidain Bank Building, Al Rasheed Street, 1360, Baghdad, Iraq. 
    Website : www.rafidain-bank.gov.iq, Phone number : 96-41-8160068
2.     Agricultural Cooperative Bank - 
      The bank  was founded in the year 1935 the bank has called in a timely manner b (agro-industrial bank), which identified its objectives and functions of the financing of agricultural activities, industrial and financial investments that they were trying to cover the requirements of business and agricultural activities and apply to various industrial projects that promote the establishment of some small  merchants and craftsmen. In 1946, and in view of the growing needs of farmers, peasants and professionals of the commercial and industrial loans and the increase in the volume of bank funds and multiple objectives, the Government considers the establishment of the Bank acting as an independent industrial financing of industrial projects with regard to the requirements of the Agricultural Bank financing the agricultural sector.
        Not only the process of funding the peasants and farmers, but included all the parties to the relationship of agricultural peasants, farmers, farmers associations and agricultural companies and to all those who have a relationship with the reality of agricultural profit as a main objective goal in the activities of the Bank. In 1994, lending policy of the bank had been froze  under the guidance of the central grounds increase the incomes of farmers by the high price of crops policy strategy, the Bank has limited the work to provide development loans that were subject to central directives.
        In March 1996 the bank of the overall banking business, after the adoption of Resolution No. (9) For the year 1996, by which the specialized banks were allowed to exercise the overall banking business, in addition to its set of internal laws and legal system. In 2007 widened the area of activity in which the actors move the bank and that a variety of events through the provision of comprehensive banking services through its network of branches operating in the provinces not to mention the key role in supporting the agricultural sector through the provision of banking services and facilities, for all workers in the agricultural sector and the various agricultural purposes, through the Fund loans of farmers who were raised capital to 54 billion and reduce the interest rate to (3-5% ), as well as through facilities provided for agricultural loans has been reduced through the date the interest rate to 8%, from (14-16%).
       Address : Rashid Street, Sinak, Baghdad, Iraq.
       Website : www.agriculturalbank.gov.iq, Phone number : 96-41-8189081
3.      Trade Bank of Iraq- 
       ‘Our mission is to be a catalyst for economic regeneration in the country and a force for modernisation’
        The Trade Bank of Iraq's mission is threefold:
        - To be recognized as a leading Iraqi Financial Institution, operating at a global level to develop and support the       regeneration of Iraq's economy ;
       - To continue to support, in an effective and transparent manner, the development of the financial sector  throughout   Iraq ;
       - To facilitate the increase of trade and finance for the Iraqi private sector by raising international awareness of    Iraq’s potential.
      Our Vision
      Reinstate Iraq in the league of modern banking, play an instrumental role in the regeneration of the national 
      economy, and contribute to global trade.
      Our Mission
      To develop our services and service delivery channels in line with the latest in the world, equip our team to deliver 
      these services efficiently and professionally, and uphold a management culture of sound corporate governance 
      and organizational excellence. 
      Our Purpose
      The purpose of the Trade Bank of Iraq is to be a catalyst for the regeneration of the Iraqi economy and banking 
      sector and a force for modernisation.
      Address : Street No.1, Building No.20, Baghdad, Iraq.
      Website : www.tbiraq.com, Phone number : 96-41-5433561
4.       Iraqi Middle East Investment Bank - 
        Established the Iraqi Middle East Investment Bank as a shareholding company with a capital call of $ (400) million Iraqi dinars under the certificate of incorporation numbered m u / 5211, dated 07.07.1993 issued by the Department of registration of companies under the Companies Act No. 36 of 1983 rate. After obtaining the banking license issued by the Central Bank of Iraq under Book No. p. A. / 4/941/4 issued in September 28, 1993, in accordance with the provisions of its law No. (64) of 1976, as amended. The bank began its work and its main branch opened its doors to the public on 05/08/1994. Secondly: developments on the capital: Rolled annual increases on the bank's capital as a result of capitalization of annual earnings by issuing new shares to shareholders or through increases decided by underwriting them again until he reached the bank's capital during the year (2008). (42) billion dinars, and during the month of May 2009 was capitalized profits in 2008 it became the capital of the bank (55) billion dinars followed capitalization other through mid-2010 and that all profits realized in 2009 that increased the capital to become a 66 billion dinars, and the response the decision of the Iraqi Central Bank to increase the capital of private banks has got IPO shares of our bank in accordance with the provisions of Article 55 - First of the Companies Act and on the track has approved the Registration Department esteemed companies during the month of February 2011 to increase the bank's capital to become the (100) billion dinars. During 2012 got IPO shares of our bank and became the bank's capital (150) billion dinars, according to authenticate the registrar of companies for the month of September 2012.
        The main objectives of the bank : 
       1. The Bank aims to mobilize national savings and employment in the areas of investment various industrial, agricultural, housing, tourism, service and development projects in the other, and the practice of Chirfah usual for its own account or for the account of others and provide various banking services in the light of the laws and regulations prevailing and create broader areas of cooperation with government and private banks within the framework of economic and financial policy of the State and contribute to the support of the development process to build a free and stable economy and advanced to Qatar.
        2. Strengthen confidence in the banking system and create awareness in the business community and the financial importance of the banking business and to promote public understanding of the banking system.
        3. Reduction of financial crimes including fraud, money laundering and combating the financing of terrorism and inform the Central Bank of any treated suspiciously 
        4. Protect the funds of depositors and shareholders and build good relations with them and with customers generally. 
       Address : Building 65,  Baghdad, Iraq.
      Website : www.imeib.com, Phone number : 96-41-7192335
5.         Investment Bank of Iraq - 
         Founding of the bank  
        The bank was established and its name was entered into the companies register under No. M/SH 5236 dated 13/7/1993 by the department of companies register in the ministry of trade with capital of 100 million Dinars according to the rules of companies law No. 36 dated 1983 ( amended) . Following that the Central Bank of Iraq issued its license to the bank to work as a license banking corporation according to the bank license No. S.A /10/942/5 dated 28/9/1993 in response to the rules of Central Bank of Iraq law No. (64) for the year 1976 (amended) . The bank began its banking work on 29/9/1993 through its Main Branch and we have 20 Branches in Baghdad and other Governorates as well as a specific office such as: selling and buying stocks and shares office and selling and buying foreign currencies office. Because of the recognized march of the bank, its capital increased till it becomes 155.000.000.000 Billion Dinars.
        Targets of the bank  
        The participation in supporting the national economy through mobilizing the national savings and investing them in direct and indirect way in projects that bring benefit back to Iraq and the shareholders through offering recognized services by using the most modern means of banking business and to cover large part of the dealers and businessmen existing in areas where branches of the bank spread all over the country.
        Bank activity  
        Investment Bank of Iraq has non stopped activity and unfinished targets and a firm wise policy. this policy considers the basic profits is the ability to develop the society , bolstering the national economy and being the only one to offer the best services to the customers bank which is the source of its strength. Out of these constant principles which governed the conduct of the bank during the past years, this bank entity could share in leading the bank march and to form a successful example based on the will , the intention , the work with spirit of one team, vested with patience , trust and honesty.
        Address : Baghdad – Iraq –Hay Al wihda Mahala : 902 Zokak : 2 Building: 27.
        Website : www.ibi-bankiraq.com, Phone number : 96-41-7192094
6.       United Bank for Investment- 
        Establishment of the bank 
        Founded United Bank for Investment (u. M. X) under the certificate of incorporation numbered m. St. / 5762 dated 20.08.1994 issued by the Registrar of Companies in the Ministry of Commerce in accordance with the provisions of Article (21) of the Companies Act No. 36 of 1983 adjusted capital of  ) 1000 ( million dinars, and took a break to exercise banking accordance with the provisions of paragraph (1) of Article forty-first session of the Iraqi Central Bank Law No. 64 of 1976 as amended and began its activity in banking operations and investment in early 1995 .
        Capital was increased by 300% based on the decision of the General Authority for company United Bank taken when added held on Monday 4/5/2009 in accordance with the provisions of Article (55 / I) of the Companies Act No. 21 of 1997 in force to become the capital of the company (100) billion dinars (one hundred billion dinars), equivalent to 85 million U.S. dollars. note that it was increasing the capital of the bank during the year 2010 to become the (150) billion dinars (one hundred and fifty billion Iraqi dinars), equivalent to (127.5) million U.S. dollars. were then increase the bank's capital through the first half of 2011 to become the (200) billion dinars (two hundred billion Iraqi dinars) and then was increased t as money during the year (2012) to (250) billion dinars (two hundred and fifty billion Iraqi dinars) with the consent of the General Authority for the company United Bank .
        The objectives of the bank
        Aimed at the United Bank for investment to contribute to the economic development and revitalization of its activities to commit acts of banks overall, which was approved by the General Assembly in the framework of the general policy of the state through the practice of acts of commercial banking and specialist in addition to the acts of investment banking and financing operations economically feasible medium-and long-term projects, private and mixed agricultural and industrial , trade and tourism, construction and services under the supervision and control of the Central Bank of Iraq under the provisions of its law No. (94 (   for the year 2004 and the regulations issued thereunder, as well as the provisions of the Companies Law No. (21) for the year 1997 in force.
        Address : Al-Wathiq square, Building-69, Baghdad, Iraq.
        Website : www.unitedbank-iq.net, Phone number : 96-41-7171391
7.       Dar Es Salam Investment Bank- 
        Dar Es Salaam Investment bank was established in 1998 and beginning operating in April 1999, with current capital IQD 50 billions. DES is one of the leading private banks supported by a partnership with HSBC which started in October 2005. Since its launch, Dar Es Salaam has placed service, integrity, and convenience at the forefront of its operations. Through its inventive approach to banking and quality range of banking products and services, Dar Es Salaam aims to establish itself as an icon of Iraq 's strength with a brand name and identity that is tantamount to integrity, progress and quality innovation.
        Dar Es Salaam aims to be the most respected financial services company through its branches which located 7 in Baghdad and 7 in other governorates.
        This will be achieved through :
        - Supporting our Customers in meeting their needs
        - Developing our staff & providing them with opportunities to grow
        - Caring for the communities and environment
        - Complying with the requirements of our regulators and procedures
        - Rewarding our shareholders
        Address : Al Sadoun Park, Section 103, Street 41, Building 3, PO Box 3067, Elawiya, Baghdad, Iraq.
        Website : www.desiraq.com, Phone number : 96-41-7196488
8.       Babylon Bank - 
        In the beginning of 1998, Mr. Abdul Razak Mansour demand from the Baghdad Chamber of Commerce reserve the trade name for a private shareholding company on behalf of the Bank of Babylon, and completed the establishment procedures and the payment of capital and then invite the General Assembly and the election of the Board of Directors and the completion of the structure of the bank formally At the beginning of 1999 and was chaired by Mr. Abdul Razak Mansour executive branch of the bank as an Executive Director and a member of the Board of Directors and the management of the bank since the first day until he was elected president of the Board of Directors and Mr. Tariq Abdul Baqi director commissioner for the Council since 2006 until 2010 where he was renewed confidence and unanimously Council administration headed by Mr. Abdul Razzaq al-Mansour until 2014, God willing, and the continuation of the managing director, Mr. Tariq Abdul Baqi his job.
        The end of 2012 Mr. Abdul Razak sold Mansour shares and shares his family and associates to the new shareholders, headed by Mr. Mohammed Qasim Ali Nadosa, who with his family and became associated with him the king of more than 60% of the bank's capital. 
        Address : Alley-91, Building-22, Baghdad, Iraq.
        Website : www.babylonbank-iq.com, Phone number : 96-41-7185150      
9.       Basrah International Bank for Investment - 
        Basrah International Bank for Investment (BIBI) was established under the 9321 certificate in 23/09/2002 issued by the Department of Companies Registration and obtained a license to practice banking upon the Central Bank Letter No. 9/3/240, Dated: 09/03/2001. The current capital is (152000000000) Hundred and fifty billion Iraqi Dinars. 
        Basrah International Bank for Investment (BIBI) is a private joint stock company. Its headquarter is in Iraq / Baghdad, then expanded to open a branch in Erbil in 2008 to offer its finest banking & financial service to individuals, companies, and corporations including consulting, wealth management, loans, special customer services. Corporations banking service include local and foreign services, and structured and commercial finance.
        The special banking services presented in Basrah International Bank for Investment (BIBI) are investment services, external services, international services through its relationships with international banks, and also include broker services like security & stock trading. The BIBI is seeking to open other branches in Sulaimania, Dahouk, Karbala, Najaf, and other places in Baghdad to be always ready to present its services to clients wherever they are. The bank is also seeking to trade via internet & phone, and provide Credit Cards to its customers to be in line with global developments in banking services.
        Address:  Al Tahariyat Street, Al Olwiya Area, District  3031, Baghdad, Iraq.
        Website : www.basrahbank.com, Phone number : 96-41-7199063
10.    National Bank of Iraq- 
        The National Bank of Iraq (NBI) was established in 1995 as a publically traded private sector company to deliver a comprehensive set of banking solutions for businesses and individuals in Iraq. The bank’s growth and success has led to a gradual increase in its paid-up capital reaching IQD 100 billion (USD 86 million) by June 2011. Capital Bank, currently the only Jordanian bank with a presence in the Iraqi market, is a major shareholder in NBI with a 72.3% share. Through Capital Bank’s network of correspondent banks, NBI is able to provide superior services to not only Iraqi but also regional and global businesses and individuals. Capital Bank stands as NBI’s gateway to the world economies by facilitating internal and external transfers, providing credit ceilings, and supporting trade finance services. Moreover, through Capital Investments, Capital Bank’s investment arm, NBI can trade on behalf of its clients in the Jordanian and global markets. NBI also offers trading services on behalf of its clients in the Baghdad Stock Exchange through its wholly-owned subsidiary company Wahat Al-Nakheel.
        The Bank operates a modern core banking system to support its growth and customer services. Capital Bank and its subsidiaries audit all accounts through Ernst and Young in Jordan and report financials according to International Accounting Standards. NBI currently has a total of seven branches. This includes 7 branches in Baghdad and one in Basra, Erbil, Karbala, and Mosul. Additionally, NBI will be opening a branch in Sulaymaniyah by April 2012.
        Address : Sadoun Street, Baghdad, Iraq.
        Website : www.nbirq.com, Phone number : 96-41- 7177735           
11.    Credit Bank of Iraq- 
        Credit Bank of Iraq was originally set up in 1998 by traditional Iraqi merchant families with a paid up capital of IQD 200 million before the bank was listed on Iraq stock exchange in 2004. NBK was one of the original three banks to be granted a license to operate in Iraq and later in 2005 the first bank to successfully complete the purchase of an Iraqi bank. In 2005, when NBK acquired its 75% stake in Credit Bank of Iraq, it also increased the bank’s capital. NBK helped develop Credit Bank of Iraq and advance it to be one of the top private banks in Iraq.
       Today, Credit Bank of Iraq offers a range of services for retail customers, as well as transfer and trade finance services for local companies and contractors. Project finance services can be offered for international companies operating in Iraq, after getting an approval from the Central Bank of Iraq. Credit Bank of Iraq’s branch network includes ten branches in Baghdad, (including business center in Zain-Iraq premises in Mansour quarter) and one in each of the following governorates: Basra, Karbala, Hilla & Erbil. As communications and security continue to improve, Credit Bank of Iraq is working to widen its product offering and increase its reach. 
       Address : Alawiya Building 178, Sadoun Street 9, Baghdad, Iraq.
       Website : www.creditbankofiraq.com, Phone number : 96-41-718 2198

Ireland
1.       Central Bank of Ireland - 
        Role of the Central Bank of Ireland 
        The Central Bank Reform Act, 2010, created a new single unitary body – the Central Bank of Ireland -  responsible for both central banking and financial regulation. The new structure replaced the previous related entities, the Central Bank and the Financial Services Authority of Ireland and the Financial Regulator.  The Act commenced on 1 October 2010. The high level goals of the Central Bank of Ireland are summarised as follows :
        Eurosystem effectiveness and price stability
        The Central Bank is responsible for maintaining price stability through monetary policy formulation at Eurosystem level. We will continue to support the Governor in performing his role in relation to ECB monetary policy formulation and crisis resolution, and also continue to contribute to policy development and analysis across our wide range of Eurosystem commitments. The Bank will continue to implement both standard and non-standard monetary policies and operations on a decentralised basis.
        Stability of the financial system
        Financial stability in Ireland and across the euro area remains a key priority for the Bank. In addition to the provision of liquidity, the analysis of the financial environment with particular focus on risks and vulnerabilities will continue to be used to inform policy makers. Specific projects will be undertaken to build up data analytics and loan-loss forecasting capability.
        Proper and effective regulation of financial institutions and markets
        Regulation of institutions and markets will be undertaken through assertive risk-based supervision which is underpinned by credible enforcement deterrents. Specific initiatives will be implemented in the different sectors regulated by the Bank.
        Resolution of financial difficulties in credit institutions
        In the effort to bring about sustained economic recovery in Ireland, embedding recovery and resolution plans in banks, credit unions and other financial institutions is vital. Stress-testing of institutions will also continue to ensure that they have adequate capital to fulfil their capital adequacy requirements.
        Protection of consumers of financial services
        Consumer protection strategic priorities have been identified which aim to strengthen and maintain protection for consumers, so that financial services work in the best interests of consumers both at the present time and in the future.
        Independent economic advice and high quality financial statistics
        Increasing the quality and relevance of economic analysis, research and financial statistics will assist the provision of assessments and advice on domestic economic related issues for policy-makers, the media, the public and the markets. The Bank will also continue to contribute advice and analysis at EU, Eurosystem and EC-IMF-ECB levels.  
        Efficient and effective payment and settlement systems and currency services
        The Bank’s role in the operations and oversight of payment and securities settlement systems is aimed principally at ensuring that they are safe, resilient, efficient and effective and that access to such systems is not restricted. Currency services will continue to be provided to the public while at the same time the Bank will lead the development of the National Payments Plan.  
        Operational efficiency and cost effectiveness
        Efficiency and cost effectiveness will underpin all our operations. The Bank will strive to have the people, systems and structures in place to maximise our effectiveness. Cost control within our own operations and ensuring the optimum return on the Bank’s investment portfolio will be key considerations in our financial and planning processes. Our operations will also be conducted within well-defined risk management and control frameworks.
        Address : PO Box 559, Dame Street, Dublin 2, Ireland.
        Website : www.centralbank.ie, Phone Number : 353-1-434-4000
2.       Anglo Irish Bank Corporation - 
       Anglo Irish Bank was an Irish bank headquartered in Dublin from 1964 to 2011. It went into wind-down mode after nationalisation in 2009. In July 2011, Anglo Irish merged with the Irish Nationwide Building Society, forming a new company named the Irish Bank Resolution Corporation. Michael Noonan, the Minister for Finance stated that the name change was important in order to remove "the negative international references associated with the appalling failings of both institutions and their previous managements". Anglo Irish mainly dealt in business and commercial banking, and had only a limited retail presence in the major Irish cities. It also had wealth management and treasury divisions. Anglo Irish had operations in Austria, Switzerland, the Isle of Man, the United Kingdom, and the United States.
        The bank's heavy exposure to property lending, with most of its loan book being to builders and property developers, meant that it was badly affected by the downturn in the Irish property market in 2008. In December 2008, the Irish government announced plans to inject €1.5 billion of capital for a 75% stake in the bank, effectively nationalising it. The Dublin and London Stock Exchanges immediately suspended trading in Anglo Irish's shares, with the final closing share price of €0.22 representing a fall of over 98% from its peak. On 16 January 2009, the Taoiseach Brian Cowen stated that is was "business as usual" at Anglo Irish Bank, and people should be reassured that the bank is solvent. Between June and September 2009, the Minister for Finance provided €4 billion in capital. In a statement on 30 March 2010, a day before Anglo Irish Bank reported its financial results, the Minister Of Finance, Brian Lenihan, announced an injection of €8.3 billion into the bank, noting that a further €10 billion may be required at a later stage to cover future losses and ensure an adequate capital base.
        Since the nationalization of Anglo Irish Bank a number of controversies have arisen over certain business practices and loans, including loans to directors and loans to people associated with Brendan Murtagh, EMPG, and the QUINN group. On 31 March 2010, Anglo Irish Bank reported results for the 15 months to December 2009. Loss for the period were €12.7 billion, with an operating profit before impairment of €2.4 billion and an impairment charges of €15.1 billion driving the overall result. It is the largest loss in Irish corporate history. Total assets declined to €85.2 billion at the end of 2009 from €101.3 billion in September 2008. The European Commission allowed the Irish government on 10 August 2010 to temporarily grant €10 billion to Anglo Irish Bank - this included an additional €1.4 billion sought by Ireland to allow the nationalised bank meet its regulatory capital requirements in light of increased costs associated with transferring loans to the National Asset Management Agency.
        Address : 1, Stokes Place, St Stephen’s Green, Dublin 2, Ireland. 
        Website : www.angloirishbank.ie, Phone Number : 353-1-616-2000
3.       Allied Irish Banks - 
        Allied Irish Banks (AIB) is one of the so-called "Big Four" commercial banks in Ireland. AIB offers a full range of personal and corporate banking services. AIB Capital Markets is the division of the company that offers international banking and treasury operations. The bank also offers a range of general insurance products such as home, travel, and health insurance. It offers life assurance and pensions through its wholly owned subsidiary, Ark Life Assurance.
        In December 2010 the Irish government took a majority stake in the bank. AIB shares are listed as an American Depositary Receipt (ADR) on the New York Stock Exchange, under the symbol AIB. AIB's shares were formerly traded on the Irish Stock Exchange and the London Stock Exchange, but its shares were delisted from these exchanges following its effective nationalisation. The remaining publicly traded shares of AIB are now listed on the Enterprise Securities Market of the Irish Stock Exchange.
        AIB also owns Allied Irish Bank (GB) in the United Kingdom and First Trust Bank in Northern Ireland. In November 2010, it sold its 22.5% stake in M&T Bank in the United States. At the beginning of 2008 AIB entered the Latvian, Estonian and Lithuanian markets by acquiring AmCredit mortgage finance business from the Baltic – American Enterprise Fund. In 2009, Allied Irish Banks along with its competitor Bank of Ireland accepted a 3.5 billion euro bailout from the government of the Republic of Ireland as a part of the Bank Recapitalisation scheme. By March 2011 the total sum of required bailout was expected to climb up to 13.3 billion euro.
       Address : Bankcentre, Ballsbridge, Dublin 4, Ireland.
       Website : www.aib.ie, Phone Number : 353-1-660-0311
4.       KBC Bank Ireland - 
        KBC Bank Ireland plc ('KBC') is a bank, which has been operating in Ireland for 40 years and has been a member of the KBC group since 1978. Our parent, KBC Bank NV is one of Europe’s largest banks. KBC Bank NV is a member of the KBC group. Here in Ireland, KBC provides business and personal banking services to customers throughout Ireland. Our 700 employees in Dublin, Cork, Limerick, Belfast and Galway are dedicated to working in partnership with our customers to ensure their financial needs are met.
       We are committed to delivering responsible but innovative banking that is grounded in customer and shareholder value. A strong knowledge of the needs of Irish customers backed by the strength of our parent means our customers can be secure in the knowledge that they are dealing with a bank that understands their needs and is supported by a financially sound parent. We are committed to integrity and excellence using our strength and expertise to bring value to our customers, our shareholders, our people and our community. 
        Address : Sandwith Street, Dublin 2, Ireland.
       Website : www.kbc.ie, Phone Number : 353-1-664-6000
5.       National Irish Bank - 
        National Irish Bank was originally the Republic of Ireland branch network of Northern Bank, one of the oldest banks in Ireland (dating back to 1824). National Irish Bank was created as a separate entity in 1986, at first under the name Northern Bank (Ireland) Limited, when its owners, UK-based Midland Bank, separated Northern Bank's operations in the Republic of Ireland from its Northern Ireland business.
        In 1987, both banks were acquired by National Australia Bank (along with Midland Bank's Scottish subsidiary, Clydesdale Bank). In 1988 the Republic of Ireland operation was renamed National Irish Bank Limited whilst Northern Bank Limited remained the name of the Northern Ireland operation. Nonetheless, a single management team continued to run both banks, which shared many services and back office functions. During this era, the logo of the National Irish Bank was that of the National Australia Bank (at the time), except that the red star had been recoloured green, and "Irish Bank" was added alongside the word "National". The original Northern Bank (Ireland) logo had been the Midland Bank griffin.
        Danske Bank, formerly known as the National Irish Bank, is a bank operating in the Republic of Ireland. The bank is a subsidiary of the Danske Bank Group which is headquartered in Copenhagen.
        Danske Bank is organised in three business units – Personal Banking, Business Banking and Corporates & Institutions – that span all of the Group's geographical markets. Since November 2012, all of the Group's banking activities have been gathered under the Danske Bank brand name. The group's websites were brought fully into alignment with the new organisation at the same time.
        Address : 1 Airton, Dublin 24, Ireland.
        Website : www.nationalirishbank.ie, Phone Number : 353-1-484-0000
6.       ACC Bank - 
        ACC Bank understands that banking is about people. We build strong personal relationships with our customers, which enable you to get what you need, when you need it. We do this by getting to know you and understanding your business banking needs – providing an efficient and effective banking solution to match these needs.
        We are a specialist bank for small to medium sized businesses with the backing of one of the safest banks in the world, Rabobank. Our network of 9 Business Centres and dedicated, professional Relationship Managers & Agri teams strive to strengthen our offering through individual support and insightful advice.
        Address : Charlemont Place, Dublin 2, Ireland.
        Website : www.accbank.ie, Phone Number : 353-1-418-4000
7.       Bank of Ireland - 
        The Bank of Ireland (Irish: Banc na hÉireann) (ISEQ: BKIR, LSE: BKIR, NYSE: IRE) is a commercial bank operation in Ireland, which is one of the traditional 'Big Four' Irish banks. Historically the premier banking organisation in Ireland, the Bank occupies a unique position in Irish banking history. At the core of the modern-day group is the old Bank of Ireland, the ancient institution established by Royal Charter in 1783.
        Role as government banker
        The Bank of Ireland is not, and was never, the Irish central bank. However, as well as being a commercial bank–a deposit-taker and a credit institution– it performed many central bank functions, much like the earlier-established Bank of Scotland and Bank of England. The Bank of Ireland operated the Exchequer Account and during the nineteenth century acted as something of a banker of last resort. Even the titles of the chairman of the board of directors (the Governor) and the title of the board itself (the Court of Directors) suggest a central bank status. From the foundation of the Irish Free State in 1922 until 31 December 1971, the Bank of Ireland was the banker of the Irish Government.
        Banking services
        Republic of Ireland
        Former Headquarters on Lower Baggot Street until 2010
        The Group provides a broad range of financial services in Ireland to the personal, commercial, industrial and agricultural sectors. These include checking and deposit services, overdrafts, term loans, mortgages, international asset financing, leasing, instalment credit, debt financing, foreign exchange facilities, interest and exchange rate hedging instruments, executor and trustee services.[26]
        International Operations
        The bank is headquartered in Dublin, and has operations throughout the Republic of Ireland. It also operates in Northern Ireland, where it prints its own banknotes in Pounds Sterling (see section on banknotes below). In Great Britain, the bank expanded largely through the takeover of the Bristol and West Building Society in 1996. Bank of Ireland also provides financial services for the British Post Office throughout the UK. Operations in the rest of the world are primarily undertaken by Bank of Ireland Corporate Banking who provide services in France, Germany, Australia and the United States.
       Address : PO Box 27, 1 Temple Quay, Bristol, Ireland.
       Website : www.bankofireland.com, Phone Number : 353-1-661-5933

Italy
1.       Bank of Italy - 
        Bank of Italy or Banca d'Italia (Italian for Bank of Italy) is the central bank of Italy and part of the European System of Central Banks. It is located in Palazzo Koch, Rome, via Nazionale. The bank's current governor is Ignazio Visco, who took the office on 1 November 2011.
        Functions
       After the charge of monetary and exchange rate policies was shifted in 1998 to the European Central Bank, within the European institutional framework, the bank implements the decisions, issues euro banknotes and withdraws and destroys worn pieces. The main function has thus become banking and financial supervision. The objective is to ensure the stability and efficiency of the system and compliance to rules and regulations; the bank pursues it through secondary legislation, controls and cooperation with governmental authorities. Following reform in 2005, which was prompted by takeover scandals, the bank has lost exclusive antitrust authority in the credit sector, which is now shared with Italy's Antitrust Authority. Other functions include, market supervision, oversight of the payment system and provision of settlement services, State treasury service, Central Credit Register, economic analysis and institutional consultancy. Bank of Italy gold reserves are 2,451.8 tonnes (2006).
        History
        The institution, also called Bank Italia, was established in 1893 from the combination of three major banks in Italy after the Banca Romana scandal.The new central bank first issued bank-notes during 1926.[3] Until 1928, it was directed by a general manager, after this time instead by a governor elected by an internal commission of managers, with a decree from the President of the Italian Republic, for a term of seven years. 
        Address : Via Nazionale, 91, 00184 Rome, Italy.
        Website : www.bancaditalia.it, Phone Number : 39-06-47921
2.       Uni Credit - 
        UniCredit bank is one of the largest banking and financial services organisations in Europe with a network of 9,600 branches and strong local roots in 22 countries. UniCredit's core markets are Italy, Austria and Southern Germany, and it also has substantial operations in Central & Eastern Europe (CEE). Its strategic position in Western and Eastern Europe gives the group one of the region's highest market shares. Total assets: €889.6 billion (as of June 30, 2013). Net profit: €1,323 million (2010), €865 million (2012). Net loss: €9.2 billion (2011).
        In the CEE region, UniCredit operates the largest international banking network with over 4,000 branches and outlets. The Group operates in the following CEE countries: Azerbaijan, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Kazakhstan, Kyrgyzstan, Poland, Romania, Russia, Serbia, Slovakia, Slovenia, Turkey and Ukraine. 
        Address : Piazza Cordusio 20123 Milano, Italy.
        Website : www.unicreditgroup.eu,  Phone Number : 39-02-88621
3.       Banca Monte dei Paschi di Siena - 
        Monte dei Paschi di Siena is one of the main banks in Italy. It is the flagship of the MPS Group, which is a leader on the domestic market in terms of market share. Monte dei Paschi, familiarly called “il Monte,” was founded in 1472 under the auspices of the Republic of Siena.
        It became the ideal heir of Siena’s prestigious medieval mercantile and banking traditions, developing an efficacious system of credit to the advantage of the local economy. The public character of the Monte was confirmed with the reform of 1624, which equipped the bank with progressive banking structures. On this occasion, the Medici Grand Duke granted depositors state guarantees on their money by entailing the income from the state-held pasture lands in the Maremma (the “Paschi” which gave the bank its name). It is especially meaningful that the Grand Duke asked in return to be indemnified by the entire citizenry of Siena for any losses he might incur. On this foundation, Monte dei Paschi was able to consolidate and increase its banking activity in the seventeenth and eighteenth centuries. Thus the bases were created for its considerable expansion right after national unification, and even more significantly in the twentieth century. In 1995, by decree of the Minister of the Treasury, the banking firm was transformed into a corporation called Banca Monte dei Paschi di Siena. The Bank operates, also through its subsidiaries, in the various sectors of banking and finance, from traditional banking to special credit to asset management, insurance, and investment banking, with more than 1,900 branches all over Italy and a presence in the world’s major economic and financial centers.   
        The Monte has a strong retail vocation (families and small and medium businesses) that helps to make it the “bank of reference” in all the areas in which it is active. Since June 1999, Banca Monte dei Paschi di Siena shares are traded on the Mercato Telematico Azionario (screen-based trading market) of the Italian Stock Exchange, and since September 1999 it is listed on the market’s most representative index, FTSE MIB.
        Address : Piazza Salimbeni, 3, 53100 Siena, Italy.
        Website : www.mps.it, Phone Number : 39-05-77294
4.       Banca Popolare di Milano - 
        The second cooperative bank in Italy (the first one was the Banca Popolare di Lodi), it was founded in 1865 in Milan by Luigi Luzzatti, who later served as the nation's Prime Minister. Luzzatti drew his inspiration from the 'credit associations' developed by Hermann Schulze-Delitzsch in Germany a decade earlier. BPM has grown considerably since the 1950s by buying interests in other banks such as Banca Popolare di Roma, la Banca Briantea, Banca Agricola Milanese, Banca Popolare Cooperativa Vogherese, Banca Popolare di Bologna e Ferrara, Banca Popolare di Apricena, Ina Banca, Cassa di Risparmio di Alessandria and Banca di Legnano.
        BPM now employs about 9,000 people in 792 branches and it has about 1,4 million customers. The bank works basically in the northern and central regions of Italy, with a strong presence in Lombardia and Piemonte, but also in Lazio and Puglia. In 1999 Banca Popolare di Milano opened the online banking service called WeBank, become a bank apart in 2009.
        Address : Piazza F. Meda, 4. MILANO, 20121, Italy.
        Website : www.bpm.it, Phone Number : 39-02-77001
5.       Intesa Sanpaolo - 
        Intesa Sanpaolo adheres to the purposes and provisions of the Code of Corporate Governance for Listed Companies of the Italian Stock Exchange and is equipped with a system of governance in line with the principles contained in the same (for which a report is made ​​on time, the adjustments deemed appropriate) and with the recommendations made ​​by Consob and, in general, with the best practices found in both national and international, whose goal is to ensure adequate distribution of responsibilities and powers through a proper balance between the functions of management and control.
        A large banking group Intesa Sanpaolo as having a significant impact on the social and environmental context in which it operates. E 'therefore its responsibility to act not only in terms of profit but with the goal of creating value for all its stakeholders - customers, employees, shareholders, suppliers, the environment and the community in general.
        Intesa Sanpaolo confirms the importance of corporate social responsibility as an integral part of its strategy and in the belief that socially and environmentally sustainable choices are also economically successful, believes that it is possible to create long-term value through management that is based on three solid lines - economic, financial, social and environmental - and supported by transparent corporate governance.
        Address : Piazza San Carlo, 15610121 Torino, Italy.
        Website : www.intesasanpaolo.com, Phone Number : 39-01-15551
6.       Medio Banca - 
        Mission
        Mediobanca is the leading investment bank in Italy. For over 60 years we have helped our clients grow, offering high-quality advisory services and providing finance in all its various forms, from more traditional bank credit to the most sophisticated solutions available on capital markets. Discretion and prompt execution are the hallmarks of our service, delivered by a streamlined unit of skilled bankers noted for their keen team spirit and strong sense of corporate identity, whose actions are always based on the highest ethical values and principles.
        Our History
        Mediobanca was set up straight after World War II on the initiative first of Banca Commerciale Italiana (now Intesa San Paolo S.p.A.), then Credito Italiano (now UniCredit) and later Banco di Roma (subsequently Capitalia, which in 2007 was merged into UniCredit), in order to "meet the medium-term financing requirements of Italian manufacturing enterprises" and to forge a "direct link between the investment community and the need for finance to rebuild Italian industry".(Banca Commerciale Italiana annual report, 1945). At first Mediobanca confined itself to granting medium-term credit, in accordance with the regulations in force at the time, but in October 1973 a formal decision was made to extend the Bank’s operations to provide finance on terms of up to twenty years. From early on in its history Mediobanca has been active in areas related to its own sector of operations, through its Group companies. These include Spafid (acquired in 1948), Compass (set up in 1951), Reconta (set up in 1961 and sold in 1981), and S.E.L.M.A. (now SelmaBipiemme Leasing, set up in 1970).
       As part of a programme to facilitate the international development of Italian mercantile activities, Tradevco was incorporated to operate as a bank in Monrovia (Liberia) in 1954 (the company only ceased operations in 2002-03 as a result of the local wars), and Intersomer was set up to operate as a commercial company the following year (this company’s activities were strongly reduced in the 1990s and subsequently discontinued).
        In March 1956 Mediobanca shares were admitted to trading on the stock market. In February 1957, a total of 100,000 shares were placed on the market at a price of Lit. 12,800. In the same years agreements were entered into with leading international banking groups (notably Lazard of Paris, London and New York; Lehman Brothers of New York; Berliner Handels Gesellschaft of Frankfurt; and Sofina), which in 1958, along with the founder banks, entered into the first Mediobanca shareholders’ agreement, among other things guaranteeing the international dimension of the Bank’s operations.
        Address : Piazzetta E. Cuccia, 1, 20121 Milan, Italy.
        Website : www.mediobanca.it, Phone Number : 39-02-88291
7.       BKS Bank Italy - 
        Since its establishment BKS Bank has always been a reliable partner for its customers, a profitable investment for its shareholders and an employer secure for their employees. Reliability, trust, growth according to their own forces, operations that involve plausible and understandable, are the characteristics of the brand BKS Bank. We also have clear economic objectives: sustainable growth, durable constituting a basis for long-term success of our institution, comes before any risky short-term profit maximization. The main characteristics of our strategy are the following :
        - A close relationship with our markets in order to meet the needs of our customers in the best possible way.
        - A gradual growth of the company and based on our own strength.
        - The number of employees as a major factor in our success. With our employees aspire to a relationship of   
          mutual respect and trust, properly honoring their performance.
       At the same time we take our responsibility in society, on the one hand by acting ourselves in the most responsible way possible, on the other wanting to stimulate various initiatives with other companies to address sustainability and corporate social responsibility.
       Address : P.tta Gasparotto 8, 35131 Padova, Italy.
       Website : www.bksbank.it, Phone Number : 39-04-92104
8.       Banca Aletti - 
        In Milan of the early '800, full of innovative ferment, ruled by Francis I of Austria, has its roots Banca Aletti. 
        His story has its roots as far back as 1826. The original activity is to changers in the market of Milan. In a short time the operation moves to trading in securities at the Stock Exchange Milan Stock Exchange. From this moment is a continuous crescendo.  Financial activity takes many forms, from the bank in the strict sense to that of a stockbroker, in compliance with the various legislative constraints that have governed the markets in different eras. Remains constant over time the hallmark of exclusivity and selection of qualified customers. 
        since 2000 Banca Aletti joined Gruppo Banco Popolare di Verona e Novara, becoming the focus of development of all financial assets. Begins a process of strong dynamism under the sign of the territorial expansion of the structural strengthening and organic enrichment of services to customers, which allows the Bank to acquire a leading position in the markets of Italian Private Banking and Investment Banking . Since July 2007, comes the new Banco Popolare Group, the result of the merger between Banco Popolare di Verona e Novara and Banca Popolare Italian. Banca Aletti creates a new expansion of the branch network and consolidates its strategic position in the market. 
        Today is a leading Italian company dedicated to private banking and investment banking. Among the very few private banks with ratings.
        Address : Via San Carlo, 26, 80133 Napoli, Italy.
        Website : www.alettibank.it, Phone Number: 39-02-433581