Top Bank in South Asia

we have made progress, (including Turkey) and low-risk banking systems in most countries in South Asia, inefficiencies, poor asset quality practices and accountability.

There are exceptions. Thailand, for example, banks in Malaysia in 1997 to avoid a repeat of the financial crisis, risk management systems outlined in recent years, the central bank, the National Bank has been busy this year, has improved groups ability.

In general, however, there is still much to do. Bank Mandiri, Indonesia initiated a research highlights the problems faced by some banks. The lawyers more than $ 110 million to one of the largest lenders in Indonesia have begun a study. Lawyers say the suspect handed the bank loans to Indonesian companies.

President Yudhoyono to eradicate tax supporters say the first sign of the campaign, while others believe that there may be political reasons behind the move. The big question: What generally affecting the industry analysis?

Klaus Felsinger foreign investors, according to the investment, the ADB official interest Market Development. "Indonesia is a favorite of many banks have been acquired by foreign players," he said. Large population, economic growth and the potential for differential attractions are attractive grounds, he said.

Another obstacle is the asset quality of banks. Philippines, for example, a recent report by Standard & Poor banking sector ", an estimated 28% of nonperforming assets (NPA), the load ratio." "The delinquency rate in recent years showed a marginal improvement."

Since suffering can prevent the sale of assets, the interest of the country four years, the first increase can make things worse, in turn, increased provisions for bad debts. The tightening of monetary policy could curb demand for credit in the country.

When debt levels are poor, have improved in the last year. Banko Sentral ng February Pilipinas, the central bank, the amount of business loans grew by 5.8% year on year to 4% in January. This growth rate was the highest since March last year.

Moreover, other countries are making progress. In Malaysia, the central bank implements liberalization measures. Recently foreign banks to open branches in the country's manufacturing industry to allow competition to be announced. It is one of the most important in the financing plan for the second phase of post initiatives.

Bank Negara Malaysia was willing to increase investment and retail banking. In March, for example, the central bank, as part of the creation of investment banks in the second half completed and announced its readiness to implement.

"Strengthening the capacity of national banking groups, contribute to economic change and globalization and liberalization is a key to strengthening efforts to meet the challenges element," Bank Negara said in a statement. "It's a financial sector development off Home tougher competitive economy is linked to the field."

Profiles

Best Banks in South Asia

Maybank (photo Datuk Amirsham A Aziz, President and CEO)

With over 400 stores nationwide and a network covering 13 countries level, Maybank Group is the largest financial services in Malaysia. Group investment banking, insurance, brokerage, and offers a range of offshore banking services.

In an effort to become a financial services group, Maybank Group has benefited from the strength of the network introduced a variety of services. This was first introduced in 1997 include transactions between banks.

In addition, free financial planning for Maybank Group to provide customers the first in Southeast Asia - Bankassurans. According to this concept, especially fund managers Maybank Mayban financial training and financial needs of clients, evaluate and recommend various branches of savings and investment.

Maybank and its online banking portal, Maybank2u.com is strengthened through the Internet. 60% of all e-commerce transactions in bank accounts in Malaysia.

Another important objective is the small and medium enterprises. The bank last year and 14% in the year ended June 30, Maybank million in business loans, commercial loan growth of $ 21,000,000,000, or one in five goals based on total bank loans .

Maybank distributors, sales and financial planning packages gas station, service management solution, online payments and packaging suppliers Islamic finance, ITplus small business financing needs, offers a number of packages.

Public Bank (Hong Kong PIOW photo, President)

Its leader and founder of the concept of "public bank" that in the general banking group in Malaysia through a variety of financial products to individuals and businesses.

Bank effectively across multiple channels, especially small and medium enterprises, consumer finance companies and retail distribution is particularly strong in the market average.

The group has recently expanded its network of 250 stores across the country are now. Group, such as Internet banking, PbeBank.com has taken steps to improve its online distribution channels; Telephone banking; ATMs and storage tanks and self-service payment.

The unit is located in the heart of the philosophy of the organization. 12,500 employees and employees generous incentives, stock options and bonuses are offered Group. The Group has more than 95,000 shareholders.

€ 16 million in capital to pay these fees to the Public Bank was founded in 1966 Hong PIOW Captain at the helm, the group, financial services, Malaysia is one of the leading suppliers. The December 31, 2003, the population of the country, $ 8,680 million is the second largest domestic banking groups.

At the same time, the market value of the bank in terms of market capitalization, $ 18.7 million, an increase of 70% from the level at the end of 2002, the General Bank MSEB fifth largest company listed on the main board society.

Akbank (photo Zafer Kurtul, CEO)

Akbank private bank in Turkey in terms of benefits and the market is very large. It retails for trade finance, private banking and offers a wide range of businesses. Investment banking, brokerage and other non-banking services are provided by subsidiary Akbank.

With over 600 offices, the bank has a network of strong and powerful services in Turkey. Akbank is one of the most complex financial institutions. Besides being a traditional distribution channel, banks, retailers and the Internet, call centers, and through the products, ATM 1400 distributed 150,000 POS terminals.

Bank has seven offices in Germany, Malta and international Akbank branch is headquartered in the Netherlands. He is 37% Sabanci Bank 39.99% interest and ak BNP-Dresdner Bank has a role. International representation has an office in Paris.

The international rating agencies Akbank to get a score above the sovereignty of Turkey is the only bank. Favorable international markets continues to use the funds in the bank. In 2003, according to the website of the bank, $ 2,538 billion in foreign loans.

December 31, 2003 market capitalization Akbank $ 6,330 million, based on the market value of the Istanbul Stock Exchange (ISE) bank is over. Only a third of the bank's shares are listed and traded ISE.