Bank Information of the World - S

Saudi Arabia
1.       Arab National Bank - 
       Arab National Bank was established in 1979, by Royal Decree M/38, taking over the existing operations of Arab Bank in the Kingdom of Saudi Arabia. ANB, a Saudi Listed Joint Stock Company, now ranks amongst the 10-15 largest banks in the Middle East. Headquartered in the capital city of Riyadh, the Bank is supported by Regional Offices in Jeddah and Khobar, and has a branch in London. Over the past 33 years, ANB has been committed to live up to its brand promise of being “A Friend Indeed”. 

       ANB GROUP
       ANB Group offers comprehensive commercial and investment banking services, in addition to specialized services in the fields of heavy equipment leasing and home finance. ANB is a universal commercial bank catering for the diverse needs of its Corporate and Retail clients. To service a large and varied customer base which exceeds 2 million, the Bank has an extensive distribution network, with 294 premises spanning over the Kingdom. These include upwards of 194 branches (of which 45 are Ladies’ Branches/ Sections) 93 remittance centers (TeleMoney) and 7 sales centers.  Complementing the traditional distribution points, ANB has above 1000 ATMs, around 10,000 point-of-sale terminals, an award-winning customer contact center and a technologically advanced, yet customer-friendly, online banking service. ANB Invest, a wholly-owned subsidiary of ANB, is the investment banking arm of the Group. It provides advisory services in addition to brokerage and asset management. Al-Arabi Heavy Equipment Leasing (AHEL), a 62.5%-owned subsidiary, specializes in lease-financing for heavy equipment. Saudi Home Loans (SHL), a 40%-owned affiliate in partnership with the International Finance Corporation (IFC) and Dar Al-Arkan, caters for the growing needs of home finance. An insurance company is currently under formation, with ANB, MetLife Alico and Chartis (AIG) as joint-venture partners.
        VISION
        A Prominent,  Quality  Arab  Bank
        BRAND PROMISE
        Our promise is to earn your friendship, by being transparent and committed, by making sure you are always satisfied. This is why we are a friend indeed.
        Address : O Box 56921 Riyadh 11564, Saudi Arabia.
        Website : www.anb.com.sa, Phone number : 966-1-402-9000
2.       Al Rajhi Bank - 
       The Al Rajhi Bank (Arabic: مصرف الراجحي‎) (previously known as Al Rajhi Banking and Investment Corporation) is a Saudi Arabian bank and the world's largest Islamic bank by capital based on 2006 data. The bank is a major investor in Saudi Arabia's business and is one of the largest joint stock companies in the Kingdom, with a paid up capital of SR 6.75 billion. Its head office is located in Riyadh and there are six regional offices. Al Rajhi Bank also has 24 branches in Malaysia.
        History
        Banking and trading activities began in 1957. In 1978 the individual establishments were merged into "Al Rajhi Trading and Exchange Corporation" and in 1987 it was converted into a joint stock company under the royal decree No. 59. The company was renamed to Al Rajhi Banking and Investment Corp under the ministerial decision No. 1398, and was re-branded, in February 2006, to Al Rajhi Bank, but is still registered as Al Rajhi Banking and Investment Corp.
        ATM Al Rajhi Bank
       Al Rajhi Bank's shareholding pattern show that the four sons of Abdul Aziz Al Rajhi (Saleh, Sulaiman, Abdullah and Mohammed) and their heirs remain the corporation's primary equity holders. The Al Rajhi family is considered, by most in Saudi Arabia, as the country's wealthiest non-royals, and among the world's leading philanthropists.
       Al Rajhi Bank is considered as one of the largest banking corporations in the kingdom with a capital base funded at 100% beginning at SR 750 million, which was then increased to SR1.5 billion, then to SR2.25 billion, then to SR4.5 billion (March 2005) then to SR6.75 billion (March 2006) and finally to SR13.50 billion (March 2007).
        In 2006 - nearly after 50 years of operation solely within Saudi Arabia - the bank launched in Malaysia, signifying its first foray into international banking. Following the Saudi business model which adheres closely to the deeply rooted Islamic banking principles, the Sharia-compliant banking group is planning to be instrumental in bridging the gap between modern financial demands and intrinsic Islamic values, for the numerous industry standards and development in Malaysia. Further regional expansion has seen the 2010 opening of a national office, men's branch and separate ladies' branch in Kuwait. Followed by the 2011 launch of a national office and branches in Jordan.
        Address : Olayya Street, Aqaria 3, Riyadh 11411, Saudi Arabia.
        Website : www.alrajhibank.com, Phone number : 966-1-211-6000
3.       Bank Al Jazira - 
       Bank AlJazira (BAJ) is a Joint Stock Company incorporated in the Kingdom of Saudi Arabia and formed pursuant to Royal Decree No. 46/M dated Jumad Al-Thani 12, 1395H (i.e. June 21, 1975). BAJ commenced its business on Shawwal 16, 1396H (i.e. October 9, 1976) with the takeover of The National Bank of Pakistan's (NBP) branches in the Kingdom of Saudi Arabia and operates under commercial registration No. 4030010523 dated Rajab 29, 1396H (i.e. July 27, 1976) issued in Jeddah. BAJ is recognized as one of the leading Shari'ah compliant fast growing financial institutions in Saudi Arabia, client-driven and service-oriented Saudi Financial Group which provides individuals, businesses and institutions with innovative Shari'ah compliant financial services through professional and dedicated staff. BAJ began a restructuring process in 1992 with subsequent increases in capital in 1992 and 1994. The increased capital has come entirely from the Saudi shareholders, which resulted in significantly diluting NBP's shareholding.
        A new management team was appointed in 1993 to continue the restructuring effort. BAJ successfully introduced state of the art technology, modern banking products and services and revamped its staffing portfolio. As a result, the bank became profitable in 1997. In 1998, BAJ's Board of Directors took a strategic decision to convert the Bank from conventional banking into Shari'ah-compliant banking. This is the greatest challenge that any traditional bank can take as it requires mass changes to its infrastructure, offerings, legal environment, staff potentials, corporate values, etc. To ensure compliance with Shari'ah principles, BAJ established a Shari'ah department within its organic structure and formed a Shari'ah Advisory Board (SAB) composed of a number of scholars specialized in Islamic Banking to screen, monitor and endorse Bank's operations and spread-wide the Shari'ah principles throughout the working environment. The SAB includes Sheikh Abdulla Bin Suleiman Al-Mane'e as the SAB Chairman, Dr. Mohammed Bin Said Al-Ghamdi as the SAB Rappoteur, with the memberships of Dr. Abdulla Bin Mohammed Al-Mutlaq, Dr. Hamza Bin Hussain Al-Feir, Dr. Mohammed Ali Al-Guari, and Dr. Abdulsatter Abu-Ghudah.
        BAJ with its consistent endeavors succeeded in turning all its branches in 2002 to operate as per Shari'ah rules and principles. BAJ started then to cultivate the results of its strategic conversion into Shari'ah-compliant banking and service excellence approach, and achieved progressive growth, remarkable market image and presence, which was mainly due to its continuing efforts to improve. In 2006, BAJ launched its program " Khair Aljazira Le Ahl Aljazira " with 100 million SR fund in support of BAJ's social responsibility towards the community. Since then, BAJ has been implementing a range of activities designed to support the community. BAJ has been providing financial assistance to various charitable societies, launching apprenticeship programs to train young Saudi men and women; thus providing them with working opportunities, and sponsoring programs to train the handicapped, blind and deaf. Through many programs, BAJ successfully promoted family welfare by sponsoring a huge number of productive family projects and cultural events. In 2007, BAJ witnessed its full conversion into a Shari'ah-compliant institution and simultaneously increased its paid up capital to become SR 3 Billion which came entirely from the Bank's profits.
        To take the Bank to the next level of development, BAJ's management has embarked on an ambitious transformation plan called AFAQ2012 by the end of 2008. The objective of this four-year strategic plan is to transform the bank into a “multi-specialist” Shari'ah compliant bank through a set of identified strategic initiatives and enablers, involving every single business and support line by the end of 2012. 2009 could best be described as a year for building a foundation for BAJ's future growth and diversification of its offerings, a period in which great progress was made in equipping the Bank and its employees with the capabilities to take full advantage of the opportunities that lie ahead. Notable among such remarkable achievements was the doubling of BAJ's retail network in 2009 from 24 branches to 48, resulting in attracting new customers and serving the existing ones better through its expansion to new areas throughout the Kingdom. Within its ATM network re-structuring effort, BAJ relocated some ATMs to other locations though which better service would be offered to its clients. Also, all BAJ's delivery channels were significantly enhanced including BAJ's online banking, telephone banking, and credit card offerings.
        In promoting its image as a multi-specialist Shari’ah-compliant Bank, BAJ has been able to effectively communicate its new market positioning and comprehensive range of products and services. Among these is BAJ's ‘Mortgage Factory’, so named because of the speed and efficiency with which applications are processed – giving BAJ a distinct market edge. To better serve corporate customers, BAJ has set up Corporate Regional Offices in Riyadh, Jeddah, and Dammam to provide a one-stop service with a dedicated team of experts and a full range of products. Cash Management and Trade Finance are new established areas within corporate business. Moreover, Aljazira Capital (AJC), the investment arm of BAJ, continued to strengthen its brokerage offerings through the introduction of other tradable securities, enhancing its award-winning TadawulCom platform to offer online trading across multiple regional and international markets. AJC also reinstated its sell-side research capacity by introducing a best-of-breed array of economic, technical, company, and sector reports. AJC has maintained its market leadership position in the Saudi share trading market over the last seven years.
        BAJ was the first banking institution in Saudi Arabia to introduce Takaful Ta'awuni (TT) in 2002 as a full-fledged Shari'ah-compliant alternative solution for the traditional life insurance. Since then, TT proved itself as a market leader and has been growing fast to satisfy clients' needs. TT underwent dynamic improvements in infrastructure, offerings, and resources. In 2009, TT was again awarded the “Life Insurer of the Year” award by the Middle East Insurance (Insurex) for the 3rd consecutive year, adding to the great number of awards the organization has been awarded from various international and local bodies. As the first bank in Saudi Arabia, BAJ started in 2009 the implementation process of the ISO certification program on its operations to ensure adoption of best practices on the services provided to its external and internal clients. Since then, a number of its operational areas have received certification and all efforts are on-going to ensure all the other operational areas will be ISO certified by the mid of 2010. BAJ, within this endeavor, is looking forward to enhancing the level of confidence and trust of its customers. 
        On the people front, BAJ invested heavily in its human capital and thus its organic resources' potentials have been growing to match with the dynamic development of the Bank's offerings, channels and infrastructure. Through a series of initiatives, BAJ is proud of having a world-class HR management characterized by a well-set performance development and review system, key performance indicators, motivation program, and structured/specialized training programs. BAJ has been maintaining an efficient working environment with long-term recruitment and retention programs led to uplifting the Saudization factor from 23% in 1994 to 87% by the end of 2009.  
        Address : King Abdulaziz Road, P.O Box: 6277, Jeddah 21442, Saudi Arabia.
        Website : www.baj.com.sa, Phone number : 966-2-609-8888
4.       Banque Saudi Fransi - 
       The Bank is affiliated with Credit Agricole Corporate and Investment Bank that holds an equity interest of 31.1%. Credit Agricole CIB is a fully-fledged member of the Crédit Agricole Group, the second largest bank in France, and seventh amongst banks of the Euroland by total equity. As of March 2012, the Bank has a capital strength of 9,040,178,750 SR.
        Objectives
        Our objective is to provide all types of commercial banking services to both domestic and international customers. BSF aims at creating a long term and personalized partnership with all its customers, gaining loyalty through recognized banking expertise, quality of service, as well as innovative and customized financial solutions.
        Social activity
        As a corporate citizen, the Bank supports the tireless efforts of the Saudi government in the economic reform programs and developmental efforts to strengthen the economy and promote the welfare of the community.  As part of the memorandum of agreement between the Bank and the Ministry of Social Affairs, Banque Saudi Fransi supports the programs and activities of the Ministry to unify the efforts made by various charitable organizations, assists them with the Bank’s various donations and participate in media campaigns aimed at social awareness. The memorandum also aims at exchanging ideas on charity works, and build bridges of cooperation between the private and public sectors. 
        Steady Growth
       Over the years, BSF has demonstrated a sustainable pattern of growth that has established its current financial strength and leadership in the Saudi market, positioned the Bank as a modern and dynamic institution fully geared to meet the challenges of the future.  In the area of Islamic banking services, Banque Saudi Fransi had made considerable improvement in the development of products and services including enhancements of our branches to comply with the provisions of Islamic Sharia and to provide alternative products available to companies and individuals including investment and Global Markets services.  Banque Saudi Fransi plays a leading role in the provision of these services aside from leasing and participation in Tawarruq for corporate clients.
        Profits
        Banque Saudi Fransi has announced its financial results for the full year 2012 recording a net income of SR 3,015 Million .The earnings per share establish at SR 3.34 for the full year 2012 .
        Address : Al Maathar Street, Al Murabba 56006, Saudi Arabia.
        Website : www.alfransi.com.sa, Phone number : 966-1-289-9999
5.        Islamic Development Bank - 
         Establishment
        The Islamic Development Bank is an international financial institution established in pursuance of the Declaration of Intent issued by the Conference of Finance Ministers of Muslim Countries held in Jeddah in Dhul Q'adah 1393H, corresponding to December 1973. The Inaugural Meeting of the Board of Governors took place in Rajab 1395H, corresponding to July 1975, and the Bank was formally opened on 15 Shawwal 1395H corresponding to 20 October 1975.
        Purpose
        The purpose of the Bank is to foster the economic development and social progress of member countries and Muslim communities individually as well as jointly in accordance with the principles of Shari'ah i.e., Islamic Law.
        Functions
        The functions of the Bank are to participate in equity capital and grant loans for productive projects and enterprises besides providing financial assistance to member countries in other forms for economic and social development. The Bank is also required to establish and operate special funds for specific purposes including a fund for assistance to Muslim communities in non-member countries, in addition to setting up trust funds. The Bank is authorized to accept deposits and to mobilize financial resources through Shari'ah compatible modes. It is also charged with the responsibility of assisting in the promotion of foreign trade especially in capital goods, among member countries; providing technical assistance to member countries; and extending training facilities for personnel engaged in development activities in Muslim countries to conform to the Shari'ah.
        Membership
        The present membership of the Bank consists of 56 countries. The basic condition for membership is that the prospective member country should be a member of the Organisation of Islamic Cooperation (OIC), pay its contribution to the capital of the Bank and be willing to accept such terms and conditions as may be decided upon by the IDB Board of Governors.
        Capital
        Up to the end of 1412H (June 1992), the authorized capital of the Bank was two billion Islamic Dinars (ID) {A unit of account of IDB which is equivalent to one Special Drawing Right (SDR) of the International Monetary Fund (IMF)}. Since Muharram 1413H (July 1992), in accordance with a Resolution of the Board of Governors, it became six billion Islamic Dinars, divided into 600,000 shares having a par value of 10,000 Islamic Dinars (ID) each. Its subscribed capital also became four billion Islamic Dinars payable according to specific schedules and in freely convertible currency acceptable to the Bank. In 1422H, the board of governors at its annual meeting held in Algeria decided to increase the authorized capital of the Bank form ID 6 billion to ID 15 billion and the subscribed capital from ID 4.1 billion to ID 8.1 billion. According to the Directive of the Third Extra-Ordinary Session of the OIC Islamic Summit Conference held in Makkah Al-Mukarramah on 7- 8 December 2005, calling for a substantial increase in the capital stock of IDB in order to enable it to strengthen its role in providing financial support and technical assistance to its member countries, the Board of Governors of the IDB in its 31st Annual Meeting in Kuwait decided to increase the authorized capital stock of IDB by 15 billion Islamic Dinars to become 30 billion Islamic Dinars and the subscribed capital by 6.9 billion Islamic Dinars to become 15 billion Islamic Dinars.
        Address : P.O. Box. 5925, Jeddah 21432, Saudi Arabia.
        Website : www.isdb.org, Phone number : 966-2-646-6429
6.           National Commercial Bank - 
           Founding and Legal Structure :
           - The National Commercial Bank was the first Saudi bank to be licensed in the Kingdom. It is considered the     
              largest in the Saudi Arabia and a leading financial institution in the Region. The Bank initiated its business   
              under the name   of ‘‘The National Commercial Bank’’ following the Royal Decree on 20 Rabi Thani 1373H (26         December 1953).
           - In 1999, the Government through the Ministry of Finance's Public Investment Fund (PIF) acquired a majority          holding in the Bank.
          - The National Commercial Bank owns 90.71% of NCB Capital, its investment arm the Premier Investment bank in      the Kingdom, and owns 65.61% of Türkiye Finans Katılım Bankası (TFKB), the leading participation bank in    
            Turkey.
         Financial Indicators :
         - NCB is one of the largest Bank in the Arab world. The Bank’s paid-up capital is SR 15,000 million (US$ 4,000     
           million)
         - Total assets at year-end 2012 totaled SR 345,320 million (US$ 92,085 million)
         - Net profit for fiscal year 2012 totaled SR 6,453 million (US$ 1,721 million).
         - Shareholders’ equity at year-end 2012 totaled SR 39,404 million (US$ 10,508million)
         - Return on average Shareholder’s equity for fiscal year 2012 amounted to 17.9%
         - Earning per share for fiscal year 2012 amounted to SR4.31 (US$ 1.16)
         Key Facts & Figures :
         - At year 2012, the Bank operated 512 branches throughout the Kingdom, dedicated exclusively to Islamic   
           Banking services
         - At year-end 2012, the Bank’s customers surpassed more than3.3 million clients.
         - At year 2012, the Bank employees throughout the Kingdom reached a total manpower of 9,631,  92.1% of which      are Saudis.
        - At year-end 2012, the Bank has operated 1,960  Automated Teller Machines throughout the Kingdom.
        - Over 86% of customer transactions had been successfully executed through alternative delivery channels   
          during fiscal year 2012.
        - NCB is considered from among the first Saudi companies that implemented the principle of Corporate 
          Governance and the first bank in Saudi Arabia to receive International Certification on Business Continuity
          Management.
        - The Bank also maintained its leadership in corporate social responsibility. A number of new programs were   
          launched to enhance NCB’s strategic partnerships and geographic coverage. Various initiatives included job   
          opportunity programs that provided entrepreneurs with knowledge, support, and benevolent loans.
        Address : King Abdulaziz Street, Balad Area 3555, Saudi Arabia.
        Website : www.alahli.com, Phone number : 966-9-2000-1000
7.       Riyad Bank - 
        Riyad Bank is one of the largest financial institutions in Saudi Arabia and the Middle East, with a strong corporate and retail banking franchise.
        Operational Performance
        Mobilizing its substantial capital base and with decades of expertise to assume a leading role in all areas of Saudi finance, Riyad Bank is a leading financier and arranger of syndicated loans in the oil, petrochemicals, and most of the Kingdom’s notable infrastructure projects. We offer our clients an accessible network of more than 252branches with 80 ladies sections and 20 self-service electronic branches. Our remote banking package (RiyadNet) uses the latest electronic technologies to address the banking needs of our customers. The bank has also kept its lead in the ATMs network, as the number of multi-functional ATM's exceeded 2,562 machine distributed in strategic & carefully selected locations. Offices in London, Houston, and Singapore help us support the international banking needs of our clients. Riyad Capital [Riyad Bank’s investment banking arm] is a leading player in the IPO advisory business and asset management in Saudi Arabia, having won numerous investment awards in categories ranging from “best mutual performance” to “best fund manager.”
        Financial Performance
        Riyad Bank has achieved SR 951 million as net income up to 31 March 2013 as compared to SAR 901 million last year, an increase of %5.5 with total operating income increasing to SR 1,725 million against SR 1,644 million last year an increase of %4.9.
        Financial Strength
        Total assets as at end of March 2013 reached SR 186,450 million against SR 183,393 million last year an increase of 1.7%. Customer deposits reached SR 143,964 million against SR 139,536 and loans and advances, net stood at SR 120,922 million against 113,695 last year. Standard & Poor’s Rating Agency raised its long-term liability rating for Riyad Bank to ‘A+’ and ‘A-1’for short-term liability. The international Fitch Ratings Agency also maintained the ‘A+’ rating for long-term liabilities and ‘F1’ credit ratings awarded for short-term liabilities. Additionally, Capital Intelligence Agency has awarded the Bank (AA-) for long-term liabilities and (A+) for short-term liabilities. These agencies have affirmed these ratings after confirming a stable outlook for the Bank. 
        Address : King Abdul Aziz Road, Riyadh 11416, Saudi Arabia.
        Website : www.riyadbank.com.sa, Phone number : 966-1-401-3030
8.       Saudi British Bank - 
        SABB is a Saudi Joint Stock Company with a strong track record and a heritage that stretches back more than 30 years. Established on 12 Safar 1398(H) (21 January 1978), SABB formally commenced activities on 26 Rajab 1398(H) (01 July 1978) when it took over the operations of The British Bank of the Middle East in the Kingdom of Saudi Arabia. SABB is an Associated Company of the HSBC Group, one of the world’s largest banking and financial services organisations with over 10,000 offices in 83 countries and territories across Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. This association means that SABB customers not only have access to our own market-leading services and customer care, but can also tap into the HSBC Group’s global network, resources, skills, specialist knowledge and expertise.
        Address : P.O. Box 9084, Riyadh 11413, Saudi Arabia.
        Website : www.sabb.com, Phone number : 966-1-405-0677
9.       Saudi Hollandi Bank - 
        Saudi Hollandi Bank, the first operating bank in the Kingdom of Saudi Arabia, was founded in 1926. Originally it was known as 'The Netherlands Trading Society', and operated out of one office in Jeddah. Its main business at the time was providing financial services to Haj pilgrims from Indonesia. As it was the only bank in the Kingdom at the time, it acted as the central bank, keeping the Kingdom's gold reserves and receiving oil revenues on behalf of the Saudi Arabian government. In 1928 the Saudi Riyal, a new silver coin commissioned by Late King Abdulaziz, became the Kingdom's first independent currency. The Netherlands Trading Society office in Jeddah had the honour of assisting the government with the launch of the local currency. In 1954 the Netherlands Trading Society expanded its operations in the Kingdom by opening two additional branches, in Al Khobar and Dammam, in the Eastern Province.
        In 1969, ABN Bank was one of the first foreign banks to implement the Saudization initiatives set forth by the Saudi Arabian Monetary Agency (SAMA) and became the model for other foreign banks in the Kingdom. In 1977 the Saudi Hollandi Bank was established as a joint-venture company with a paid-up capital of SAR 35 million. The branch network was expanded to include Riyadh, Jubail, Makkah, Hofuf, Madinah, Qatif and other regions. Over the ensuing years the bank continued to expand and develop, introducing a number of technical innovations in banking and expanding both its range of products and services and its customer base. In 2006, the bank celebrated 80 years of providing loyal service to the citizens of Saudi Arabia. In 2009, the bank opened its new operations center Al Waha, which houses the bank's centralised operations functions as well as the SHB Academy. Also in 2009, SHB was the first bank in the Kingdom to deploy the automated Teller Cash Recycling machines (TCR), which was introduced to enhance the Open Branch concept that allows a direct and more friendly contact between the bank's employees and our customers.
        At the end of March 2012, the bank's paid-up capital amounted to SAR 3,969 million. Saudi Hollandi Bank employs 1,504 staff with a Saudization ratio of over 88.43% and operates 45 branches, 15 Ladies Sections, 30 Preferred Banking Centres and 265 ATMs providing banking services throughout the Kingdom.
        Address : Al-Dhabab Street, P.O. Box 1467, Riyadh11431, Saudi Arabia.
        Website : www.shb.com.sa, Phone number : 966-1-401-0288
10.    Saudi Investment Bank - 
       The Saudi Investment Bank (SAIB) is a Saudi Arabian joint stock company established by Royal Decree No. M/31 dated 25 Jumada II 1396H, corresponding to June 23, 1976. The Bank began operations in March 1977. The shareholders of SAIB, a publicly listed company, include J. P. Morgan Chase, Mizuho Corporate Bank - formerly, The Industrial Bank of Japan, Saudi public and private institutions as well as Saudi Individuals. We offer traditional wholesale, retail and commercial banking products. In particular, we arrange financing of quasi-government and private industrial sectors and trade finance products for facilitating imports and increasing Saudi exports.
        On the retail side we offer a comprehensive range of Sharia compliant products and services including accounts, murabaha investments and personal finance solutions.  We also provide a comprehensive range of Treasury  and Institutional Banking products and services. We have also established  successful joint-ventures / subsidiaries to  cater to Investment Banking and Share Trading, Asset Management, Leasing, Mortgages, Insurance and Credit Cards.
        Address : P.O. Box 3533, Riyadh 11481, Saudi Arabia.
        Website : www.saib.com, Phone number : 966-1-478-6000

Serbia
1.       NLB Banka - 
       NLB Banka a.d. Beograd, with headquarters at the NLB Group Business Building in Belgrade, covers the entire market of Serbia through its wide business network, comprising 5 branches and a total of 47 outlets. NLB Banka operates as a universal bank, i.e. it offers a broad portfolio of banking services suited to the needs of both corporate and individual clients. Our banking experts and other professional staff are fully dedicated to improving our position in the market, caring responsibly for the needs of our clients, shareholders, employees and the wider community.
        Our Bank’s mission is to maintain the optimal balance between the different objectives dictated by the contemporary business environment - between (1) fast growth and stability; (2) mass transactions and an individual approach to the client; (3) compliance with professional standards and flexibility; (4) global and local markets; (5) profit and social responsibility. 
        Conforming to the policy of the Government of the Republic of Serbia, NLB Banka is a regular participant in numerous programmes providing incentives to the local economy and the financial sector, especially in the area of providing subsidised loans. NLB Banka is a member of the NLB Group – the largest international financial organisation of Slovenia. Our employees are dedicated to presenting the products and services from our portfolio to existing and potential clients in a new and appealing manner, by organising a number of interesting promotions through which private clients can become more familiar with the Bank and get answers to all their questions regarding our Bank’s operation and offers. In this and many other ways, the Bank continuously strengthens its relationship with its clients.
        Address : Trg republike 2, Ljubljana 1520, Slovenia.
        Website : www.nlb.rs, Phone number : 381-7006-555-22
2.       Komercijalna Banka - 
       Komercijalna banka (full legal name: Komercijalna banka a.d. Beograd) is a bank founded in 1970 in Belgrade, Serbia. It has a network of 251 branches all over Serbia. It is also the founder and 100% stake owner of Komercijalna banka Budva operating in Montenegro. The bank also operates in Bosnia and Herzegovina through its local subsidiary Komercijalna banka Banja Luka since 2006. Two of the bank's biggest stakeholders are the Government of Serbia with 42.6% and European Bank for Reconstruction and Development with 25%. According to the most recent annual financial report submitted to the Serbian Economic Registry Agency, the company has 3,009 employees and posted an annual profit of RSD 3,946,319,000 (approximately $47.93 million at the time) for the calendar year 2012. As of July 3, 2013 Komercijalna Banka has a market capitalization of US$ 138.91 million. At the end of Q3 2013 Komercijalna Banka's assets reached US$ 4.32 billion.
        Address : 11000 Beograd Svetog Save 14, Slovenia.
        Website : www.kombank.com, Phone number : 381-1130-295-82
3.       Marfin Bank - 
        Corporate Governance Code (hereinafter: the Code) of Marfin Bank ad Belgrade (hereinafter: the 
        Bank) shall establish and affirm the basic principles of the Bank's corporate governance practices and 
        organizational culture of the holders of corporate governance and supervision of such management, 
        especially regarding the rights of shareholders, framework and manner of operation of holders of 
        corporate governance, by informing and transparency of bank activities. The aim of the Code is to establish and confirm high standards in all areas of business operations as a  means of improving the corporate governance system that would allow balance of the impact of its  holders. 
        The Code supplements the current legislation and regulations of the Bank, so that no provision of the 
        Code shall abolish the legal rules governing the same issue differently, or the rules established by the 
        Memorandum of Association, Articles of Association, and other general enactments of the Bank. 
        The Bank operations are based on the legality and ensuring reasonable accountability and trust in 
        joint activities by promoting fair relationships between the bank and its shareholders, and society as a 
       whole, so as to ensure the implementation of corporate principles, including the following : 
        - Providing the basis for an effective corporate governance framework; 
        - The efficient exercise of shareholders' rights and their protection; 
        - Fair and equal treatment of shareholders; 
        - Responsibility of management bodies; 
        - Cooperation and ethics of management bodies; 
        - Efficient internal control mechanisms; 
        - Development of business ethics. 
      In order to implement the above said principles, "Persons with special responsibility" towards the Bank 
      represent the organizational framework of the Bank and have the obligation to act in the interests of 
      the Bank. The following are particularly considered "Persons with special responsibility towards the Bank": 
      1. Shareholders owning a significant share in the share capital of the Bank as well as those 
      considered controlling shareholders of the Bank; 
      2. Proxies of the Bank; 
      3. Members of the Board of Directors and Members of the Executive Board, Members of the  
       Audit Committee. 
      "Persons with special responsibility towards the Bank" are also obliged to act loyally, i.e. : 
       a) Not to use the Bank's assets in their own interest or in the interest of the persons related to them; 
       b) Not to use the information they have obtained in such capacity, and which is not publicly available; 
       c) Not to abuse the position in the bank for personal gain; 
       d) Not to use Bank business opportunities for their personal needs. 
      "A person with special responsibility to the Bank" shall notify the Board of Directors about the 
       existence of a personal interest in the transaction or legal actions taken by the Bank. 
       Website : www.marfinbank.rs, Phone number : 381-1133-063-00
4.      Société Générale Banka - 
       Societe Generale Serbia – an active development on the Serbian market
       Societe Generale was founded on May 4, 1864 in France by a decree signed by Napoleon III. Initially the bank was founded as a stockholders company with the mission to improve the economy, initiate growth, stimulate industrial investment and develop communications and a social spirit. During almost 150 years of existence, Societe Generale has been playing a vital role in the economy, becoming one of the leading world financial services groups. Based on a diversified universal banking model, Societe Generale Group combines financial solidity with a strategy of sustainable growth, and aims to be the reference for relationship banking, recognised on its markets, close to clients, chosen for the quality and commitment of its teams. More than 154,000 employees based in 76 countries are serving 32 million clients throughout the world on a daily basis. Societe Generale's teams offer advice and services to individual, corporate and institutional customers in three core businesses :
         - Retail Banking in France
         - International Retail Banking
         - Corporate and Investment Banking
         Societe Generale is the third largest corporate and investment bank in the euro zone, and many times has been announced as the best one :
        - Bank of the year 2006. (The Banker)
        - The best bank in France (Euromoney 2007.) 
        - The best private bank in France, Luxembourg and worldwide (Euromoney 2007.) 
        - The best bank in Central and Eastern Europe (Euromoney 2010.)
        Societe Generale has been present in the domestic market since 1977, when the bank opened a representative office in Belgrade. On February 12, 1991, Societe Generale Yugoslav Bank was established as the first bank in the country with a majority of foreign capital. From that time forward, the bank has been constantly present in the Serbian market, offering its services to corporate clients.
        In 2001, the bank decided to expand its services to individual clients and thus become a universal bank. During December 2001, the first four branch offices for individual clients were opened in Belgrade. Societe Generale Srbija records constant growth in retail activities, resulting in a wide network of 107 branch offices located throughout Serbia in 2013. Societe Generale Srbija gained its reputation as a leading bank in the Serbian market through professionalism, quality service and team spirit, based on the standards of the Societe Generale Group.
        Societe Generale Group and Societe Generale Srbija trust in the future development of Serbia and are dedicated to provide qualitative and sustainable banking services to the Serbian economy. Reinforced in 2011 by a 105 MEUR increase of capital to achieve its ambitious objectives in the coming years so as to be the reference bank on the local market, Societe Generale Serbia presents a solid capital base (300 MEUR equity at the end of 2012) which leads to a strong capital adequacy ratio (18.7% in December 2012). Over 1,300 employees, with a strong sense of dedication and team spirit, served around 247,000 retail and 5,500 corporate clients at the end of 2012. In 2013, Societe Generale took over the clients of KBC in a deal which represents a premiere on the Serbian market showing the readiness of Societe Generale Serbia to be one of the actors towards the consolidation of the local banking sector. Societe Generale Srbija is successfully achieving the transfer of Retail, Small Business and SME customers. So far, more than 25.000 Retail clients were transferred from KBC Banka to the network of Societe Generale Srbija, as well as over 4 000 Small Business clients.
        Address : Belgrade, Serbia.
        Website : www.marfinbank.rs, Phone number : 381-1130-115-10

Singapore
1.       AFC Merchant Bank - 
        AFC Merchant Bank (AFC) was incorporated as Asean Finance Corporation Limited in Singapore in 1981. It is the brainchild of the ASEAN Bankers Association, a regional banking organisation comprising all the national banking associations in ASEAN. AFC received its Merchant Banking Licence from the Monetary Authority of Singapore in 1988 and assumed its business name of AFC Merchant Bank in 1991. 
        Our Mission
        Mobilize financial resources to finance projects, promote industrialization and overall economic development in the ASEAN region.
        Principal Activities
        The principal activities relate to merchant banking such as project financing, capital markets syndication, loans and corporate finance advisory services. AFC is a participating financial institution of the Internationalisation Finance Scheme (IES IF Scheme). The IES IF Scheme is a Singapore government assistance financing program designed to help Singaproe based companies to internationalise their business. It is administered by International Enterprise Singapore.
        Strategy & Focus
        - Deepen our wide ASEAN network with key financial institutions in South East Asia.
        - Provide investments capital for selected projects in ASEAN, either singly or jointly with investors, to assist in   
          the promotion of the economic development as part of the Bank's mission.
        - Provide financing to infrastructure projects in the emerging markets within ASEAN.
        - Facilitate cross-border investments within ASEAN.
        - Extend the offerings of our Corporate Finance services to better serve the overall needs of our clients.
        - Work closely with banks and financial institutions in as well as outside ASEAN and in the process promotes   
          cooperation in finance amongst ASEAN banks.
       - Leverage on the International Enterprises of Singapore Internationalization Finance Scheme, to support   
         Singapore clients to expand their business overseas.
       - Current market focus of Cambodia, Vietnam, Laos and Myanmar. 
       Address : 180 Cecil Street, #17-01, Bangkok Bank Building, Singapore 069546.
       Website : www.afcmerchantbank.com, Phone number :  65-6224-7155
2.       Bank of Singapore - 
       On 29 January 2010, ING Asia Private Bank (IAPB) was acquired by OCBC Bank, one of Asia's leading financial services institutions. The combined private banking businesses of IAPB and OCBC was subsequently named Bank of Singapore. As a wholly-owned private banking subsidiary of OCBC Bank, we offer a fully open-architecture product sourcing platform while leveraging on OCBC Bank's extensive branch network and entire value chain of specialised financial services.
        Corporate Goverance
        We believe in transparency and being forthright with all clients and investors. We strive to disclose all information that could help you evaluate our strengths and understand the corporate governance of our bank.
        - Risk-Based Capital Adequacy
        Bank of Singapore's Common Equity Tier 1 Capital Adequacy Ratio (CAR), Tier 1 CAR and Total CAR, as of 30 Sep 2013, were above the minimum 4.5%, 6% and 10% required by the Monetary Authority of Singapore, respectively.
        - Corporate Governance Report
       We have a transparent governance structure that ensures the interests of all our stakeholders are protected.
       Comprehensive Banking Services
        We recognise that as a high net worth individual, you would need other financial services beyond the realm of private banking – for your business, your family, property investments as well as protection for future generations. As a member of OCBC Bank, Bank of Singapore offers our clients a unique value proposition through OCBC Bank; our insurance arm, Great Eastern Holdings; our asset management business, Lion Global Investors; and OCBC Securities. We provide access to commercial banking, corporate finance, investment banking, asset management and securities brokerage services. At the same time, you can tap on OCBC's network of offices and branches across geographies, including those of OCBC Malaysia, OCBC China and OCBC NISP for your banking needs.
        We leverage the integrated financial services and resources of OCBC Bank to offer you comprehensive banking services.
        Address : 63 Market Street, #22-00 Bank of Singapore Centre, Singapore 048942.
        Website : www.bankofsingapore.com, Phone  number : 65-6559-8000
3.       Citibank Singapore - 
        Citibank Singapore Ltd is a wholly-owned subsidiary of Citigroup, one of the world's largest financial services organisations. By combining local expertise with the strength of Citibank's worldwide consumer banking network, we offer some of the world's leading range of financial services including deposit accounts, foreign currency deposits and investments as well as credit cards, mortgages, insurance and charge cards. Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Citibank's Global Consumer Banking division began banking operations in Singapore in 1982. Although a relative latecomer to the retail-banking sector, the bank has grown into a formidable market player with major market share in key businesses including unsecured lending, deposits and investments and secured assets. Citibank was among the first four foreign banks to be awarded the Qualifying Full Bank (QFB) license by the Monetary Authority of Singapore (MAS) in 1999.
        Citibank's Global Consumer Group in Singapore has long been acknowledged in the industry for its people management practices, and has produced some of the country's most outstanding talents in the consumer banking industry. In recognition of its people development practices, the Global Consumer Group in Singapore was awarded the People Developer Standard by SPRING Singapore (Standards, Productivity and Innovation Board) in 2003. This is a national initiative to recognise and award outstanding people management practices in Singapore. In June 2004, Citibank announced its move to incorporate a wholly-owned subsidiary of Citigroup in Singapore, known as Citibank Singapore Ltd, with a paid-up capital of S$1.5 billion. This move comes as part of Citibank's strategy to grow its international businesses, and reaffirms the bank's long-term commitment to the Singapore.
        Address : Robinson Road, P.O.Box 356, Singapore 900706.
        Website : www.citibank.com.sg, Phone number : 65-6225-5225
4.       DBS Bank - 
        DBS is a leading financial services group in Asia, with over 250 branches across 16 markets. Headquartered and listed in Singapore, DBS is a market leader in Singapore with over four million customers and also has a growing presence in the three key Asian axes of growth, namely, Greater China, Southeast Asia and South Asia. The bank's strong capital position, as well as "AA-" and "Aa1" credit ratings that are among the highest in the Asia-Pacific region, earned it Global Finance's "Safest Bank in Asia" accolade for five consecutive years, from 2009 to 2013. DBS was established in 1968 as the Development Bank of Singapore. It was the catalyst to Singapore’s economic development during the nation’s early years of independence. Since then, DBS has transformed into a successful financial services institution, offering a comprehensive range of innovative products and solutions to meet its clients’ needs. The bank has a regional network spanning more than 250 branches and over 1,100 ATMs across 50 cities. As one of the leading banks in Asia, DBS also acknowledges the passion, commitment and can-do spirit in all of our 19,000 staff, representing over 30 nationalities. We are committed to empowering, educating and engaging our staff so as to build a high performance organisation renowned for its good customer service and innovative business solutions.
        Market leadership in Singapore and Hong Kong
        DBS’ primary operations are in Singapore and Hong Kong, two of Asia’s best regulated markets, which contributed 62% and 21% of net profit in 2012 respectively. The bank operates two brands in Singapore - DBS and POSB. Together, DBS and POSB operate more than 80 branches and more than 1,100 ATMs at various locations. DBS also has leading market shares in mortgage loans and credit cards in Singapore. In Hong Kong, DBS has an extensive branch and ATM network, operating nearly 50 branches and over 60 ATMs. DBS is a leading consumer bank in Singapore and Hong Kong, serving over 4 million and 1 million retail customers respectively. The bank has also been a key partner in spearheading and financing the growth of Singapore’s small and medium-sized enterprises, or SMEs. In Hong Kong, DBS is a leading player in the SME banking space, with leading market shares in equipment and trade finance. DBS is also a pioneer in the capital markets with extensive product origination and risk management capabilities. The bank was the first to launch Singapore’s first real estate investment trust (REIT) in 2002 and is instrumental in meeting the growing demand of such funds in the region. It is also a well-regarded custodian for institutional investors and provider of wealth management products for individuals. A leader in treasury operations, DBS extends a broad range of capabilities in foreign exchange and derivatives, money market and securities trading to corporations and financial institutions.
        Growing in the region
        Building on the strengths of its Singapore and Hong Kong businesses, DBS is steadily making its mark in the region. Greater China - comprising China, Hong Kong and Taiwan, is a key part of DBS’ regional strategy. DBS is the first Singapore bank to incorporate in China in May 2007, and has over 30 branches and sub-branches across the country. In May 2008, DBS integrated Taiwan’s Bowa Bank into its operations after acquiring the “good bank assets” in February. Underscoring our commitment to Taiwan, we set up a local subsidiary, DBS Bank (Taiwan) in 2012. It now has more than 40 distribution outlets across the country. In India, DBS has 12 branches across key cities like Mumbai and Delhi. In Indonesia, DBS has a 99%-owned subsidiary, PT Bank DBS Indonesia, and is rapidly expanding its footprint across the country. It currently has a network of nearly 40 branches spread across 11 cities. In July 2008, DBS opened the Hanoi Representative Office to spearhead the bank’s development of the wholesale banking business. Then in September 2010, DBS opened its Ho Chi Minh City Branch to focus on supporting the financial needs of Singapore and Asia-based corporates with business interests in the country as well as the greater Indochina region. DBS also made inroads into the Middle East through a representative office in Dubai. In May 2007, it launched The Islamic Bank of Asia (IB Asia), a partnership between DBS and more than 30 investors from prominent families and industrial groups based in the Gulf Cooperation Council countries. IB Asia is headquartered in Singapore and has a representative office in Bahrain.
        Address : 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982.
        Website : www.dbs.com, Phone number : 65-6878-8888
5.       United Overseas Bank  - 
       United Overseas Bank Limited (UOB) is committed to providing quality products and excellent customer service. Founded in 1935, UOB has a well-established regional presence, particularly in Asia where we have banking subsidiaries in Singapore, Malaysia, Indonesia, Thailand and China. With our strong foothold in the region, we understand the Asian corporate culture and business mindset and are well-placed to create opportunities by linking our customers to their counterparts in Asia.
        About UOB
        United Overseas Bank ("UOB") was incorporated on 6 August 1935 as the United Chinese Bank. Founded by Datuk Wee Kheng Chiang, the Bank catered mainly to the Fujian community in its early years. The change of name was effected in 1965. Over the past 78 years, UOB has grown from strength to strength. Through a series of acquisitions, it is now a leading bank in Asia. Besides Far Eastern Bank in Singapore, UOB’s major banking subsidiaries in the region are United Overseas Bank (Malaysia), United Overseas Bank (Thai), PT Bank UOB Indonesia and United Overseas Bank (China). Today, the UOB Group has a network of more than 500 offices in 19 countries and territories in Asia Pacific, Western Europe and North America.
        Our Business
        UOB provides a wide range of financial services through its global network of branches, offices, subsidiaries and associates: personal financial services, private banking, commercial and corporate banking, investment banking, corporate finance, capital market activities, treasury services, futures broking, asset management, venture capital management, insurance and stockbroking services. In Singapore, UOB is a market leader in the credit card and private residential home loan businesses. It is also a key player in loans to small and medium enterprises. In 2011 UOB was named the Best Retail Bank in Singapore and the Best SME Banking Business in The Asian Banker's 10th International Excellence in Retail Financial Services Awards Programme. Its asset management arm, UOB Asset Management, is one of Singapore’s most awarded fund managers with a growing regional presence. UOB is rated among the world’s top banks, with a rating of Aa1 from Moody’s and AA- from Standard & Poor’s respectively.
        With UOB's extensive global network and partnership with associates, we provide a wide range of financial services:
        • Personal Financial Services
        • Private Banking
        • Trust Services
        • Commercial and Corporate Banking
        • Investment Banking
        • Corporate Finance
        • Capital Market Activities
        • Treasury Services
        • Future Broking
        • Asset Management
        • Venture Capital Management
        • General Insurance
        • Stockbroking Services
        Community Involvement
        UOB plays an active role in the community, focusing on children, education and the arts. Its staff volunteerism programme was initiated in 2007. Through the UOB Heartbeat Run/Walk, UOB has raised funds for its named beneficiaries. UOB has also organised the prestigious Painting Of The Year Competition and Exhibition since 1982. In recognition of its contributions to the arts, UOB was conferred the National Arts Council’s Distinguished Patron of the Arts Award for seven consecutive years since 2005.
        Address : 80 Raffles Place, UOB Plaza, Singapore 048624.
        Website : www.uobgroup.com, Phone number : 65-6533-9898
6.       HSBC Singapore - 
         In Singapore, The Hongkong and Shanghai Banking Corporation Limited first opened its doors in December 1877.  Today, HSBC's flagship office remains at the original Collyer Quay site where its first branch was opened. One of  the earliest banks to establish in Singapore, HSBC is today a prominent player in Singapore's banking sector and  offers a broad range of banking and financial services tailored to meet a wide spectrum of needs, from those of  multi-national corporations to local businesses and individual Singaporeans. Linked to the Group's international  network, HSBC in Singapore provides customers with a comprehensive range of financial services including  personal, commercial, corporate, investment and private banking, insurance, forfaiting and trustee services,  securities and capital markets services. 
        About HSBC in SingaporeA Qualifying Full Bank, HSBC Singapore has nine branches (five of which incorporate a dedicated HSBC Premier centre) and over ten locations providing self-service terminals. Our branches provide Automated Teller Machines, Cash Deposit Machines and electronic banking channels including 24-hour PhoneBanking services and Internet banking services. Through a strategic partnership with a retail giant, QuickCash allows our customers to also withdraw cash from the cashiers when they shop at the Dairy Farm Group of stores which includes over 360 everyday stores like Cold Storage, Giant, Guardian Health and Beauty, Photo Finish, Market Place and Shop N Save.
       Address : 21 Collyer Quay, #21-01 HSBC Building, Singapore 049320.
       Website : www.hsbc.com.sg, Phone number : 65-6216-9008
7.       Maybank Singapore, 
       In December 1960, Maybank started operating in Singapore as a fully-licensed commercial bank. From our first local Branch in South Bridge Road almost 50 years ago, we quickly and aggressively expanded our reach and types of services offered. Today, Maybank's 27 service locations in Singapore help to meet the banking and financial needs of corporations and individuals alike. Maybank is a Qualifying Full Bank (QFB) in Singapore. For the convenience of our customers, all Maybank's 22 Branches and more than 35 ATMs are strategically located in both the business districts and suburban estates. Maybank is also part of atm5 - Singapore's only shared ATM network combining the reach of more than 130 locations of the six QFBs. Maybank is committed to bringing seamless banking and a wider spectrum of value-added financial services to our valued customers. By harnessing the latest technological advances to increase our network's effectiveness, our customers are able to conduct their banking transactions at any time and anywhere in the world, via the traditional as well as electronic channels.
        Maybank remains strongly committed to the Singapore operations, and our 32-storey headquarters, Maybank Tower, is the physical manifestation of this. As a QFB, Maybank Singapore will explore strategic alliances with the other QFBs for mutual benefit, and for the benefit of our customers who can expect to see a Bank that is closer to them - a Bank that understands their unique requirements. Maybank became the first and only Bank to receive triple certification for Singapore Quality Class, Singapore Service Class and People Developer from SPRING Singapore in 2009. In our continuous pursuit for business excellence, Maybank attained certification in Innovation Class by SPRING Singapore in 2010, becoming the first Bank in Singapore to achieve all four certifications at an enterprise level. Maybank went on to receive Singapore's first Excellence in Employee Engagement Award as part of The Asian Banker Excellence in Retail Financial Service Awards 2010. Also in 2010, Maybank was conferred the Exemplary Employer Award given out by the Tripartite Alliance for Fair Employment Practices (TAFEP). In 2011, Maybank Singapore reached another milestone in its business excellence journey by becoming the first and only bank to receive the People Excellence Award at enterprise level. Awarded by the Singapore Quality Award Governing Council, this award is a strong testament to the Bank’s people-first culture.
        In the area of work-life excellence, Maybank Singapore received the Work-Life Excellence Award given out by the Tripartite Committee on Work-Life Strategy, becoming the only Bank to receive this award three times in a row in 2006, 2008 and 2010. Maybank Singapore is also the recipient of the Best Workplace Award given at the Singapore Compact CSR Awards 2011. As at December 2012, Maybank's total assets in Singapore were S$36.4 billion. With 1,400 employees, we are well positioned to provide highly-personalised services and locally-oriented approaches, which will further enhance the Bank's standing in the local banking scene. Maybank Singapore strives to be a positive presence in the local community we serve through various corporate responsibility initiatives and programmes we undertake. In 2011, Maybank Singapore was recognised at the People’s Association Community Spirit (PACS) Awards for its community outreach efforts and was one out of two recipients to be conferred the Excellence Award in the corporate partner category.
        Address : 138, Robinson Road, Singapore 068906.
        Website : www.maybank2u.com.sg, Phone number : 65-6533-5229
8.       OCBC - 
        Purpose
        We help individuals and businesses across communities achieve their aspirations by providing innovative financial services that meet their needs.
        Values
        - Customers
        We listen to our customers and understand their needs. We build enduring relationships with them by delivering superior products and quality service.  
        - People
        We treat each other fairly and with respect. We support our colleagues and invest in their development to help them realise their full potential. We recognise and reward outstanding performance.  
        - Teamwork
        We, as team members, actively support each other across the organisation as we work towards our common purpose. As individuals, we expect total responsibility from ourselves.  
        - Integrity
        Fair dealing is the basis of our business. We assume everything we do is in full public view.  
        - Prudent risk taking
        We are prudent risk takers because our customers rely on us for safety and soundness.  
        - Effectiveness
        We actively invest in infrastructure, process improvement and skills to lower our delivery costs.  We do the right things right the first time, on time, every time. 
        Fair Dealing
       At OCBC, we understand that our continued success as a financial services group is dependent on our ability to build enduring relationships with our customers. This involves treating our customers with respect and integrity, and consistently dealing with them in a fair and professional manner. That is why the element of Fair Dealing features prominently in our core values. Specifically, our value of ‘Integrity’ underscores Fair Dealing as the basis of our business.
        We seek to deal fairly with our customers by :
        - providing them with clear, relevant and timely information to help them make informed decisions 
        - recommending only products that are aligned with their financial objectives and risk profiles 
        - training and certifying our sales employees so that they are equipped to give appropriate advice and   
           recommendations 
        - treating their feedback and complaints seriously, and ensuring that issues are addressed in an effective and   
          prompt manner
        Our employees are constantly reminded on the importance of Fair Dealing, which is further reinforced through their performance and compensation review framework. In addition, the other Fair Dealing-related processes, systems and policies across the organisation are periodically reviewed and enhanced to ensure their continued effectiveness in helping us deliver the desired customer outcomes.
       Address : 65 Chulia Street #09-00 OCBC Centre Singapore 049513. 
       Website : http://www.ocbc.com, Phone number : 65-6318-7222

Slovakia
1.       Prima Banka - 
        Prima Bank of Slovakia, and began her story in the same year as the independent Slovak Republic. In 1993 he founded the 193 municipalities Slovak bank, First Communal Bank, which specialized in the financing of Municipalities of Slovakia. Ten years after its inception, after the entry of new foreign shareholder, the Bank changed the name to Dexia Bank Slovakia, as also reinforced its position in the area of ​​retail banking - bank for individual clients. In 2011, a new, majority owner became a Central Bank Penta Investments, which currently owns more than 94% of the shares. Subsequently, from 1 January 2012, the Bank changed the business name to Prima Bank Slovakia, as Today Prima Bank offers comprehensive services to the citizens, businesses and governments, that provides, through its branch and ATM network. Long-term leading position in the segment of government plans to Prima bank used for further development and improvement of services scheduled for cities and towns in Slovakia.
        The Bank is the new strategy also focused increasingly on retail clients, which is reflected in simplifying portfolio of products and services as well as expand its branch and ATM network.
        Address : Hodžova 11, 010 11 Žilina, Slovakia.
        Website : www.primabanka.sk, Phone number : 421-0850-700-00
2.       Komercni Banka - 
       Komerční banka, a.s. is the parent company of KB Group, which consists of eight companies. KB is also a member of the Société Générale Group and ranks among the leading banking institutions in the Czech Republic and Central and Eastern Europe. In Slovakia, Komerční banka serves corporate clients through a branch, Komerční banka, a.s., pobočka zahraničnej banky. The KB branch in the Slovak Republic is especially focused on large and medium-sized enterprises with a turnover of EUR 40 million or more. The position of the KB branch in Slovakia is a strong one in this field, having at its disposal the know-how of the parent KB and using synergy in terms of the KB and SG Group, thanks to which it is able to provide its clients with comprehensive financial solutions.
        The KB branch in the Slovak Republic offers standard banking services, which include Cash Management, direct
        banking, payment cards, financing and investment banking products. The branch also provides Trade Finance products, where KB holds a leading position in the Czech Republic. An individual and personal approach and custom-made products, tailored to suit the requirements of the specific client, constitute an integral part of the offer of services. The KB branch in the Slovak Republic does not offer cash operations.
        Address : Hodžovo námestie 1A, P.O.BOX 137, 810 00 Bratislava, Slovakia.
        Website : www.koba.sk, Phone number : 421-8001-181-00
3.       Sber Bank - 
        After the acquisition of 100% shares of Volksbank International by the Russian Sberbank in 2012 , VOLKSBANK Slovensko, a.s. started to operate under the new brand, Sberbank Slovensko, a.s., from 15th February 2013. 
        The Austrian company , Sberbank Europe AG, is the majority shareholder of Sberbank Slovensko a.s, while Sberbank of Russia is the 100 % shareholder of Sberbank Europe AG. The bank´s strategy is built on four basic values, respect and esteem, friendly and open approach and constant effort to be perfect. Strong capital background and quality products, together with a 170-year tradition of the huge Sberbank Group provide the stable base for SME financing and comprehensive range of products and services for retail customers. Sberbank Slovensko has 41 branches, out of them 16 in Bratislava.  
        Address : Sberbank Slovensko, a. s., Vysoká 9, P. O. BOX 81, 810 00 Bratislava,  Slovakia.
        Website : www.sberbank.sk, Phone number : 421-2596-511-11
4.       Narodna Banka Slovenska - 
        Národná banka Slovenska is the central bank of the Slovak Republic.
        Since 1 January 2009, National Bank of Slovakia has been part of the Eurosystem. In cooperation with the European Central Bank and central banks of the euro area countries, it maintains the price stability. Within the Eurosystem, National Bank of Slovakia fulfils tasks related to:
        - monetary policy
        - foreign exchange operations and reserves
        - issuing euro banknotes and coins
        - payment systems
        - statistics
        - international cooperation
        - mutual cooperation and support among central banks
        - financial stability in the euro area
        Another important role of Národná banka Slovenska is supervision of the financial market.
        Address : Imricha Karvasa 1, 81325 Bratislava, Slovakia. 
        Website : www.nbs.sk, Phone number : 421-2578-711-11
5.       OTP Banka Slovensko - 
        OTP Banka Slovensko, a.s. operates on the Slovak market, and through its correspondent banks also on foreign markets, as a universal bank with a full foreign exchange license.
        - Since 4 April 2002, OTP Bank Rt., the largest Hungarian bank, has been the majority shareholder of OTP Banka       Slovensko, a.s.
        - Through the transfer of 69.56% of IRB, a.s. shares from the National Property Fund of the Slovak Republic (NPF   SR) and a purchase of 22.99% of shares from Slovenská poisťovna, the transaction was carried out as envisaged    in a Sale and Purchase Agreement signed on 7 December 2001 between the NPF SR, Ministry of Finance of the     Slovak Republic, and OTP Bank Rt.
       - OTP Bank Rt. holds 98,94 % of shares in OTP Banka Slovensko, a.s.
       - Slovak companies and retail shareholders are the other minority shareholders of the bank.
        OTP Banka Slovensko currently operates an extensive network of 69 branches throughout Slovakia. The bank is based in Bratislava. OTP Banka Slovensko has a system for comprehensive assessment of client’s business plans, in line with the world’s standards, and has implemented a payment and settlement system, PROFILE, which ensures on-line interconnection of all branches of OTP Banka Slovensko, a.s. The bank is currently linked to SWIFT, REUTERS, and TELERATE. The bulk of the bank’s business is banking products and services provided to clients on the Slovak market. The structure of products and services meets the needs of the major market segments the bank is serving. OTP Banka Slovensko offers its products and services to natural persons and legal entities. OTP Banka Slovensko is a universal bank catering to families, and it therefore offers products and services adjusted to the requirements of all generations (from the youngest family members to pensioners), and also to the demands of individual clients.
        The basic offering of OTP Banka Slovensko services includes :
        - Deposit services
        - Cash and change services
        - Loans
        - Domestic and international payments
        - Advice
        - Treasury and investment banking
        The bank provides its services through a network of 69 branches located in all major industrial and business centers in Slovakia. The bank’s services feature advantages such as a high speed and full range of the payment operations. All branches work in the on-line mode and are connected to the headquarters.
        Address : OTP Banka Slovensko, a.s., Štúrova 5, 813 54 Bratislava, Slovakia.
        Website : www.otpbank.sk, Phone number : 421-2597-911-11
6.       Postova Banka - 
       An idea for establishment of Poštová banka after 1989 was need for existence of financial institution of post office focused on rationalisation of structure, organisation, management and forms of financial services at post offices and formation of connecting segment with newly formatting banking system. It was a need to increase value of funds concentrated in provision of giro services, which predetermined banking nature of this financial institution. Need for building of Poštová banka as fast as possible and so that it is able to provide modern financial services led to necessity to use experience which could have been brought by foreign capital at the time. Therefore Poštová banka was constituted as a company with foreign capital participation.  As of beginning of 1990 P.S.K. Vienna participated efficiently in preparation work with its advisory and consultancy support.
        Poštová banka was registered as a joint stock company on 17th January 1991. Authorisation for execution of banking services was given by the State Bank of Czecho-Slovakia on 1st April 1991. In second half of 1992, preparation work for splitting of Poštová banka, a.s. Praha in two independent entities started. By decision of the General Meeting of shareholders of 15.12.1992, Poštová banka a.s., Praha terminated its activities as at 31.12.1992 and it was split in two successor organisations: Poštová banka, a.s., Praha and Poštová banka, a.s. Bratislava.
        On 3rd June 2000 Poštová banka, a.s., Bratislava signed long-term contract of cooperation with Slovenská pošta, š. p. As of this time, Poštová banka and Slovenská pošta cooperate as strategic contracting partners in the field of sale of selected banking products and services at post offices within common marketing concept.
       Address : Dvořákovo nábrežie 4, 811 02 Bratislava, Slovakia.
       Website : www.postovabanka.sk, Phone number : 421-8501-116-66

Slovenia
1.       Bank of Slovenia - 
       The Bank of Slovenia is the central bank of the Republic of Slovenia. It was established on 25 June 1991 by the adoption of the Bank of Slovenia Act (BoSA). It is a legal entity governed by public law. It is autonomous in disposal of its own assets. The Bank of Slovenia and the members of its decision-making bodies are independent and, pursuant to the BoSA, are not bound to any decisions, positions or instructions of state agencies or any other bodies, nor shall they seek their instructions or guidelines. Since the introduction of the Euro on 1 January 2007 the Bank of Slovenia, in carrying out its tasks, fully abides by the provisions of the ESCB and ECB Statutes. 
        As a member of the ESCB, in line with the Treaty establishing the European Community and the two statutes just mentioned, the Bank of Slovenia carries out the following tasks :
        - implements the common monetary policy,
        - co-manages the official foreign reserves of the Member States in accordance with the Treaty on establishing the   European Community, and
       - promotes the smooth operation of payment systems.
       The Bank of Slovenia also carries out all other tasks pursuant to the BOSA. 
       Address : Slovenska 35, 1505 Ljubljana, Slovenija.
       Website : www.bsi.si, Phone number : 386-1471-9000
2.       Banka Celje - 
        Banka Celje d.d. are proud of more than 140 years of tradition as the bank was founded in 1864 under a different name (Hranilnica mestne občine Celje - Celje Municipal Savings Bank). The bank is situated in Celje and has the strongest position in the region. Much of the business is done outside of the region, mainly through the Main Branch in Ljubljana. At December 31, 2009 the bank was the sixth largest Slovene bank, holding a market share of 5,27% according to total assets. Banka Celje d.d. is a universal bank performing all kinds of banking operations for corporate clients, sole traders and individual clients - domestically and on the international level. Clients are serviced though the bank's 32 domestic offices. Being active in the international markets the bank has also established correspondent relationships with foreign banks and hold accounts with 32 banks worldwide, while 4 banks have accounts opened with Banka Celje. We firmly believe that there are some things only a good bank can offer and conduct our business dealings accordingly.
        Address : Krekov trg 6, 3000 Celje, Slovenija.
        Website : www.banka-celje.si, Phone number :  386-3422-1030
3.       SKB Banka - 
        Mission and Vision
        SKB has distinguished itself as a modern, innovative bank and initiator in different areas of the Slovenian banking system. As part of the Société Générale Group, one of the largest banking groups in the euro area, SKB has received support in the transfer of modern technologies, opening up new business opportunities and access to funding sources. In addition, the Slovenian offers clients a diverse range of highly competitive products and quality services within an international network. SKB carefully considered the risks and at the same time focusing on effective response to customer expectations and market changes. Customer-friendly bank creating the adaptation of banking services to the wishes and needs of customers. With clients build a solid relationship based on mutual trust, understanding, finding the best solution, in good and bad times, and, finally, to their mutual satisfaction.
        Accountability and responsibility 
        We support you and recommend suitable financial solutions. We stick to the agreement and we have a clear communication. We have established service quality standards. Continuously improve their work, educate and upgrade their skills, providing you with a high level of banking services. 
        Address : SKB banka dd Ljubljana Ajdovščina 4 , 1513, Slovenija.
        Website : www.skb.si, Phone number : 386-1471-5555

South Africa
1.       African Bank - 
        Our vision at African Bank is to improve quality of life through affordable, convenient and responsible credit. At African Bank we believe in you, we also believe that credit should work for you to improve your life and help you to move forward. We say yes more often, because we take everything into consideration when you apply for credit – not just what you earn, but who you are and where you're going. We also respect you. We want to ensure that credit becomes a relief and a viable solution for you rather than adding to your problems or causing you embarrassment. So you know you will always be given all the necessary information to understand both the benefits and the commitment from your side.
        We respect your time. When you walk into one of our branches, you can walk out with credit on the same day. We also know that tailor-made credit can give you the freedom and time to make your credit work harder for you on your terms. We work as hard as you do. We know you pay your dues every day to earn a living and achieve your goals, we want to work alongside you to help you every step of the way. We can help you to understand, manage and improve your credit standing. African Bank doesn't just want to be your credit provider, we want to partner with you in getting what you want from life – this is the essence of what we offer – Credit that works for you.
       Address : 59 16th Road, Midrand, South Africa.
       Website : www.africanbank.co.za, Phone number : 0861-111-011
2.       Bidvest Bank - 
        Our customers expect the best value for their money, and rather than make big promises, we're the bank that delivers our highest customer expectations. As specialists in money management, we’re very conscious of our duty to look after your money in a responsible way. It’s just the way banking should be.
        Still need more reasons to choose us ?
        We are a fully-fledged bank with a reputation as the market leader in the foreign exchange arena as well as fleet and asset finance. We have leveraged two leading brands in South Africa: The Bidvest Group  and Rennies Foreign Exchange, to be the country’s leading specialist provider of travel foreign exchange services.
        With more than 150 years of involvement in foreign exchange in Southern Africa, we have the knowledge and expertise to understand your business with which to provide you with the best solutions.
        We focus on all major currencies through a correspondent global network. With over 100 branches nationwide, we are a leading seller of travellers' cheques and foreign bank notes in South Africa, offering a range of innovative pre-paid currency cards supported by the international Visa network. We offer the convenience of 60 currencies worldwide available immediately.
        Our fleet and finance service is a true one-stop shop. We can finance or lease. In addition, we can source, purchase, service, repair, insure, license, and sell your vehicle for you.
        To make use of any of our products or services, you do not need to hold a bank account with us. So why not take advantage of our knowledge and expertise? We are here to provide you with the best options available across a wide range of services.
         Address : 19, Ameshoff St, Braamfontein, Johannesburg, South Africa.
         Website : www.bidvestbank.co.za, Phone number : 0860-111-177
3.       Capitec Bank - 
        Capitec Bank is a commercial bank in the Republic of South Africa. It is one of the locally-controlled banks licensed by the Reserve Bank of South Africa, the South African national banking regulator. The bank operates as a retail bank that serves both individuals and businesses, but does not provide business banking for close corporations, companies, partnerships or trusts. It claims to focus on simplifying the banking experience, according to their literature. The bank maintains over 500 retail branches nationwide and has over 3.7 million customers. As of August 2010, the asset base of Capitec Bank was in excess of US$739 million, with shareholders' equity estimated at over US$208 million.
        Address : PO Box 12451 Die Boord. Stellenbosch. 7613. South Africa.
        Website : www.capitecbank.co.za, Phone number :  0860-102-043
4.       Ned Bank - 
       Nedbank is one of the largest banks in South Africa; however, it is one of the newest banks to be incorporated. It is headquartered in Johannesburg. Market capitalization was ZAR:89.6 billion (approximately US$9 billion), as of 31 December 2012.
        History
        The bank was originally founded in 1888 in Amsterdam as the Nederlandsche Bank en Credietvereeniging voor Zuid-Afrika ("Dutch Bank and Credit Union for South Africa"). In the same year the bank opened an office in Pretoria, South African Republic; in 1898 the bank moved its office to Church Square. In 1903 the company was renamed to Nederlandsche Bank voor Zuid-Afrika ("Dutch Bank for South Africa"). In 1906, the bank expanded and an office in London was opened. The bank split in 1951, renaming their South African part into the Nederlandse Bank in Suid-Afrika Beperk/Netherlands Bank of South Africa Limited. The number of South African shareholders increased greatly, and in 1969 the company become 100 percent South African-owned after the Bank Mees en Hope sold 20 percent of its shares. The South African part was completely independent. The Dutch part of the bank no longer exists; it's currently part of ABN AMRO.
        In 1992, the name of the bank was changed to Nedcor Bank Limited, of which Nedbank became the largest division. In 1992, Syfrets, UAL, and Nedbank Investment Bank merged to become Nedcor Investment Bank (NIB). Old Mutual, Nedcor's holding company, was demutualised and listed on the London Stock Exchange in 1999. It became a constituent of the FTSE 100 Index. Nedbank acquired the Isle of Man and Jersey private banking business of Robert Fleming & Co. in 2001. The new Nedcor Group was formed on 1 January 2003, combining Nedcor, BoE, Nedcor Investment Bank, and Cape of Good Hope Bank into one legal entity. The Nedcor Group was renamed the Nedbank Group on 6 May 2005. Nedbank headquarters are in Sandton, South Africa. In August 2009, Nedbank bought the remaining 49.9% of Imperial Bank South Africa, so Imperial Bank South Africa is now fully owned by Nedbank.
       Address : PO Box 1144, Johannesburg, South Africa.
       Website : www.nedbank.co.za, Phone number :  0860-555-111

South Korea
1.       Korea Exchange Bank - 
        As the bank with the nation’s largest global network, KEB is fast becoming the leading customer-oriented bank in Korea on account of its specialized knowledge in the foreign exchange sector and other high-quality services it provides. Due to its strategic marketing practices and effective use of capital and manpower, KEB is setting the pace for all other banks to follow, making it an industry leader. KEB surpassed 1 trillion won in net profits for 2005 and 2006. As a global bank representing one of the most dynamic regions in the world, Northeast Asia, KEB has been securing the top position in terms of capital level, profitability and asset soundness since its establishment.
        In late October 2003, The Bank succeeded in attracting over trillion won in new capital investment from Lone Star, thereby expanding its equity capital and creating the platform to drive ahead. Strong revenue generation and the self-motivated efforts of the Bank’s staff enabled KEB to overcome the challenges from the financial crisis in 1998.
        Address : 181, Euljiro 2-ga, Jung-gu, Seoul, 100-793, South Korea.
        Website : www.keb.co.kr, Phone number : 82-2-3709-8080
2.       KB Kookmin Bank - 
       KB Kookmin Bank (Korean: KB국민은행) or KB is the largest bank by both asset value and market capitalization in South Korea. Kookmin intended to take over Korea Exchange Bank, a government-owned bank with offices in foreign countries, by the end of 2006, to facilitate foreign exchange and corporate banking (as in contrast Kookmin is better known for its consumer banking services). The deal to buy Korea Exchange Bank was contingent on not finding any evidence of criminality when the Lone Star Equity Funds purchased Korea Exchange Bank in 2003. However as of December 2006, the takeover will not happen having been cancelled by Lone Star. In Sep, 2004, Kookmin Bank set to restate its 2003 and 2004 earnings after a financial watchdog found the bank avoided $270 million in taxes. According to the company website, Kookmin EPS in 2006 was 6977 South Korean won, and the dividend paid was 550 won per share. In September 2006 the share price was 73,000 won.
        Address : 9-1, Namdaemunno 2-Ga, Jung-Gu, Seoul 100-092, South Korea.
        Website : www.kbstar.com, Phone number : 82-2-2073-7114
3.       Korea Development Bank - 
       Korea Development Bank provides banking and financial services in South Korea and internationally. It operates through Corporate Finance, Investment Finance, Asset Management, and Others segments. The company offers corporate banking services, including facility capital and working capital loans; equity investments, public/corporate bonds, and private placement securities; and debt, payment, and bond guarantees. It also provides investment banking solutions comprising mergers and acquisition services for local and foreign companies, primary and secondary equity offerings execution, divesture, debt restructuring, business reallocation consulting, and foreign capital inducement; venture capital for information technology, nanotechnology, cultural technology, biotechnology, environmental technology, and space technology industries; project finance; and private equity services. In addition, the company offers international banking services consisting of syndication, structured finance, trade finance, and cross-border corporate trade finance, as well as foreign exchange, international bond, and derivatives trading services; and investment management and advisory services. Further, it provides domestic and international funding solutions; corporate restructuring services; and consulting services in the areas of new projects, corporate management strategy, corporate restructuring, public and development projects, overseas projects, and financial advisory and arrangement services. Additionally, the company offers consumer banking services, such as deposits, loans, bonds, funds, bancassurance, check cards, etc.; private banking services comprising asset management, safe deposit box, tax and legal counseling, and preferential fee treatment services; and account management services, as well as manages various funds and trusts. The company was founded in 1954 and is headquartered in Seoul, South Korea. Korea Development Bank is a subsidiary of KDB Finance Group.
        Address : 16-3, Youido-dong, Youngdeungpo-gu, Seoul, 150-973, South Korea.
        Website : www.kdb.co.kr, Phone number : 82-2-787-6934
4.       Kwangju Bank -  
        Kwangju Bank, Ltd. provides commercial banking services to public and private companies, local government offices, and individuals in Kwangju and Jeonam areas in South Korea. It offers loans, deposits, foreign currency exchange services, credit cards, bancassurance products, safe deposits of securities and valuables, and general teller services. The company also provides beneficiary certificate agency services; marketable securities; advances for payment on guarantee; call loans; and marketable securities, as well as Internet banking services. It operates through a network of tellers, ATMs, and branches. The company was founded in 1968 and is headquartered in Kwangju, South Korea. Kwangju Bank, Ltd. is a subsidiary of Woori Finance Holdings Co., Ltd.
        Address : 7-12, Daein-Dong, Dong-gu, Kwangju,  501-130, South Korea.
        Website : www.kjbank.com, Phone number : 82-6-2239-5000
5.       Shinhan Bank - 
        Shinhan Bank (신한은행, SWIFT SHBKKRSE, numeric 088), is a bank, headquartered in Seoul, Korea. Historically it was the first bank in Korea, established under the name Hanseong Bank in 1897. The bank was reestablished in 1982. It is part of the Shinhan Financial Group, along with Jeju Bank. Chohung Bank merged with Shinhan Bank on April 1, 2006. Shinhan Bank started as a small enterprise with a capital stock of KRW 25.0 billion, 279 employees, and three branches on July 7, 1982. Today, it has transformed itself into a large bank, boasting total assets of KRW 176.9 trillion, equity capital of KRW 9.7 trillion, 10,741 employees, and 1,026 branches as of 2006. As of March 31, 2013, the Shinhan Group had total assets of KRW 313,664,350 million and total equity of KRW 28,525,992 million.
        History
        Shinhan Bank (신한은행, SWIFT SHBKKRSE, numeric 088), is a bank, headquartered in Seoul, Korea. Historically it was the first bank in Korea, established under the name Hanseong Bank in 1897. The bank was reestablished in 1982. It is part of the Shinhan Financial Group, along with Jeju Bank. Chohung Bank merged with Shinhan Bank on April 1, 2006. Shinhan Bank started as a small enterprise with a capital stock of KRW 25.0 billion, 279 employees, and three branches on July 7, 1982. Today, it has transformed itself into a large bank, boasting total assets of KRW 176.9 trillion, equity capital of KRW 9.7 trillion, 10,741 employees, and 1,026 branches as of 2006. Total deposits and net income amounted to KRW 105.3 trillion and KRW 1.4 trillion, respectively Shinhan Bank is the descendant of Hanseong Bank, the first modern bank in Korea. It was established by Kim Jong-Han in 1897, but began operating around 1900. It was originally located in a small house with only two rooms. One room was for the president, Yi Jae-Won, and the other room was for the staff. The bank operated by borrowing money from Japanese banks at low interest rates and then loaning it out for twice the rate to the Korean market. The Bank was successful because despite lending out money at twice the rate it borrowed it at, the bank's interest rates were still far lower than what could be obtained elsewhere in Korea at that time. In an anecdotal story the bank's first property to use as collateral on a loan happened to be a donkey. The bank staff were challenged to feed and care for their collateral as the loan was out.
        Address : 120 Bungi, Taepyeong-ro 2-ga, Jung-gu, Seoul, South Korea.
        Website : www.shinhan.com, Phone number : 82-2-6360-3000
6.       Woori Bank - 
       Woori Bank (Hangul: 우리은행 Uri Eunhaeng) is a bank headquartered in Seoul, South Korea. The bank changed its name in 2002, and includes the former Commercial Bank of Korea, Hanil Bank, and Peace Bank. It was known from 1999 through 2002 as Hanvit Bank. Woori Bank is a part of the Woori Financial Group. In 2004, Woori Bank opened its Gaeseong Industrial Complex branch, in Gaeseong, North Korea. In May 2009, Woori Bank became the first South Korean bank to issue UnionPay debit cards in China. In March 2010 it became the first foreign bank to issue Shanghai Tourism Cards in mainland China.
        Its Jongno branch is located in the Gwangtonggwan, the oldest continuously-operating bank building in Korea. It was registered as one of city's protected monuments on March 5, 2001. Woori Bank is the first South Korean bank to support non-Internet Explorer web browsers for online banking in Korea. Its foreign divisions, such as the one based in China, still require IE. Woori Bank has operations in Bangladesh and in Indonesia. On 14 March 2012, its Indonesian subsidiary, Bank Woori Indonesia, announced a plan to merge with a local bank, Bank Saudara.
       Address : Seoul, South Korea. 
       Website : www.wooribank.com, Phone number : 82-2-2125-2000
       
Spain
1.       Bankia - 
        Bankia, S.A. is the name of the financial institution born from the integration of the seven savings banks (Cajas) that preceded it. On 30 July 2010, Caja de Ahorros y Monte de Piedad de Madrid, Caja de Ahorros de Valencia, Castellón y Alicante (Bancaja), Caja Insular de Ahorros de Canarias, Caja de Ahorros y Monte de Piedad de Ávila, Caixa d'Estalvis Laietana, Caja de Ahorros y Monte de Piedad de Segovia and Caja de Ahorros de La Rioja signed an integration agreement to establish a Contractual Group organised as a Sistema Institucional de Protección (an Institutional Protection Scheme or IPS) under Spanish law. The original purpose of the integration agreement was to establish the Group as an integrated organisation, recognised as a consolidated group for accounting and regulatory purposes, and as a vehicle for concentration from the standpoint of competition law. It envisioned articulating a far-reaching financial integration, integration of management and integration of the ownership of the group's corporate investments, while centralising the investment and disinvestment decisions in respect of the present and future portfolios.
        On 3 December 2010 the Central Company of the IPS was created under the name Banco Financiero y de Ahorros, S.A. (BFA), as the controlling entity of the IPS and parent company of the Banco Financiero y de Ahorros Group into which the seven Cajas and the rest of the subsidiary entities were integrated. Since 1 January 2011 Bankia, S.A. belongs to the Banco Financiero y de Ahorros Group and is, in turn, the parent company of its own group (the Bankia Group) whose scope of consolidation at 31 December 2011 included 385 subsidiaries, associates and jointly-owned entities engaged in diverse businesses, such as insurance, asset management, lending, services, development and management of property assets, and other activities. Bankia began trading on the Spanish stock market on 20 July 2011.
        Address : Calle Pintor Sorolla 8, 46002 Valencia, Spain.
        Website : www.bankia.com, Phone number : 34-90-210-2010
2.       Banco Etcheverria - 
        Banco Etcheverría is the oldest bank in the Spanish financial system, and the 11th oldest surviving bank in the world. It is older by over half a century than the Bank of Spain itself. It was founded in Betanzos, A Coruña (Spain) in 1717 by Juan Etcheverry, a French businessman established in Galicia who also created a tanning factory.
        His family inherited and continued the bank business through generations; the primitive Etcheverry transformed into Etcheverría to adapt to Spanish spelling (although the standard Spanish spelling is now Echeverría) The name comes from the Basque language Euskera - Etxeberria, meaning "new house". In 1964 it became an S.A. (corporation). Its stockholders (Francisco Javier, Asunción, María Cruz and Magdalena Etcheverría de la Muela) are all from the Etcheverría family, except the Caixa Galicia corporation, which bought a 37,12% in 2002 for 13,25 million Euro. 
        It currently has offices in all four Galician provinces as well as in Madrid. The bank has specialized in personal banking and wealth management. On December 2012, Venezuela's largest bank, Banesco, announced it has bought a majority stake in the Etcheverría bank by acquiring the 44.7% owned in the latter by nationalized Spanish bank Novagalicia Banco (NGB) as well as shares owned by the Etcheverría family.
        Address : Calle Real 75, no 30  Betanzos, Corunna, 15003 Spain.
        Website : www.bancoetcheverria.es, Phone number : 34-98-122-0042
3.       Banco Financiero - 
        Banco Financiero y de Ahorros S.A. primarily provides a range of banking services to individuals, and small and medium-sized companies in Spain. The company offers fixed-term deposits; consumer and mortgage loans; and capital market, private banking, asset management, and insurance services. It serves customers through a distribution channel of offices, Website, events, and fairs. The company is also involved in insurance, asset management, financial services, development and management of property assets, and other activities. Banco Financiero y de Ahorros S.A. was founded in 2010 and is based in Madrid, Spain.
        Address : Paseo de la Castellana no 189, Madrid,  28046 Spain.
        Website : www.bancofinancieroydeahorros.com, Phone number : 34-91-602-4678
4.       Banco Pastor - 
        Banco Popular Pastor, S.A. is a Spanish bank. It is the second oldest banking institution in the country, after Banco Etcheverría. The bank's main business activity is commercial banking, corporate banking, Internet and telephone banking, and treasury and capital markets. The bank had 4,035 employees as of 2005, 555 branches in Spain and 3 abroad.
        History
        Founded in 1776 by Jaime Dalmau Batista as Jaime Dalmau y Cía (Jaime Dalmau and Company), who had a shipping company operating between the port of A Coruña and several American ports. Galician emigrants used to send their savings back to Galicia through the shipping company, hence the need to manage all that capital.
        In 1819 José Pastor Taxonera became a partner in the company, and soon took control of the business. He bought it in 1845 and changed its name to José Pastor. The business was passed down through generations of his descendants, changing its name to Pastor Hermanos, José Pastor y Cía. and Sobrinos de José Pastor successively until 1925, when it became Banco Pastor and became a Sociedad Anónima.
        In 1939, Pedro Barrié de la Maza (one of the principal economic backers of General Franco's coup d'état received an economic tzar position in Galicia in exchange for his support) took full control of the bank and use it as a supporter of Galician business network control. At a national level it cooperated with Astano, Renfe and Fenosa, founded in 1943 by Barrié de la Maza. In 1971, following Barrié de la Maza's death, his widow Carmela Arias y Díaz de Rábago was appointed executive president of the bank, being the first woman to do so in Spain. In September 2001 she was succeeded by José María Arias Mosquera. In 2011, with the global financial crisis fully in effect, Banco Pastor was one of the few banks that failed the European stress test. On October 10th, a agreement was reached for a takeover by Banco Popular, but to be continued to be run as a separate entity.
        Address : CL Canton Pequeno, 1, La Coruna, ACR 15003, Spain.
        Website : www.bancopastor.es, Phone number : 34-98-112-7600
5.       Banco Popular - 
        Founded in 1926, the Banco Popular is one of the largest banking groups in Spain. The bank listed on the London Stock Exchange and is part of the IBEX 35 index. 
       The Group consists of :
        - A national bank with the brand Banco Popular Español.
        - Five local banks: Banco de Andalucía, Banco de Castilla, Banco de Crédito Balear, Banco de Vasconia, Banco de   Galicia.
        - A mortgage bank: Banco Popular Hipotecario.
        - A French bank: Banco Popular France.
        - A bank in Portugal: Banco Popular Portugal.
        - An online banking platform: bancopopular-e.com.
        - Representative offices in Belgium, Chile, Germany, Hong Kong, Caracas, Morocco, Netherlands, Switzerland          (Geneva and Zurich) and London.
       Address : Calle Núñez de Balboa No. 56, Madrid 28001, Spain.
       Website : www.bancopopular.es, Phone number : 34-91-520-7265 
6.       Banco Sabadell - 
       Banco Sabadell (Spanish: [ˈbaŋko saβaˈðel]; Catalan: Banc Sabadell [ˈbaŋ səβəˈðeʎ]) is the fourth-largest banking group funded by private Spanish capital. It includes several banks, brands, subsidiary and holding companies spanning the whole range of financial business. Specialising in commercial banking, it has a significant penetration in the company and medium and high level private customer market. It has a network of 1,387 offices employing a total of 10,699 staff. It is quoted on the Madrid Stock Market (SAB) and forms part of the IBEX 35 index.
       Address : Carretera de Barcelona, 290, 08203 Sabadell, Barcelona, Spain.
       Webiste : www.bancsabadell.com, Phone number : 34-90-232-3555
7.       Bankinter - 
       BANKINTER S.A. is a financial institution whose corporate purpose is the performance of banking activity. As a bank, it is subject to supervision from the Bank of Spain and from the National Stock Market Commission; it is also registered as number 128 in the Official Banks and Bankers Register. Bankinter, S.A., (Spanish pronunciation: [baŋˈkinter]), formerly known as Banco Intercontinental Español, is a Spanish commercial bank. Bankinter was in 2007 the sixth-largest listed banking group in Spain. The biggest individual shareholder in the company is Crédit Agricole, which acquired around 20% in late 2007. The Bank of Spain subsequently gave authorisation for CA to increase its stake to just below 30%,[4] but such a move has not yet been announced.
        History
        Banco Santander and Bank of America founded BankInter in 1965 as a joint venture, though neither is currently an owner. In 1972 it became fully independent of its founders and floated on the Madrid Stock Exchange, where its shares became one of the components of the IBEX 35.
        Address : CIF no. A-28/157360, Paseo de la Castellana 29, 28046 Madrid, Spain.
        Website : www.bankinter.com, Phone number : 34-91-339-7500
8.       Bankpime - 
       Bankpime (Banco de la Pequeña y Mediana Empresa), the Small and Medium Enterprise Bank, is positioned as the second largest Catalan bank in terms of size with over EUR500 million in assets and about 20 branches. The company was founded in Barcelona in 1978 and is a banking organisation designed to cater for the needs of small and medium-sized businesses. It also provides banking services for individuals, as well as offers insurance packages to cover the most common risks associated with modern lifestyles. The bank is part of the Barcelona Stock Exchange, as well as Latibex, the international market for Latin-American securities valued in Euros. In 2011, CaixaBank, Spain's third largest bank, acquired Bankpime’s banking and fund management business for 16 million euros.
        Address : Pedro i Pons, 6-8, Barcelona, 08034 Spain.
        Website : www.bankpime.es, Phone number : 34-93-316-3333
9.      Caja Madrid - 
       Caja Madrid, formally the Caja de Ahorros y Monte de Piedad de Madrid, headquartered in Madrid, is the oldest of the Spanish savings banks. It was founded on December 3, 1702, as Monte de Piedad de Madrid by Francisco Piquer, an Aragonese priest. Currently, Caja Madrid is the regional-owned bank of the Community of Madrid (Comunidad de Madrid). On 27 June 2011, Caja Madrid merged with six other savings banks to form Bankia. Caja Madrid held a 52.6 percent controlling interest in the new company.
        History
        The Monte de Piedad de Madrid was the first Spanish Monte de Piedad, following a pattern that had been started in fifteenth-century Italy. These institutions were organised as a charity, organized and operated by Christians, and offering financial loans at a moderate rate interest to those in need. The money lent out was from a fund built up by voluntary donations from financially privileged people who had no intentions of regaining their money.
        The people in need would then be able to come to the Monte di Pietà and give an item of value in exchange for a monetary loan. The term of the loan would last the course of a year and would only be worth about two-thirds of the borrower’s item value. A pre-determined interest rate would be applied to the loan and these profits were used to pay the expenses of operating the Monte di Pietà. Such organizations spread throughout the continent of Western Europe during the Middle Ages, a credit to the preaching of Franciscans and their condemnation of usury.
        The Montes de Piedad appeared in Spain when Francisco de Piquer y Rodilla founded the Monte de Piedad de Madrid by depositing a silver Spanish real in a box as the beginning of a fund to which he gave the name, Nuestra Señora del Santo Monte de Piedad de las Ánimas . It was intended that the fund would be augmented by the donations of the faithful who wished to ease the suffering of the souls of their relatives who were in purgatory by providing donations that could be used as loans to ease the suffering of the needy in this life.
        Address :  Plaza de Celenque, 2, 28013 Madrid, Spain.
        Website : www.cajamadrid.com, Phone number : 34-90-224-6810
10.    Caixa Catalunya - 
        Caixa Catalunya (Catalan pronunciation: [ˈkaʃə kətəˈɫuɲə]), the trading name of Caixa d'Estalvis de Catalunya, was a Catalan savings bank headquartered in Barcelona, Catalonia. It was owned by the Barcelona Provincial Government. It was the fifth largest savings bank in Spain, and the second largest banking institution in Catalonia, after La Caixa. As of December 2007, the bank had 1192 offices, all of them in Spain except one in Perpignan, France, and 1583 ATMs. It was founded on October 26, 1926, under the name Caja de Ahorros Provincial de la Diputación de Barcelona. With the advent of the Second Republic and the reinstatement of the Generalitat, the name was changed to "Caixa d'Estalvis de la Generalitat de Catalunya", and the then President of the Generalitat, Francesc Macià, became president of the entity. Narcís Serra was its last president. On 1 July 2010, it merged with Caixa Tarragona and Caixa Manresa to form a new entity, which soon after started to trade under the name CatalunyaCaixa. Caixa Catalunya owned the Casa Milà, also known as La Pedrera, one of Antoni Gaudí's most famous buildings, where it managed a cultural centre and exhibition area.
        Address : Francesc Layret, 50, Barcelona, Spain.
        Website : www.caixacatalunya.com, Phone number : 34-93-484-5000  
11.    Caja Mediterraneo - 
        Because of its impressive capacity for delivery, Caja Mediterráneo chose to team with Accenture on Project Mare Nostrum for the implementation of Alnova, a multichannel platform capable of managing the new operational processes needed for its expansion plans.
        Client Background
        Since 2003, Caja Mediterráneo (CAM) has expanded throughout Spain, becoming the country’s fourth-largest savings bank in terms of profits (third in terms of market share). Headquartered in Alicante, it is now the ninth-largest financial institution in Spain, with 1,112 branches, more than 3 million clients and presence in nine other countries. Focused on offering a full range of retail banking services, both for individuals and companies, CAM has gained market share by widening its range of banking and asset management products and services, by improving the quality service to clients, and by diversifying its business.
        Address : San Fernando n 40. ALICANTE03001. Spain.
        Website : www.cam.es, Phone number : 34-96-590-5062
12.    Kutxa - 
        Kutxa (Caja Gipuzkoa San Sebastian) is a savings bank operating in the Gipuzkoa province of Spain. Kutxa, was set up on 1st December 1990, as the result of fusing the Caja de Ahorros Municipal de San Sebastián (created in April 1879) and Caja de Ahorros Provincial de Gipuzkoa (set up in July 1896). With €20.85 billion in assets at December 31, 2010, Kutxa is the main financial institution operating in Guipúzcoa, one of the three provinces of northern Spain's Basque Country. It holds market shares of about 40% and 50% of the province's customer loans and deposits, respectively. This dominant home market position, particularly among households, is one of Kutxa's key business strengths and has served it as a base to expand into other regions, gradually improving its geographic diversification. Kutxa's indisputable market position in Guipúzcoa results from its powerful market image and dense distribution network (covering a large number of small villages), and from the Basque Country's strong regional identity. At year-end 2010, Kutxa had 347 branches, of which 205 were outside Guipúzcoa. Kutxa also has 5 branches in France. Like all Spanish savings banks, Kutxa is not incorporated and has no shareholders. Its governing bodies include local and regional government representation, which acts without significant political interference.
       Address : Garibai 15, Donostia-San Sebastián, Gipuzkoa 20004, Spain.
       Website : www.kutxa.net, Phone number : 34-94-300-1246
13.    La Caixa - 
       The Caja de Ahorros y Pensiones de Barcelona, "La Caixa", is the result of the merger, in 1990, of the Caja de Pensiones, founded in 1904, and the Caja de Barcelona, founded in 1844. From its beginnings, "la Caixa" was primarily dedicated to family saving and to offering all its customers insurance for old age, when this type of welfare service did not yet exist in Spain. Thus, since its origins, "la Caixa" has been characterised by a strong social commitment and a vocation to work in the general interest, both through its financial activity and its welfare projects developed by “la Caixa” Foundation, which finance activities of a social, cultural and scientific nature.
        This vocation to serve has been maintained and consolidated throughout this period. Today “la Caixa” is the number one savings bank in Spain and the third largest financial entity in the country for results, with a workforce of over 32,625 employees and undertakes banking activity indirectly through CaixaBank. CaixaBank has over 12.9 million customers, a network of more than 6,342 branches, more than 9,696 automatic cash dispensers, and, it is the leading entity in retail banking and a benchmark in the Spanish financial sector. CaixaBank brings together all the banking business of ”la Caixa”, its holdings in international banks, its insurance business and holdings in Telefónica and Repsol.
        The activity of the "la Caixa" Group is focused on a model of universal banking based on the strategy of multi-channel operations that enables it to efficiently combine the use of cutting-edge technologies and the qualifications of its employees to provide the best and most complete service to the greatest number of customers. With the aim of diversifying income and taking part in the development of companies that offer basic services to society, “la Caixa” has for many years now pursued a strategy of investing in such businesses. The ”la Caixa” Group currently has a large portfolio of holdings in industry, property, international banking, the insurance business and service sector companies.
        Address :  Av. Diagonal, 621-629, Barcelona, 08028 Catalunia, Spain.
        Website : www.lacaixa.com, Phone number : 34-93-404-6000

Sri Lanka
1.       Bank of Ceylon - 
        The saga of Bank of Ceylon (BOC) began on 1st of August 1939 under Bank of Ceylon Ordinance No. 53 of 1938, the Governor of Ceylon, Sir Andrew Caldecott, declared open the maiden office of Sri Lanka’s first state-owned commercial bank in Fort, Colombo. BOC is a licensed commercial bank established under the Banking Act No. 30 of 1988.The registered office is situated at No. 01, BOC Square, Bank of Ceylon Mawatha, Colombo 01, Sri Lanka.
        Engaged In
        Today having completed more than seven decades of glorious existence, the Bank is firmly entrenched as Sri Lanka’s premier financial services organization offering a broad range of services consists of commercial banking, trade finance, development financing, mortgage financing, lease financing, investment banking, corporate financing, dealing in Government securities, pawn brokering, credit card facilities, off-shore banking, foreign currency operations and other financial services. BOC holds the leadership position in its assets, deposits, and foreign currency remittances.
        In Island Map and Beyond
        As Bankers to the Nation, BOC reached out to all citizens of the country through its largest network over 600 branches connected online. BOC ATM network over 490 in numbers, serve the people 365 days 24 hours in all 25 districts of the country. The Bank has 13 Subsidiaries and 5 associate companies in its group structure. BOC diversified its operations in the United kingdom by upgrading its first overseas branch, London branch to a fully fledged bank operating as a subsidiary of BOC named Bank of Ceylon UK Ltd. BOC operates in 02 overseas locations, namely, Maldives and Chennai. 2 ATMs are located in Maldives. BOC represents the highest worldwide network with over 865 overseas correspondent banks and exchange companies. To serve the migrant communities of the country, we have expanded our services through our representatives at the exchange houses in Qatar, the United Arab Emirates, Kuwait, Bahrain, Oman, the Kingdom of Saudi Arabia, Israel, Jordan, Italy, South Korea, France and Japan.
        Ratings and Listings
        BOC became the No:1 brand in the country for the fifth consecutive year with a Brand value of Rs: 24.15 billion in the year 2013. M/s Fitch Ratings Lanka Ltd has upgraded BOC's outlook to positive from stable and simultaneously affirmed its National Long Term rating at AA(lka), reflecting Bank’s strong financial profile in terms of capital base, profitability and assets quality. The Debt securities ofBank of Ceylon were listed in the Main Board of Colombo Stock Exchange (CSE) from 19 December 2008 .
        Governance
        In attracting and maintaining public confidence in the institution especially because it is a Government-owned enterprise and the pivotal and dominant role of the Bank in the Sri Lankan economy carrying substantial influence and leadership over many matters of policy and practice, Bank of Ceylon pursues a strategy of being in line with best practices in respect of Corporate Governance. Bank complied with laws and regulations on Corporate Governance as the critical success factor of a sound control environment and improved operational efficiency and enhanced the brand image.
        Community
        As Sri Lanka’s foremost Commercial and Government Bank, BOC make significant contribution through sustainable financing, philanthropic and social investments whilst building a healthy business for the benefit of all our stakeholders.
        Address : 1, BOC Square, Bank of Ceylon Mawatha, Colombo.01, Sri Lanka.
        Website : www.boc.lk, Phone number : 94-11-2446790
2.       Commercial Bank of Ceylon - 
        Having set a benchmark in private sector banking in Sri Lanka we have set standards, created an identity and forged an unsurpassable trend. Recognised as trend setter we have maintained our cultural identity while providing a range of products and services. Powered by state-of-the-art technology and driven by a team of highly motivated, dynamic individuals we have become the leaders in private banking in Sri Lanka.
        Our Vision
        "To be the most technologically advanced, innovative and customer friendly financial services organisation in Sri Lanka, poised for further expansion in South Asia"
       Our Mission
       "Providing reliable, innovative, customer friendly financial services, utilising cutting edge technology and focusing continuously on productivity improvement whilst developing our staff and acquiring necessary expertise to expand locally and regionally"
        Address : No 21, Sir Razik Fareed Mawatha, P.O. Box 856, Colombo 1,  Sri Lanka.
        Website : www.combank.net, Phone number : 94-11-2353596
3.       Hatton National Bank - 
        Hatton National Bank is a premier private sector commercial bank in Sri lanka and has been acknowledged globally by The Asian Banker as the Best Retail Bank in Sri Lanka for Six consecutive years for its performance from the year 2007 to 2012. The Euromoney magazine named HNB as The Best Bank in Sri Lanka for the years 2009 and 2010. HNB was also acknowledged by The Banker as The Bank Of The Year 2006 for Sri Lanka. We have now centralized administrative operations at our landmark HNB Towers, used cutting edge technology to automate our network and equipped our team with skills befitting a futuristic bank and worked with stakeholders and the environment to ensure that we manage social and environmental impacts sustainably and with accountability.
        The HNB umbrella of today has two local subsidiaries - HNB Assurance, our insurance arm and the first insurance company to achieve the one billion rupee landmark in turnover only 5 years after inception, and Sithma Development, a real estate development company. The epoch making joint venture between two financial power houses, HNB and DFCC Bank, saw the emergence of Acuity Partners. In spite of the impressive persona HNB has notched up for itself over 120 years, our ethos is simple. We remain firm in our belief that we must continue to be an integral facet in the lives of the Sri Lankan people. By embracing change and ensuring transparency, we have flourished even in the most challenging times and continue to retain the trust and confidence of the nation.
        Address : 479, T. B. Jayah Mawatha (Darley Road), Colombo 10, Sri lanka.
        Website : www.hnb.net, Phone number : 94-11-2660823
4.       Nations Trust Bank - 
       Nations Trust Bank is one of the fastest growing banks in Sri Lanka today. Our portfolio of financial products and services caters to the varying requirements of individual, corporate and institutional clients. As a young and dynamic bank, Nations Trust Bank has immediate appeal for young and sophisticated professionals looking for a bank they can identify with. We have over 60 branches, 21 leasing centres, 7 personal banking centres and internet banking facilities. As a truly customer-centric financial institution, Nations Trust Bank provides tailored service for contemporary lifestyles. Our branches are open for extended hours, unlike most other banks in the Sri Lanka which keep to traditional banking hours. We offer a wide range of great value financial products, from tailor-made Treasury products to retail products, from leasing to American Express credit cards. These have ensured the rapid growth of Nations Trust Bank while maintaining market stability.
        Address : 242 Union Pl, Colombo, Sri Lanka.
        Website : www.nationstrust.com, Phone number : 94-11-4711411
5.       People's Bank - 
       Our Vision
       To be the Bank of the aspiring People of Sri Lanka: empowering people to become value creating, competitive and self-reliant.
       Our Mission
       For our Customers
       - To take pride in providing an excellent service in the most caring, responsive and professional manner.
      For our Owners
      - To generate benefits for the national economy whilst being independent and commercially viable.
      For our Employees
      - To create opportunities for our employees to benefit from their high performance by becoming value creating,  skilled, self confident and professional individuals who are also team players.
      For Society
      - To support empowerment and sustainable development by contributing to the upliftment of education, culture and  environment island wide.
      Our Business Values
       - We recognise that the primary reason for our existence is to create value for all the people of the Nation by   becoming a major source of high quality capital information.
       - In all our activities we will exercise our duty of utmost care in the interest of our depositors.
       - We will promote long-term ethical relationships with our customers through true and fair dealing.
        - We will put our customers at the centre of everything we do by minimising bureaucracy, demanding hands on   management, fast decision and implementation.
       - We will empower people and require them to be accountable.
       - We will demand the highest standards of personal integrity at all levels, putting the Bank’s interest ahead of   individuals
       - We will create an environment of mutual respect and trust where employees can demonstrate their performance   and achieve their full potential.
       - We will develop our business by encouraging high performing teams that recognise and support the skills,   commitment and links to the community of every employee
       - We are committed to complying with the spirit and letter of all laws and regulations, adhering to the highest   standards of Corporate Governance, transparency, disclosure and ethical conduct
       - We will conduct ourselves as good citizens promoting the environment and sustainable development
       Address : No.75, Sir ChittampalamA. Gardiner Mawatha, Colombo 2,Sri Lanka.
       Website : www.peoplesbank.lk, Phone number : 94-11-2481481
6.       Sampath Bank - 
       Our Vision
       "The Growing Force in Sri Lankan Financial Services"
       Our Values
       - Create a learning culture that promotes individual and organisational development as well as
          promoting innovation and value for customers.
       - Treat all internal and external customers the way we would like to be treated.
        - Encourage and promote teamwork in all aspects of behaviour. 
        - Open to feedback and demonstrate an eagerness for personal development.
        - Monitor and demonstrate an impressive commitment to results.
        - Uncompromising ethical and professional standards of behaviour.
        Address : 110 Sir James Peiris Mawatha, Colombo 02, Sri Lanka.
        Website : www.sampath.lk, Phone number : 94-11-2303050
7.       Seylan Bank - 
        Seylan Bank PLC is a publicly owned Commercial Bank in Sri Lanka. It has branches both in urban as well as rural areas of Sri Lanka. Seylan bank had 151 banking centres island wide with 4900 staff members in 2013. Seylan Bank was incorporated in 28 August 1987 as a Public Limited Liability Company. It established its first subsidiary, Seylan Merchant Bank Limited, in 1992. A second subsidiary, Ceylinco Seylan Developments Limited was also established in 1992, primarily for the purpose of constructing the Bank's head office building, Ceylinco Seylan Towers.   
        Address : Seylan Towers, No 90, Galle Road, Colombo 03, Sri Lanka.
        Website : www.eseylan.com, Phone number : 94-11-2456789

Sweden
1.       Ikano Bank - 
        Ikano Bank is a consumer finance bank established in 1995 by Ingvar Kamprad (the founder of IKEA). It started with just one branch office in Älmhult, Sweden, but merged in 2009 with other entities within the IKANO Group. It now has its head office in Lund with branch offices in Sundbyberg, Älmhult, Asker, Glostrup, Nottingham and Helsinki. Ikano Bank also conducts business in Germany, Poland, Austria and Russia via separate companies.
        Ikano Bank offers loans, savings accounts and partner business supplying sales finance solutions to large retailers, including IKEA, Stadium, Volkswagen, Audi, Lindex, Hemtex, Fritidsresor and Vi. Ikano Bank is owned by the Kamprad family through IKANO, a group of businesses which also include insurance, retail and real estate in many countries. In January 2009, the bank changed its name from Ikanobanken to Ikano Bank.
        Address : IKEAgatan 6, S-343 81 Älmhult, Sweden.
        Wedsite : : www.ikanobank.se, Phone number : 46-5142-0300
2.       Handelsbanken - 
        Corporate social responsibility 
        Corporate social responsibility at Handelsbanken is manifested in responsible advisory services and lending, as well as efforts to have satisfied customers and be a good employer. The expression ‘corporate social responsibility’ reflects the strong social aspects of a responsibly run banking operation. While environmental risks, for example, have a relatively limited impact, the social risks associated with traditional banking operations are more substantial. There is a risk that irresponsible lending will not only affect the bank, but also have major social consequences for the customer. This is one reason why Handelsbanken does not apply variable compensation in its traditional banking operations.
        Environmental responsibility
        As far as it is technically and financially possible, and to the extent that is compatible with the Bank’s undertakings, Handelsbanken aims to promote long-term sustainable development. Therefore, the starting-point is that Handelsbanken’s impact on the environment must be minimised. Handelsbanken has signed and complies with a number of voluntary agreements, such as the ICC Business Charter for Sustainable Development, the UN’s Banks and the Environment programme (UNEP FI), the UN’s Global Compact voluntary initiative, and the UN Principles of Responsible Investment-UNPRI. 
        Address : Kungsträdgårdsgatan 2, SE-106 70 Stockholm, Sweden.
        Website : www.handelsbanken.se, Phone number : 46-8701-1000
3.       Nordea Bank - 
       Nordea is the largest financial services group in Northern Europe with a market capitalisation of approximately EUR 36bn, total assets of EUR 626bn and a core tier 1 capital ratio of 14.4%. Nordea has leading positions within corporate merchant banking as well as retail banking and private banking. It is also the leading provider of life and pensions products in the Nordic countries. With approximately 900 branches, call centres in all Nordic countries and a highly competitive e-bank, Nordea has the largest distribution network in the Nordic and Baltic Sea region. Nordea has the largest customer base of any financial services group in the Nordic region with approximately 11 million customers including new European markets, of which 10 million are household customers in customer programmes and 0.6 million are corporate customers. Nordea’s vision is to be a Great European bank, acknowledged for its people, creating superior value for customers and shareholders.
       Address : Smålandsgatan 17, SE-105 71 Stockholm, Sweden.
       Website : www.nordea.com, Phone number : 46-8614-7000
4.       SEB - 
        Most people strive to grow through visions and plans for the future. At SEB we see it as our job to be there as our customers turn these ambitions into reality; to make our knowledge available and be their trusted partner in both good and bad times; give good advice on a daily basis – but also to anticipate future needs. That is why cross-border co-operation is a success factor for us – one SEB, where differences in culture, individual background and skills are woven together into a whole that has tangible benefits for our customers.
        We are different from other Nordic banks in several ways, but mainly through our unique business mix with an emphasis on corporate banking and through deep and long-term relationships with our customers in the Nordic and Baltic countries and Germany. We are also proud of our history – more than a century and a half of it. This gives us a firm tradition to stand on but has also taught us to be resilient and take a long-term perspective. Above all, it has given us an insight: close relationships with our customers are paramount.
        Address : SE-106 40 Stockholm, Sweden.
        Website : www.sebgroup.com, Phone number : 46-7716-2100
5.       Skandiabanken - 
        Skandiabanken is an internet bank based in Sweden, owned by Skandia. It has one branch office in Stockholm and conducts the rest of its business over the internet and via telephone. Skandiabanken also operates in Norway and is the largest internet-based bank in Scandinavia. In late 2006 Skandiabanken changed its log-in procedure in order to enhance security and began requiring that customers use one-time codes. A petition protesting the move was immediately started. In a 2006 survey by Norsk Kundebarometer, the company achieved an 82% satisfaction rating, meaning it came top on the list of companies in Norway. 
        In late 2007, the Danish branch of the company was sold to Eik Bank Danmark. In late 2009, the Swedish branch of the bank began using BankID for login procedures, with the Nexus Personal client. Nexus Personal does not support 64-bits operating systems (Linux). As of February 2, 2010, https://www.skandiabanken.se/ support the following OS and browser combinations: Windows XP/Vista with IE7, IE8 or Firefox 3.5; Mac/Ubuntu 8.04 with Firefox 3.5. You will receive no support from the helpdesk if you do not have any of these browsers or operating systems.
        Address : Lindhagensgatan 86, Stockholm, 10655, Sweden.
        Website : www.skandiabanken.se, Phone number : 46-0771-5555
6.       Swedbank - 
        Swedbank is a modern bank firmly rooted in Swedish savings bank history. We are an inclusive bank with 7.9 million private customers and more than 600 000 corporate and organisational customers. This makes us Sweden’s largest bank in terms of number of customers and gives us a leading position in our other home markets of Estonia, Latvia and Lithuania. As a major bank, we are a significant part of the financial system and play an important role in the local communities we serve. We are dedicated to helping our customers, our shareholders and society as a whole stay financially sound and sustainable.
        We work hard to develop close, long-term relationships with our customers. Swedbank therefore has an extensive retail network and well-developed telephone, internet and mobile services. Our customers should always feel secure that the advice we give is in their best interests, and is not based solely on our products. When we develop products and services, the goal is to create something that will benefit customers in the long run – and us as well. Swedbank employees uphold the bank’s values of being simple, open and caring. On a daily basis this means, among other things, that our services and advice must be understandable to everyone and that we keep our promises. Swedbank shall have a robust balance sheet that can withstand economic fluctuations. Evaluating and managing risks is part of what we do every day. We achieve a solid risk spread by having a broad customer base of private individuals and companies in many different industries and through a sustainable balance between deposits and lending in our home markets.
        Address : 105 34 Stockholm, Sweden.
        Website : www.swedbank.se, Phone number : 46-8585-9000

Switzerland
1.      Arner Bank - 
       Arner Bank was founded in 1994, and is the parent company of a Swiss financial group specialising in banking and asset management services for individuals, families and institutional investors. The Arner Group is based in Lugano and has offices in Geneva, Milan, Nassau and Dubai. It comprises banks and companies with specific regional and professional expertise, which can meet any advisory or asset management requirement.
        Address : Banca Arner Ltd, Piazza Manzoni 8, CH-6901 Lugano, Switzerland.
        Website : www.arnerbank.ch, Phone Number: 41 91 912 62 22
2.       Axion Swiss Bank - 
        The word AXION derives from the ancient Greek αξιον and means valour and performance. It summarises in just a few letters what private banking has always meant for us: being close to the customers' needs, understanding their desire for confidentiality. Belonging to the BancaStato Group also helps us share values, methods and tools, adapting them to the specific needs of individual customers. Axion Swiss Bank SA is held by a Swiss-law Holding which in turn is 80% owned by Banca dello Stato del Cantone Ticino and 20% by a group of Axion Swiss Bank managers.
        We are, above all else, a bank tailor-made for its customers. The various private needs that we have been dealing with for more than thirteen years have in fact shaped our way of doing business in this direction. Over time these needs have defined our mission: thinking and acting alongside our customers offering them the bank's services.
       We are a bank with a profound international culture and a high intellectual profile. Our managers have held important positions in international banking Groups and have a high level of cultural and professional training.
       We are an entrepreneurial bank founded in 1998 from a start up launched within the international UniCredit Group, from which we have inherited a culture of compliant growth. We have grown over time through innovative projects and as consequence we are able to help our customers to achieve ambitious goals. We are also a successful bank for our customers, shareholders and employees.
        Address : Emilio Bossi 1, Post Box 5840, CH – 6901 Lugano, Switzerland.
        Website : www.axionbank.ch, Phone Number: 41(0)919109510
3.       Bank Vontobel - 
        Vontobel's business model is based on an integrated approach. It combines our core competencies in our Private Banking, Investment Banking and Asset Management businesses.
        Vontobel Private Banking
        We offer you holistic advice and specially tailored solutions. Our experts provide a comprehensive range of products and services to meet all your financial needs – from portfolio management and investment advisory to inheritance planning. At the same time, our clients benefit from our expertise in the areas of asset management and investment banking. We focus on security and the sustained enhancement of value in every aspect of our work.
        Vontobel Investment Banking
        Our activities in Investment Banking centre on the products business. We are committed to transparency and ensure our clients are fully informed about opportunities and risks. Vontobel Financial Products is one of the leading issuers of derivatives and structured products in Switzerland and Europe. We are pleased that our Brokerage and Corporate Finance units have attracted a number of international awards. We also make our expertise available to external asset managers. Securities and foreign exchange trading, as well as the securities services provided in the area of Transaction Banking, complete our offering.
        Vontobel Asset Management
        We specialize in active asset management and pursue a multi-boutique approach with our three global and three regional actively managed product lines. Our core competencies include targeted asset allocation, stock selection and multi-manager approaches. We distribute our asset management products directly to institutional clients and via wholesale channels, as well as through our cooperation partners. Our subsidiary Harcourt specializes in alternative investments and offers hedge fund solutions that are mainly geared towards institutional investors. Vontobel has a successful longstanding cooperation agreement with Raiffeisen Switzerland, which we supply with comprehensive investment services.
        Address : St. Alban-Anlage 58, CH-4052 Basel, Switzerland.
        Website : www.vontobel.com, Phone number : 41-58-283-7111
4.       Banque Cantonale de Geneve - 
        The Banque cantonale de Genève (BCGE) was originally founded in 1861. The BCGE was formed in its current form in 1994 through the merger of CEG Genève and Banque hypothécaire du Canton de Genève. It is now one of the largest cantonal banks in Switzerland, offering the services with emphasis on small and medium-sized companies. The bank also offers the traditional Swiss range of portfolio management services for private and institutional clients.
        Address : Quai de l'Ile 17, 1211 Geneva, Switzerland.
        Website : www.bcge.ch, Phone number : 41-58-211-2100
5.       Banque Cantonale Neuchateloise - 
        Banque Cantonale Neuchâteloise provides financial products and banking services in Neuchâtel, Switzerland. It offers loans, lines of credit, credit cards, personal asset management services, bank accounts, foreign currency accounts, business financing services, and private banking and online banking services. The company serves individuals and companies through its branches. Banque Cantonale Neuchâteloise is headquartered in Neuchâtel, Switzerland.
        Address : Place Pury 4, Neuchâtel,  2001 Switzerland.
        Website : www.bcn.ch, Phone number : 41-32-723-6111
6.       Credit Suisse Bank - 
        Our Strategy
        We expect our client-focused, capital-efficient strategy to benefit from a more constructive market environment while limiting our risk exposure in down markets.
        - Organizational alignment
        In November 2012, we announced an alignment of our organization to further strengthen our focus and ensure a more comprehensive execution of our strategy. We integrated our former Private Banking and Asset Management divisions into a single, new Private Banking & Wealth Management division, including the majority of our securities trading and sales business in Switzerland, which was transferred from the Investment Banking division. We evolved certain responsibilities on our Executive Board so that the four heads of our two business divisions are each also responsible for one of our four regions. The modified management structure allows for efficient cross-regional and cross-divisional collaboration to better realize revenue opportunities with more effective alignment between legal entities and their management structure, which also meets regulatory expectations.
        - Private Banking & Wealth Management
        Our Private Banking & Wealth Management division is comprised of our Wealth Management Clients, Corporate & Institutional Clients and Asset Management businesses. In Wealth Management Clients, we continue to focus on our international growth strategy, most notably fast growing and large onshore markets, as well as our ultra-high-net-worth individual client segment (UHNWI), while building on our strong position in the Swiss market and enhancing our efficiency. Further, we have realigned our organization in the Swiss market to balance growth in market share with operating efficiency. In our Corporate & Institutional Clients business, we further strengthened our focus on the specific client needs in our different businesses. In our Asset Management business, we strengthened our focus on liquid, scalable alternative investment products and multi-asset class solutions, while exiting subscale or less capital-efficient businesses and selectively optimizing our footprint.
        - Investment Banking
        In the Investment Banking division, we remain committed to offering our clients a broad spectrum of equities, fixed income, and investment banking advisory products and services. We are focused on businesses where we have a competitive advantage and where we are able to operate profitably and with an attractive return on capital in the new regulatory environment. While the industry still faces substantial restructuring, we have substantially completed our transformation to a business model which is fully compliant with the Basel III regulatory framework. We will continue to redeploy capital to our market-leading, high-returning businesses while continuing to reduce risk weighted assets and our cost base to further improve returns. 
        Address : Paradeplatz 8, 8070 Zurich, Switzerland.
        Website : www.credit-suisse.com, Phone Number: 41 (0)848 880 840
7.       Cembra Money Bank - 
        Cembra Money Bank takes its name from the Swiss pine (Pinus Cembra) which grows in the Swiss mountains and with which our bank shares some characteristics; it grows at an altitude of up to 2,850 metres under adverse conditions and can live for up to a thousand years, surviving temperatures as low as minus 45 degrees. A strong tree for a strong brand. It symbolises our values and shows what we stand for. It makes our origins, experience and commitment tangible. It embodies reliability and straightforwardness.
        About Cembra Money Bank
         "Flexible solutions for individual objectives". For us, as an experienced Swiss bank, the needs of our clients, partners and service providers come first. Thanks to our commitment and flexibility, we develop secure and simple financing solutions that enable our clients to achieve their individual goals. Irrespective of whether they need loans, a leasing arrangement, credit cards or savings products. Cembra Money Bank, with its headquarters in Zurich Altstetten, is one of the leading Swiss providers of financial products and financial services. In Switzerland, it has over 700 employees, drawn from more than 30 nations.
       Our values
        - We are committed
        We are dedicated to create financial flexibility for our customers.
        - We are uncomplicated
       We understand our customers and offer them simple and comprehensible solutions.
        - We are reliable
       We are an experienced Swiss bank, which protects its customers and their privacy. 
       Address : Bändliweg 20, 8048 Zürich, Switzerland.
       Website : www.gemoneybank.ch, Phone number : 41-44-439-8111
8.    The Swiss National Bank - 
      The Swiss National Bank (SNB) is the central bank of Switzerland. It is responsible for Swiss monetary policy and for issuing Swiss franc banknotes. U can open account in Swiss bank. The names of the institution in the four official languages of the country are: German: Schweizerische Nationalbank; French: Banque Nationale Suisse; Italian: Banca Nazionale Svizzera; Romansh: Banca Naziunala Svizra. The SNB is an aktiengesellschaft under special regulations. About 55% of its shares are owned by public institutions like cantons and cantonal banks. The remaining shares are traded on the stock market. They are mostly owned by private individuals. The Swiss National Bank has two head offices, one is in Bern and the other one in Zurich.
        Address : Bundesplatz 1, 3003 Berne, Switzerland.
        Website : www.snb.ch, Phone number : 41-31-327-0211
9.     UBS AG - 
      We draw on our 150-year heritage to serve private, institutional and corporate clients worldwide, as well as retail clients in Switzerland. Our business strategy is centered on our pre-eminent global wealth management businesses and our leading universal bank in Switzerland. Together with a client-focused Investment Bank and a strong, well-diversified Global Asset Management business, we will expand our premier wealth management franchise and drive further growth across the Group. Headquartered in Zurich and Basel, Switzerland, UBS is present in all major financial centers worldwide and employs about 61,000 people around the world. It has offices in more than 50 countries, with about 35% of its employees working in the Americas, 36% in Switzerland, 17% in the rest of Europe, the Middle East and Africa and 12% in Asia Pacific.
        Under Swiss company law, UBS is organized as an Aktiengesellschaft, a corporation that has issued  shares of common stock to investors. UBS AG is the parent company of the UBS Group (Group). The operational structure of the Group comprises the Corporate Center and five business divisions: Wealth Management, Wealth Management Americas, Investment Bank, Global Asset Management and Retail & Corporate.
        Address : Bahnhofstr. 45, P.O. Box CH-8098, Zurich, Switzerland.
        Website : www.ubs.com, Phone number : 41-44-234-1111
Syria
1.       Bank of Syria and Overseas - 
        Bank of Syria and Overseas  (BSO), member of BLOM Bank Group, is among the first private banks to open in Syria, established in December 2003 and started its operations in January 2004. BSO provides a complete line of commercial banking services, which include :
        - Deposits in Local and Foreign currencies
        - All commercial banking transactions related to domestic and international trade and their finance by discounting   bills, and opening Letter of Credits, handling collections, transfers ...etc
       - Credit facilities to commercial and industrial enterprises
       - Small and Medium Enterprises Loans
       - Correspondent Banking Services
       - Issuing Letters of Guarantee
       - Retail loans (Cars, Personal, Housing, for Doctors and Pharmacists  and for Consumer goods)
       - Local ATM cards
       - International Visa Cards (Classic, Gold and Platinum)
       - Domiciliation of Mobile Bills
       - Electronic Banking Services eBSO
       The Bank adopts International Accounting Standards (IAS) and International Financial Reporting Standards (IFRS). BSO owns 52% of the new established brokerage company, Syria and Overseas for Financial Services, which started its activities end of 2009 with a paid up capital of SYP 300 million. The new founded company offers the following services: Advisory Services, IPO management, Investment Management and Financial Consultancy.
        BSO along with BLOM Bank, are the major shareholders in Syria International Insurance (Arope Syria), which is one of the major players on the insurance field in Syria. BLOM Bank Group operates in 12 countries:  Lebanon, France, United Kingdom, Switzerland, Egypt, Syria, United Arab Emirates, Jordan, Romania, Cyprus, Qatar and Kingdom of Saudi Arabia.
        Address : Damascus - Harika - Bab Barid - Lawyers' Syndicate Bldg.
        Website : www.bso.com.sy, Phone number : 963-11-226-0560
2.       Bank Al-Sharq - 
        Bank Al-Sharq S.A.S affiliation to Banque Libano-Française Group constitutes one of its main key strengths as it furnishes it with deeply rooted and well established experience of the Syrian market and its associated risks together with close ties with the commercial and industrial sectors of the Syrian economy as well as with prominent Syrian businessmen.
        Address : Hafez Ibrahim Street, Shaalan Area 7732, Damascus, Syria.
        Website : www.bankalsharq.com, Phone number : 963-11-66-803-000
3.       Bank Audi Syria - 
       Early in August 2005, following the Initial Public Offering (IPO) of Bank Audi Syria sa, Syrian shareholders subscribed with the equivalent of SYP 6.177 billion, which represented a coverage of 988%, compared to the targeted amount to be raised (SYP 625 million – 25% of the Bank’s capital), making this the highest oversubscription rate ever achieved by any institution in Syria to date. The Bank launched operations in September 2005 with a capital of USD 50 million, one of the largest start-up capital ever recorded in the Syrian banking sector, opening 1 branch and a head office in Damascus. Today, Bank Audi Syria sa has a solid network of 22 branches spread across all Syrian governorates and offering a diversified portfolio of commercial and retail products, with more branches planned for the near future.
        Over the course of August 2009, the Bank first doubled its capital to USD 100 million, and then raised it again to USD 107 million following the extraordinary general assembly meeting on May 3, 2010.Another step to increase the Bank’s capital has been taken during the Extraordinary General Assembly meeting on April 5, 2011 and the Bank’s capital stands now at USD 121 million. In recognition of its accomplishments at all levels, Bank Audi Syria sa earned the “Best Emerging Market Bank - Syria” award in 2008 and 2009, under the banner of Global Finance magazine’s “Best Emerging Market Bank in the Middle East” awards.
        Bank Audi’s main goals in Syria are to develop a broad reach and expand its retail and commercial business lines with a wide range of offerings, proposing value-added services and products specially designed for the Syrian market. For this reason, Bank Audi Syria sa is keen on attracting companies from the industrial and retail sectors as part of its customer base. The Bank’s competitive advantages include its international network with offices in Lebanon, Jordan, Egypt, Saudi Arabia, Sudan, Qatar, the United Arab Emirates, France, Switzerland, Gibraltar and Monaco, as well as its advanced technology and innovative management.
        To complement its business role, Bank Audi upholds essential corporate values revolving around Quality, Human Capital, Transparency, Innovation, Heritage and Civic Role. The Bank is reputedly committed to supporting philanthropic and development efforts for the benefit of society in all the countries where it is present. In this particular case, as a private financial institution and part of a community, Bank Audi Syria sa is intent on emphasizing its civic responsibility by getting involved in a number of projects and initiatives, notably improving refugees’ conditions through several joint projects with the United Nations Relief and Works Agency (UNRWA), as well as offering full scholarship programs, renovating public squares and launching other initiatives.  
        Address : Mohafaza Bldg., Youssef Al-Azmeh Square, Damascus, Syria.
        Website : www.bankaudisyria.com, Phone number : 963-11-23-888-000
4.       Byblos Bank - 
       Founded in 2005, Byblos Bank Syria S.A. is the sixth private bank to set up operations in Syria following legislation to reform and modernize the banking sector. Byblos Bank S.A.L. owns 52.37% of Byblos Bank Syria S.A. Accordingly, the latter is consolidated with Byblos Bank S.A.L. Byblos Bank Syria S.A. provides Corporate, Commercial and Consumer Banking services. Its operations are carried out from its head office in Damascus along with a large network of branches covering the Syrian territories.
        Address :  Al Chaalan, Amine Loutfi Hafez Street, PO Box 5424, Damascus, Syria.
        Website : www.byblosbank.com/Syria, Phone number : 963-11-33-482-400
5.       Central Bank of Syria - 
        The Central Bank of Syria was established by Legislative Decree No. ( 87 ) dated 28/3/1953 which included the Basic Monetary System of Syria . The Bank started its operations on the first of August 1956, with its headquarters in the city of Damascus , and 11 branches located in the provincial capitals of Syria. The Central Bank of Syria , mindful of the need to monitor and facilitates this important and far reaching economic and social developments has embarked on implementing a new strategy that comprises of several new developmental plans aimed at updating the bank laws and regulations, modernizing current operating methods , by introducing advanced technologies, and utilizing the best computer systems in all bank functions and activities.
        Objective :
        Is to foster the stability integrity and efficiency of the nation’s financial and payment systems so as to promote optimal macro economic performance. This mission has three main elements: To formulate and conduct monetary policy toward the achievement of maximum sustainable long-term growth, price stability foster that goal; To promote a safe, sound, competitive, and accessible banking system and stable financial markets through supervision and regulation of the nation’s banking and financial systems, through its function as the lender of last resort, and through effective implementation of statutes designed to inform and protect the consumer; To foster the integrity, efficiency, and accessibility of the domestic currency payments and settlement systems, issue a uniform currency, and act as the fiscal agent and depository of the government. The overall objectives of Central Bank of Syria as an independent and credible institution are :
        - To ensure a stable national currency..
        - To ensure efficient and secure production and distribution of banknotes and coins of high quality.
        - To contribute to efficiency and stability in the payment and clearing systems and in the financial markets.
        - To act as banker to the central government.
        - To prepare reliable and relevant financial statistics.
        - To prepare and communicate credible standpoints on economic and financial issues with relation to Central    
           Bank   of Syria's objectives.
        - To maintain its financial strength by means of consolidation and risk management.
       Values :
       While safeguarding its traditions, Central Bank of Syria shall actively renew itself and adapt to trends in society and to the requirements of the surrounding world. Central Bank of Syria shall protect its credibility by not only displaying professional competence, managerial skills and sound judgement, but also by maintaining an organisation which lives up to the principles Central Bank of Syria considers to be significant to society's development: efficiency, cost awareness and readiness for change. Focusing on its primary tasks, on an ongoing basis Central Bank of Syria shall set priorities for its work.
        Central Bank of Syria shall be an attractive workplace capable of attracting, motivating and retaining well-qualified employees and offering them working conditions. Key qualifications are initiative, commitment, adaptability and a willingness and ability to cooperate across professional barriers, and with other areas of the organisation. All employees must have the necessary training and/or education to handle their tasks. It is a joint responsibility to ensure that everyone is trained and developed in preparation for new tasks. It is important to the Central Bank of Syria that all employees display professional competence, show initiative and an ability to cooperate, and can adapt to change.
        Central Bank of Syria shall be service-oriented in terms of both the external relations of line functions, and the internal relations of staff functions with the rest of the bank. Teamwork and project work within each unit and between departments is encouraged. In cooperation with the employees, managers shall set priorities for tasks, define targets and ensure the necessary responsibility sharing and communication, thereby limiting the need for detailed supervision. This gives employees the widest possible scope to define their own working methods, solve tasks and take decisions themselves to the greatest extent possible.
        Address : Syria, Damascus, Altjreda al Maghrebeh square, P.O.Box:( 2254 ).
        Website : www.banquecentrale.gov.sy, Phone number : 963-11-221-6802
6.       Cham Bank - 
        Cham Bank, private bank in the charter of a Syrian Joint stock company, Was established on the 7th of Sep 2006 With a capital of 5 Billion Syrian Pounds (100 million USD) and registered at the Commercial Register under No.14809 dated January the 24th 2007(the 5th of Muharram 1428), and registered at the Syrian Central Bank under No. 15. Cham Bank is the first Islamic bank in Syria to take the Islamic Sharia approach. The Bank s operations and activities (With Keeping customer’s names anonymous) are subject to the Central bank of Syria and the Islamic committee monitoring.
        Vision
        To become the main bank with his service on Islamic world
        Mission
        - To be the institution of choice for customers, employees, investors and suppliers
        - To be the dominant market player
        - Maintain the highest credit ratings
        - Have strong brand recognition and high brand value
        - Achieve sustainable profitable growth
        - Enhance shareholder value
        Address : P.O.Box : 33979  Damascus-Syria.
        Website : www.chambank.sy, Phone number : 963-11-33919