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1. Entry into Banking

               What body/agency grants commercial
1.1            banking licenses?

               Is there more than one body/agency
1.1.1          that grants licenses to banks?

               Is more than one license required (e.g.,
1.1.2          one for each banking activity, such as
               commercial banking, securities
               If more than one license is required,
1.1.3          what is the maximum number required
               for a bank to engage in the broadest
               How many commercial banks were
1.2            there at yearend 2005?

               What are the total assets of all
1.2.1          commercial banks at year-end 2005?

               What are the total deposits of all
1.2.2          commercial banks at year-end 2001?

               What are the total loans of all
1.2.3          commercial banks at year-end 2005?

               1.3 What is the minimum capital entry
1.3.1          requirement? (in US$ and/or domestic
               currency, state which)

1.3.2


1.3.3

               Is it legally required that applicants
1.4            submit information on the source of
               funds to be used as capital?
               Are the sources of funds to be used as
1.5            capital verified by the
               regulatory/supervisory authorities?
               Can the initial disbursement or
1.6            subsequent injections of capital be done
               with assets other than cash or
               Can initial disbursement of capital be
1.7            done with borrowed funds?

               1.8 Which of the following are legally
1.8.1          required to be submitted before
               issuance of the banking license?
1.8.2


1.8.3


1.8.4


1.8.5


1.8.6


1.8.7


1.8.8

         In the past five years, how many
1.9      applications for commercial banking
         licenses have been received from
         How many of those applications have
1.9.1    been denied?

         How many of those applications were
1.9.2    accepted?

         How many of those applications were
1.9.3    withdrawn?

         In the past 5 years,
1.10




         Number of applications from foreign
1.10.1   entities to enter through the acquisition
         of domestic bank?




         Number of applications from foreign
1.10.2   entities to enter through new,
         capitalized subsidiary?
                Number of applications from foreign
1.10.3          entities to enter through opening a
                branch?




                Number of applications from foreign
1.10.4          entities to enter through some other
                means?




                What were the primary reasons for
1.11.1          denial of the applications in 1.9.1 and
                1.10.1?

1.11.2


1.11.3


1.11.4


1.11.5

                1.12 Are foreign entities prohibited from
1.12.1          entering through


1.12.2


1.12.3


1.12.4

                1.12.5 If acquisitions are not prohibited,
1.12.5          what is the maximum percentage of
                total shares that is legally allowable in a

2. Owenership
             Is there a maximum percentage of bank
2.1          capital that can be owned by a single
             owner?
             If yes, what is the percentage?
2.1.1

             Can related parties own capital in a
2.2          bank?

             If yes, what are the maximum
2.2.1        percentages associated with the total
             ownership by a related party group
             Are there penalties for violating this rule?
2.2.2

             Can nonfinancial firms own shares in
2.3          commercial banks?

             Can nonfinancial firms own voting
2.3.1        shares in commercial banks?

             If any voting shares can be owned by
2.3.2        nonfinancial firms, what are the limits? 4
             categories
             What fraction of capital in the largest 10
2.4          banks (in terms of their domestic
             assets) is owned by
              Can nonbank financial firms (e.g.,
2.5          insurance companies, finance
             companies, etc.) own any voting shares
             2.6 Of commercial banks in your
2.6.1        country, what percentage of:


2.6.2

             Of all deposittaking institutions in your
2.7          country, what fraction of their assets is
             held by just commercial banks?

3. Capital

             What is the minimum capital to asset
3.1          ratio requirement?

             Is this ratio risk weighted in line with the
3.1.1        1988 Basle guidelines?

             Does the minimum ratio vary as a
3.2          function of an individual bank's credit
             risk?
             Does the minimum ratio vary as a
3.3          function of market risk?
        Does the minimum ratio vary as a
3.3.1   function of operational risk?

        Is there a simple leverage ratio that is
3.3.2   required?

        If yes, what is the leverage ratio?
3.3.3

        What is the actual risk-adjusted capital
3.4     ratio in banks as of yearend 2005, using
        the 1988 Basle Accord definitions?
        What is the actual ratio between
3.4.1   shareholders’ equity (Tier 1 regulatory
        capital) and total risk-weighted assets of
        Is subordinated debt allowable as part
3.5     of regulatory capital?

        Is subordinated debt required as part of
3.6     regulatory capital?

        What fraction of revaluation gains is
3.7     allowed as part of capital?

        What fraction of the banking system's
3.8     assets is in banks that are


3.8.1


3.8.2

        How many government owned banks
3.8.3   are there as of yearend 2005?

        How many foreign owned banks are
3.8.4   there as of yearend 2005?

        3.9 Before minimum capital adequacy is
3.9.1   determined, which of the following are
        deducted from the book value of capital?

3.9.2


3.9.3

        Are accounting practices for banks in
3.10    accordance with International
        Accounting Standards (IAS)?
        Are accounting practices for banks in
3.11    accordance with U.S. Generally
        Accepted Accounting Principles
                3.12 What fraction of the banking
3.12.1          systems’ deposits are in banks that are:


3.12.2

                3.12 What fraction of the banking
3.13.1          systems loans are in banks that are:


3.13.2


4. Activities

                What are the conditions under which
4.1             banks can engage in securities
                activities? 4 categories
                What are the conditions under which
4.2             banks can engage in insurance
                activities? 4 categories
                What are the conditions under which
4.3             banks can engage in real estate
                activities?4 categories
                Can banks own voting shares in
4.4             nonfinancial firms? 4 categories


5. External Auditing requirements

                Is an external audit a compulsory
5.1             obligation for banks?

                Are auditing practices for banks in
5.1.1           accordance with international auditing
                standards?
                Is it required by the regulators that bank
5.1.2           audits be publicly disclosed?

                Are specific requirements for the extent
5.2             or nature of the audit spelled out?

                Are auditors licensed or certified?
5.3

                Do supervisors get a copy of the
5.4             auditor's report?

                Does the supervisory agency have the
5.5             right to meet with external auditors to
                discuss their report without the approval
                Are auditors required by law to
5.6             communicate directly to the supervisory
                agency any presumed involvement of
               Are external auditors legally required to
5.6.1          report to the supervisory agency any
               other information discovered in an audit
               Can supervisors take legal action
5.7            against external auditors for negligence?

               Has legal action been taken against an
5.8            auditor in the last 5 years?


6. Internal Management/ Organizational Requirements

               Can the supervisory authority force a
6.1            bank to change its internal
               organizational structure?
               Has this power been utilized in the last
6.2            5 years?


7. Liquidity & Diversification Requirements

               Are there explicit, verifiable, and
7.1            quantifiable guidelines regarding asset
               diversification? (for example, are banks
               Are banks limited in their lending to
7.1.1          single or related borrowers?

               What is the limit?
7.1.1.a

               Are banks limited in their sectoral
7.1.2          concentration?

               Are banks required to meet
7.1.3          geographical diversification
               requirements (by region within the
               Are banks prohibited from making loans
7.2            abroad?

               Are banks required to hold either
7.3            liquidity reserves or any deposits at the
               Central Bank?
               If so, what are these requirements?
7.3.1

               Do these reserves earn any interest?
7.4

               What interest is paid on these reserves?
7.4.1

               Are banks allowed to hold reserves in
7.5            foreign denominated currencies or other
               foreign denominated instruments?
               If yes, please state the ratio
7.5.1

               Are banks required to hold reserves in
7.6            foreign denominated currencies or other
               foreign denominated instruments?
               If yes, please state the ratio
7.6.1

               What percent of the commercial
7.7            banking system’s assets is foreign-
               currency denominated?
               What percent of the commercial
7.8            banking system’s liabilities is foreign-
               currency denominated?
               What percent of the commercial
7.9            banking system’s assets is in central
               government bonds or other government
               What percent of the commercial
7.10           banking system’s assets is funded with
               deposits?
               What percent of the commercial
7.10.1         banking system’s assets is funded with
               insured deposits?

8. Depositor (Savings) Protection Schemes

               Is there an explicit deposit insurance
8.1            protection system? If no, you may skip
               to question 8.2. If yes:
               Is it funded by (check one) : the
8.1.1          government, the banks, or both ?

               Are premia collected regularly (ex ante)
8.1.2

               Do deposit insurance fees charged to
8.1.3          banks vary based on some assessment
               of risk?
               If prefunded, what is the ratio of
8.1.4          accumulated funds to total bank assets?

               8.1.5 What is the deposit insurance limit
8.1.5.1        per account (in US$ and local currency)?


8.1.5.2

               Is there a limit per person?
8.1.6

               If yes, what is that limit (in domestic
8.1.6.1        currency)?
           Is there formal coinsurance, that is, are
8.1.7      depositors explicitly insured for less
           than 100% of their deposits?
           Does the deposit insurance scheme
8.1.8      also cover foreign currency deposits?

           Are interbank deposits covered?
8.1.9

           Does the deposit insurance authority
8.1.10     make the decision to intervene a bank?

           If no, who does?
8.1.10.1

           Does the deposit insurance authority by
8.1.11     itself have the legal power to cancel or
           revoke deposit insurance for any
           As a share of total assets, what is the
8.2        value of large denominated debt
           liabilities of banks(e.g., subordinated
           As part of failure resolution, how many
8.3        banks closed or merged in the last 5
           years?
           As part of failure resolution, how many
8.3.1      banks were nationalized or recapitalized
           with official funds in the last 5 years?
           Were insured depositors wholly
8.4        compensated (to the extent of legal
           protection) the last time a bank failed?
           On average, how long does it take to
8.4.1      pay depositors in full?

           What was the longest that depositors
8.4.2      had to wait to be paid in the last 5 years?

           Were any deposits not explicitly covered
8.5        by deposit insurance at the time of the
           failure compensated when the bank
           Can the deposit insurance agency/fund
8.6        take legal action for violations against
           laws, regulations, and bylaws (of the
           Has the deposit insurance agency/fund
8.7        ever taken legal action for violations
           against laws, regulations, and bylaws
           Are nonresidents treated less favorably
8.8        than residents with respect to deposit
           insurance scheme coverage (either in
           Who manages the insurance fund? Is it
8.9        managed:
              Is participation in the deposit insurance
8.10          system compulsory for all banks?


9. Provisioning Requirements

              Is there a formal definition of a
9.1           "nonperforming loan" ?

              The primary system for loan
9.1.1         classification is based on (please pick
              one):




              9.2 After how many days is a loan in
9.2.1         arrears classified as:


9.2.2


9.2.3

              9.3 What is the minimum provisioning
9.3.1         required as loans become:


9.3.2


9.3.3

              What is the ratio of nonperforming loans
9.4           to total assets as of year-end 2005?

              If a customer has multiple loans and
9.5           one loan is classified as non-
              performing, are the other loans
              What is the aggregate net interest
9.6           margintoasset ratio for all banks as of
              year-end 2005?
              What is the aggregate overhead
9.7           coststoasset ratio for all banks as of
              yearend 2005?
              Which of the following provisions are
9.8           tax deductible:
               Specific provisions can be deducted
              What is the tax rate on domestic bank
9.9           income?

              What is the tax rate on foreign bank
9.10          income?


10. Accounting/Information Discloure Requirements

              Does accrued, though unpaid,
10.1          interest/principal enter the income
              statement while the loan is still
              Does accrued, though unpaid,
10.1.1        interest/principal enter the income
              statement while the loan is still non-
              After how many days in arrears must
10.2          interest income accrual cease?

              Are financial institutions required to
10.3          produce consolidated accounts
              covering all bank and any nonk-bank
              Are off-balance sheet items disclosed to
10.4          supervisors?

              Are off-balance sheet items disclosed to
10.4.1        the public?

              What is the total amount of off-balance
10.4.2        sheet items at yearend 2005?

              Must banks disclose their risk
10.5          management procedures to the public?

              Are bank directors legally liable if
10.6          information disclosed is erroneous or
              misleading?
              What are the penalties, if applicable?
10.6.1

              Have they been enforced in the last 5
10.6.2        years?

              If yes, how many times have penalties
10.6.3        been imposed during that period

              Do regulations require credit ratings for
10.7          commercial banks?

              How many of the top ten banks (in
10.7.1        terms of total domestic assets) are
              rated by international credit rating
              How many of the top ten banks (in
10.7.2        terms of total domestic assets) are
              rated by domestic credit rating agencies
                10.7.3 Which bank activities are rated?
10.7.3.1


10.7.3.2


10.7.3.3


11. Discipline/ Problem Institutions/ Exit

                Are there any mechanisms of cease
11.1            and desisttype orders, whose infraction
                leads to the automatic imposition of civil
                Are bank regulators/supervisors
11.1.1          required to make public formal
                enforcement actions, which include
                Can the supervisory agency order the
11.2            bank's directors or management to
                constitute provisions to cover actual or
                11.3 Can the supervisory agency
11.3.1          suspend the directors' decision to
                distribute:

11.3.2


11.3.3

                Have any such actions been taken in
11.4            the last 5 years?

                Which laws address bank insolvency?
11.5

                Is there a separate bank insolvency law?
11.5.1

                11.6 Who can legally declare---such
11.6.1          that this declaration supersedes some
                of the rights of shareholders that a

11.6.2


11.6.3


11.6.4


11.6.5
11.6.5a

            11.7 According to the Banking Law, who
11.7.1      has authority to intervene that is,
            suspend some or all ownership rights a

11.7.2


11.7.3


11.7.4


11.7.5


11.7.5a

            Does the Banking Law establish
11.8        predetermined levels of solvency
            (capital or net worth) deterioration which
            11.9 Regarding bank restructuring and
11.9.1.1    reorganization, can the supervisory
            agency or any other government agency

11.9.1.2


11.9.1.3


11.9.1.4


11.9.1.5


11.9.1.5a

            11.9.2 Remove and replace
11.9.2.1    management?


11.9.2.2


11.9.2.3


11.9.2.4
11.9.2.5


11.9.5a

            11.9.3 Remove and replace directors?
11.9.3.1


11.9.3.2


11.9.3.3


11.9.3.4


11.9.3.5


11.9.3.5a

            11.9.4 Forbear certain prudential
11.9.4.1    regulations?


11.9.4.2


11.9.4.3


11.9.4.4


11.9.4.5


11.9.4.5a

            11.9.5. Insure liabilities beyond any
11.9.5.1    explicit deposit insurance scheme?


11.9.5.2


11.9.5.3


11.9.5.4
11.9.5.5


11.9.5.5a

            During the last five years, how many
11.10.1     banks have been resolved in the
            following way, and what was the




            How many months did each of these
11.10.2     resolution techniques take on average,
            from the moment of intervention by the
            11.11 Who is responsible for appointing
11.11.1     and supervising a bank
            liquidator/receiver:

11.11.2


11.11.3


11.11.4


11.11.5


11.11.5a

            Is court approval required for
11.12       supervisory actions, such as
            superceding shareholder rights,
            Is court order required to appoint a
11.13       receiver/liquidator in the event of
            liquidation?
                  Can the bank shareholders appeal to
11.14             the court against a decision of the bank
                  supervisor?
                  If yes, how many appeals were made in
11.14.1           the past five years


12. Supervision

                  12.1 What body/agency supervises
12.1.1            banks?


12.1.2


12.1.3

                  Is there a single financial supervisory
12.1.4            agency for all of the main financial
                  institutions (insurance companies,
                  If yes, what is its name?
12.1.4.a

                  Is there a single financial supervisory
12.1.5            agency for all of the activities in which
                  commercial banks are allowed to do
                  If yes what is its name?
12.1.5.a

                  To whom are the supervisory bodies
12.2              responsible or accountable?




                  How is the head of the supervisory
12.2.1            agency (and other directors) appointed?
         Does the head of the supervisory
12.2.2   agency (and other directors) have a
         fixed term?
         If yes, how long is the term?


         Can the head of the supervisory agency
12.2.3   can be removed by:




         Is your country planning on adopting
12.3     Basel II

         If yes, which variant are you planning on
12.3.1   adopting:




         How many professional bank
12.4     supervisors are there in total?

         How many onsite examinations per
12.5     bank were performed in the last five
         years?
         What is the total budget for supervision
12.6     in local currency or dollars(please
         specify) in 2005?
         What is the source of this funding?
12.6.1

         How frequently are onsite inspections
12.7     conducted in large and medium size
         banks?
          How many of the total bank supervisors
12.8      have more than 10 years of experience
          in bank supervision?
          What is the average tenure of current
12.8.1    supervisors (i.e. what is the average
          number of years current supervisors
          If an infraction of any prudential
12.9      regulation is found in the course of
          supervision, must it be reported?
          Are there mandatory actions that the
12.9.1    supervisor must take in these cases?

          Who authorizes exceptions to such
12.9.2    actions?

          How many exceptions were granted last
12.9.3    year?

          Can individual supervisory staff be held
12.10     personally liable for damages to a bank
          caused by their actions or omissions
          Can the supervisory agency be held
12.10.1   liable for damages to a bank caused by
          its actions?
                                     Algeria            Angola        Anguilla




                                                  BANCO NACIONAL DE ANGOLA
                                                              The Ministers of Finance of each o
                                     CONSEIL DE LA MONNAIE ET DU CREDIT (CMC° //AUTORITE M


                                     No                 No            No


                                     No                 No            Yes


                                     Not Applicable Not Applicable Not Available There are separate


                                                  18               12 Not Available

                                     4251 Milliards     USD6.6BILLIO
                                                                     Not Available
                                     da                 NS

                                     2944 Milliards     USD4.5BILLIO
                                                                     Not Available
                                     da                 NS

                                                        USD1.8BILLIO
                                     1971 Milliards                  Not Available
                                                        NS
For a domestic bank                                     USD 4.0       EC$5.0m /
                                     2,5 Milliards da
                                                        MILLIONS      US$1.852m
For a subsidiary of a foreign bank                      USD 4.0       EC$5.0m /
                                     2,5 Milliards da
                                                        MILLIONS      US$1.852m
For a branch of a foreign bank                          USD 4.0       Assigned
                                     2,5 Milliards da                 capital of
                                                        MILLIONS
                                                                      EC$5.0m /

                                     Yes                No            Yes


                                     Yes                No            Yes


                                     No                 No            No


                                     No                 No            No

Draft bylaws?
                                     Yes                Yes           Yes
Intended organization chart?
                                                            Yes                 Yes     Yes

Financial projections for first three years?
                                                            Yes                 Yes     Yes

Financial information on main potential shareholders?
                                                            Yes                 Yes     Yes

Background/experience of future directors?
                                                            Yes                 Yes     Yes

Background/experience of future managers?
                                                            Yes                 Yes     Yes

Sources of funds to be disbursed in the capitalization of
new bank?                                                   Yes                 Yes     Yes

Market differentiation intended for the new bank?
                                                            Yes                 Yes     Yes


                                                                            0         6 Not Available


                                                            Not Applicable            0 Not Available


                                                            Not Applicable            6 Not Available


                                                            Not Applicable            0 Not Available

 how many applications for commercial banking licenses
have been received from foreign entities?                                   8         4 Not Available

how many of those applications have been denied?
                                                            Not Available             0 Not Available

Received
                                                                            1         1 Not Available

Denied
                                                                            0         0 Not Available

Withdrawn
                                                                            1         0 Not Available

Received
                                                                            7         3 Not Available

Denied
                                                            Not Available             0 Not Available
Withdrawn
                                Not Available                    0 Not Available

Received
                                                0                0 Not Available

Denied
                                                0                0 Not Available

Withdrawn
                                                0                0 Not Available

Received
                                                0                0 Not Available

Denied
                                                0                0 Not Available

Withdrawn
                                                0                0 Not Available

Capital amount or quality?
                                Not Available       Not Applicable Not Available

Banking skills?
                                Not Available       Not Applicable Not Available

Reputation?
                                Not Available       Not Applicable Not Available

Incomplete application?
                                Not Available       Not Applicable Not Available

Other reason(s). Please list.
                                Not Available       Not Applicable Not Available

Acquisition
                                No                  No               No

Subsidiary
                                No                  No               No

Branch
                                No                  No               No

Joint Venture
                                No                  No               No


                                                1                1                 1
                                                          Yes                 No                Yes


                                                                        0.8 Not Applicable 0.20 Approval is required for any a


                                                          Yes                 Yes               Yes


                                                                        0.8                   1 0.20 of voting rights


                                                          Yes                 Not Available     Yes


                                                          Yes                 Yes               Yes


                                                          Yes                 Yes               Yes

1.Unrestricted; Nonfinancial firm may own 100% of the
equity in a commercial bank, 2. Permitted; Nonfinancial   Prohibited          Not Available     Restricted
firm may own 100% of the equity in a commercial bank;

                                                                         0 Not Available        Not Available

1.Unrestricted; Nonbank financial firms may own 100%
of the equity in a commercial bank, 2.Permitted;          Prohibited          Not Available     Permitted
Nonbank financial firms may own 100% of the equity in a
deposits is held by the five (5) largest banks at yearend
2005?                                                                   0.9              0.84 Not Available

assets is held by the five (5) largest banks at yearend
2005?                                                                  0.91              0.81 Not Available


                                                                         1                    1 Not Available




                                                                       0.08               0.1                0.08


                                                          Yes                 Yes               Yes


                                                          Yes                 No                No


                                                          No                  No                No
                                                         No                 No                No


                                                         No                 Yes               Yes


                                                                                      5%, but is being discontinued. Only
                                                         Not Applicable LIABILITIES/EQUITY CAPITAL«15TIMES


                                                                  0.1204               0.18 Not Available


                                                                    0.11            0.1463 Not Available


                                                         Yes                Yes               Yes


                                                         No                 No                No


                                                         100% of equilty capital/tier 1. 0 Limited to 20% of tier I capital.




50% or more government owned as of yearend 2005?
                                                                      0.9           0.3146 Not Available

50% or more foreign owned as of yearend 2005?
                                                                      0.1           0.4318 Not Available


                                                                        7                   2 Not Available


                                                                      10                    6 Not Available

Market value of loan losses not realized in accounting
books?                                                   Yes                Not Available     Yes

Unrealized losses in securities portfolios?
                                                         Yes                Not Available     Yes

Unrealized foreign exchange losses?
                                                         Yes                Not Available     Yes


                                                         Yes                Yes               Yes


                                                         No                 No                No
50% or more government owned as of year-end 2005?
                                                                          0.91           0.3139 Not Available

50% or more foreign owned as of year-end 2005?
                                                                          0.09           0.4285 Not Available

50% or more government owned as of year-end 2005?
                                                                          0.92           0.3371 Not Available

50% or more foreign owned as of year-end 2005?
                                                                          0.08           0.4407 Not Available




1.Unrestricted; A full range of these activities can be
conducted in directly in banks, 2. Permitted; A full range   Unrestricted        Not Available   Unrestricted
of these activities are offered but all or some of these
1.Unrestricted; A full range of these activities can be
conducted in directly in banks, 2.Permitted; A full range    Prohibited          Prohibited      Prohibited
of these activities are offered but all or some of these
1Unrestricted;A full range of these activities can be
conducted directly in banks, 2Permitted;A full range of      Unrestricted        Prohibited      Prohibited
these activities are offered but all or some of these
1Unrestricted; A bank may own 100% of the equity in any
nonfinancial firm, 2.Permitted;A bank may own 100% of        Prohibited          Unrestricted    Permitted
the equity in a nonfinancial firm but ownership is limited




                                                             Yes                 Yes             Yes


                                                             Yes                 Yes             Yes


                                                             Yes                 Yes             Yes


                                                             Yes                 Yes             Yes


                                                             Yes                 No              Yes


                                                             Yes                 Yes             Yes


                                                             Yes                 No              Yes


                                                             Yes                 Yes             Yes
Yes              Yes              Yes


Yes              Yes              No


No               No               Not Applicable




Yes              Yes              Yes


Yes              Yes              Not Available




Not Available    No               No


Yes              Yes              Yes


                 0.30 of equity capital
0.25 of net equity                           0.25


No               No               No


No               No               No


Yes              Yes              No


Yes              Yes              Yes


               0.15 of Total Deposits monetary policy
                               6%
Variable depending on the demands of total deposit liabilities. This e


Yes              No               No


VARABLE          Not Applicable Not Applicable


No               Yes              No
                     Not Applicable Not Available         Not Applicable


                     Yes                 Yes              No


                                                  0.5 Not Applicable
                     posotion par devise et position pour l'ensemble des devises maxim


                                  0.02           0.4544 Not Available


                     Not Available               0.5498 Not Available


                     Not Available               0.2257 Not Available


                                 0.018           0.6929 Not Available


                     Not Available                    0                 0




                     Yes                 No               No


                     the banks           Not Applicable Not Applicable


                     Yes                 Not Applicable Not Applicable


                     Yes                 Not Applicable Not Applicable


                     Not Available       Not Applicable Not Applicable

US$:
                     9000 Dollars us Not Applicable Not Applicable

Domestic currency:
                     600000 DA           Not Applicable Not Applicable


                     Yes                 Not Applicable Not Applicable


                     600000 DA           Not Applicable Not Applicable
                                         Yes               Not Applicable Not Applicable


                                         No                Not Applicable Not Applicable


                                         No                Not Applicable Not Applicable


                                         No                Not Applicable Not Applicable


                                                     Not Applicable
                                         AUTORITE DE SUPERVISION Not Applicable


                                         Yes               Not Applicable Not Applicable


                                         Not Available     Not Available                   0


                                                         8 Not Available                   0


                                                         5 Not Available                   0


                                         Yes               Not Applicable Not Applicable


                                         6 months          Not Applicable Not Applicable


                                         10 months         Not Applicable Not Applicable


                                         Not Available     Not Available   Not Available


                                         Not Available     Not Applicable Not Applicable


                                         Not Available     Not Applicable Not Applicable


                                         No                Not Applicable Not Applicable

(a) solely by the private sector
                                         No                Not Applicable Not Applicable

(b) jointly by privatepublic officials
                                         Yes               Not Applicable Not Applicable
(c) solely by public sector
                                                           No                  Not Applicable Not Applicable


                                                           Yes                 Not Applicable Not Applicable




                                                           Yes                 Yes               Yes

the number of days a loan is in arrears
                                                           Yes                 Yes               Yes

a forward looking estimate of the probability of default
                                                           Yes                 No                Yes

Other
                                                           Yes                 No                Yes

Sub-standard ?
                                                                       90                   90             90

Doubtful?
                                                           90-180              90-180                     180

Loss?
                                                                      180                 180             365

Sub-standard ?
                                                                       0.3                0.25             0.1

Doubtful?
                                                                       0.5                 0.5             0.5

Loss?
                                                                           1                 1                 1


                                                                      0.37              0.0168 Not Available


                                                           Yes                 Yes               No


                                                           Not Available                 0.049 Not Available


                                                                      0.09              0.0171 Not Available


                                                                            Not Available
                                                           specific provisions are deductibleProvisions cannot be deducted
Not Available                0.35 Not Available


Not Available                0.35 Not Available




No                Yes              Yes


No                No               No


             30               90               90


No                Yes              No


Yes               Yes              Yes


Yes               Yes              No


                              EC$1,521.4m
8 08 MILLIARDSUSD 58.0 Millions


Yes               No               No


Yes               Yes              Yes


                 Not Available Fine (financial)
administrative actions and/or penaltiesnot exceeding $15,000.00 or t


Not Available     No               No


Not Available     Not Applicable Not Applicable


No                No               No


Not Available     Not Available    Not Available


Not Available     Not Available    Not Available
Bonds issuance?
                                                         Not Available   Not Available   No

Commercial paper issuance?
                                                         Not Available   Not Available   No

Other activity (e.g., issuance of bank certificates of
deposit, pension and mutual funds, insurance             Not Available   Not Available   No
companies, financial guarantees, etc.)?




                                                         Yes             No              Yes


                                                         No              No              No


                                                         Yes             Yes             Yes

Dividends?
                                                         Yes             Yes             Yes

Bonuses?
                                                         No              Yes             Yes

Management fees?
                                                         No              Yes             Yes


                                                         No              Yes             Yes


                                                                       Lei nº 13/05 das Instituições Act in existence withi
                                                                                         and credit
                                                         code of commerce; law of moneyThe BankingFinanceiras and //the C


                                                         No              No              No

Bank supervisor
                                                         Yes             No              No

Court
                                                         Yes             Yes             Yes

Deposit insurance agency
                                                         No              No              No

Bank restructuring or Asset Management Agency
                                                         No              No              No

Other (please specify)
                                                         Yes             No              No
                                                auditeurs externes (cac)

Bank supervisor
                                                Yes             Yes        No

Court
                                                Yes             No         Yes

Deposit insurance agency
                                                No              No         No

Bank restructuring or Asset Management Agency
                                                No              No         No

Other (please specify)
                                                No              No         No




                                                Yes             No         No

Bank supervisor
                                                No              Yes        Yes

Court
                                                Yes             No         Yes

Deposit insurance agency
                                                No              No         No

Bank restructuring or Asset Management Agency
                                                No              No         No

Other (please specify)
                                                No              No         No




Bank supervisor
                                                Yes             Yes        Yes

Court
                                                Yes             No         Yes

Deposit insurance agency
                                                Not Available   No         No

Bank restructuring or Asset Management Agency
                                                Not Available   No         No
Other (please specify)
                                                Yes             No              No


                                                ASSEMBLEE GENERALES DES ACTIONNAIRES OU LE CONSEI

Bank supervisor
                                                Yes             Yes             Yes

Court
                                                Yes             No              Yes

Deposit insurance agency
                                                Not Available   No              No

Bank restructuring or Asset Management Agency
                                                Not Available   No              No

Other (please specify)
                                                No              No              No


                                                AGA ET CA

Bank supervisor
                                                Yes             Yes             Yes

Court
                                                No              No              Yes

Deposit insurance agency
                                                No              No              No

Bank restructuring or Asset Management Agency
                                                No              No              No

Other (please specify)
                                                No              No              No




Bank supervisor
                                                No              Not Available   No

Court
                                                No              Not Available   No

Deposit insurance agency
                                                No              Not Available   No

Bank restructuring or Asset Management Agency
                                                No              Not Available   No
Other (please specify)
                                                            No                Not Available   No




Closure and liquidation:
Number                                                                      8 Not Available                 0

Closure and liquidation:
Percentage of banking system assets                                    0.05 Not Available                   0

Intervention (or taking control) and open bank assistance
(liquidity support):                                                        0 Not Available                 0
Number
Intervention (or taking control) and open bank assistance
(liquidity support):                                                        0 Not Available                 0
Percentage of banking system assets
Transfer of assets and liabilities (incl. purchase and
assumption) or merger and acquisition:                                      0 Not Available                 0
Number
Transfer of assets and liabilities (incl. purchase and
assumption) or merger and acquisition:                                      0 Not Available                 0
Percentage of banking system assets
Other (please specify)
                                                            Not Available     Not Available                 0


                                                                               Not are in process
                                                            all of the liquidations Available Not Applicable

Bank supervisor
                                                            Yes               No              No

Court
                                                            Yes               Yes             Yes

Deposit insurance agency
                                                            No                No              No

Bank restructuring or Asset Management Agency
                                                            No                No              No

Other (Please Specify)
                                                            No                No              Yes


                                                                                              Minister of Finance


                                                            No                No              No


                                                            Yes               Yes             Yes
                                                             Yes                 Yes             Yes


                                                                             4               0              0




The Central Bank
                                                             Yes                 Yes             Yes

A Single Bank Supervisory Agency/ Superintendency
                                                             Yes                 No              No

Multiple Bank Supervisory Agencies/Superintendencies?
                                                             No                  No              No


                                                             No                  No              No


                                                             Not Applicable Not Applicable Not Applicable


                                                             No                  Yes             No

Not Applicable
                                                             CB ET CAC                          Not
                                                                                 Central Bank(BNA) Applicable

(a) the Prime Minister
                                                             Not Available       No              No

(b) the Finance Minister or other cabinet level official
                                                             Not Available       Yes             Yes

(c) a legislative body, such as Parliament or Congress
                                                             Not Available       No              No

(d) other
                                                             Not Available       No              No

(a) the decision of the head of government (e.g.
President, Prime Minister)                                   Yes                 No              No

(b) the decision of the Finance Minister or other cabinet
level authority                                              No                  No              Yes

(c) a simple majority of a legislative body (Parliament or
Congress)                                                    No                  No              No

d) a supermajority (e.g, 60%, 75%) of a legislative body
                                                             No                  No              No
(e) other
                                                             No                  Yes             No


                                                             No                  No              Yes


                                                             Not Applicable Not Applicable 5 Years

(a) the decision of the head of government (e.g.
President, Prime Minister)                                   Yes                 No              No

(b) the decision of the Finance Minister or other cabinet
level authority                                              No                  No              Yes

(c) a simple majority of a legislative body (Parliament or
Congress)                                                    No                  No              No

(d) a supermajority (e.g, 60%, 75%) of a legislative body
                                                             No                  No              No

(e) other
                                                             No                  Yes             Yes




                                                             Yes                 Yes             No

The Standardized Approach
                                                             Yes                 Yes             Not Applicable

The Foundation IRB Approach
                                                             No                  No              Not Applicable

The Advanced IRB Approach
                                                             No                  No              Not Applicable


                                                                         60                  30 Not Available


                                                                             4               50 Not Available


                                                             Not Available       Not Available   Not Available


                                                                           N
                                                             Bank of ALGERIEot Available         Not Available


                                                             Once per year Annually              Less frequently
            16                  1 Not Available


                3               9 Not Available


No                  Yes           Yes


No                  Yes           Yes


CB                                 The minister
                    The Central Bank Governor on the recommendati


                0               0 Not Available


Yes                 No            No


Not Available       No            No
              Argentina
Antigua and Barbuda               Armenia           Australia          Austria          Bahrain




                 Finance of each The Central Bank of theARGENTINA Regulation AuthorityMonetary Agency (BMA)
                                 of DE LA REPUBLICA Repblic of Armenia
                                                Australian form Austrian Financial Market (APRA) (FMA)
                                                                the              Bahrain Authority
The Ministers of BANCO CENTRAL the eight //territories thatPrudentialEastern Caribbean //Currency Union are ultimately respo


No              No                No                No                 No               No


Yes             No                Yes               Yes                No               Yes


               Not are separate (1 general, 2 forlicencing requirements for commercial banking, securities and insurance
                                                   securities operations)                      3
Not Available There Applicable 2 regulations andNot Available 1 (full banking licence, without exceptions or restrictions) act


Not Available                71                21                 52              885               103

                $ 216.888         440,7 bln AMD     AUS                725.043 billion
Not Available                     (about 1 bln      $1,885,060                         US$167bn
                millones                                               EUR
                                  US $)             (million)
                $ 134.285         261,3 bln AMD     AUS $943,893       255.915 billion
Not Available                     (about 590                                           US$131bn
                millones                            (million)          EUR
                                  mln US $)
                $ 77.235          187,7 bln AMD     AUS
Not Available                     (about 425        $1,205,549         Not Available    US$92.4bn
                millones
                                  mln US $)         (million)
EC$5.0m /       U$S 8.3           about 10 mln      AUS $50
                                                    million in Tier    5 million EUR    BD 100mn
US$1.852m       millones          US $
                                                    1 Capital
EC$5.0m /       U$S 8.3           about 10 mln      AUS $50
                                  US $ (for high    million in Tier    5 million EUR    US$ 100mn
US$1.852m       millones
                                  rated foreign     1 Capital.
Assigned        U$S 8.3                             AUS $50            0 (under EU-
capital of                        Not Available     million in Tier                                   0
                millones                                               Passport)
EC$5.0m /                                           1 Capital.

Yes             Yes               Yes               No                 Yes              No


Yes             Yes               Yes               No                 No               Yes


No              No                No                Yes                Yes              No


No              Yes               Yes               Yes                No               No


Yes             Yes               Yes               Yes                Yes              Yes
Yes             Yes       Yes       Yes        Yes               Yes


Yes             Yes       Yes       Yes        Yes               Yes


Yes             Yes       Yes       Yes        Yes               Yes


Yes             Yes       Yes       Yes        Yes               Yes


Yes             Yes       Yes       Yes        Yes               Yes


Yes             Yes       Yes       Yes        Yes               Yes


Yes             No        Yes       No         Yes               Yes


Not Available         8         1          4             42            4


Not Available         4         0          0                 0         1


Not Available         4         1          4             42            2


Not Available         0         0          0                 0         1


Not Available         4         3         14 Not Available             21


Not Available         0         1          0 Not Available             5


Not Available         1         3          0 Not Available             1


Not Available         0         1          0 Not Available             0


Not Available         0         0          0 Not Available             0


Not Available         1         0          3 Not Available             2


Not Available         0         0          0 Not Available             0
Not Available             0                   0                0 Not Available               0


Not Available             1                   0               11 Not Available              10


Not Available             0                   0                0 Not Available               2


Not Available             0                   0                1 Not Available               1


Not Available             1                   0                0 Not Available               8


Not Available             0                   0                0 Not Available               3


Not Available             0                   0                0 Not Available               0


Not Available       Yes       Not Available       Not Applicable Not Available   No


Not Available       Yes       Not Available       Not Applicable Not Available   No


Not Available       No        Not Available       Not Applicable Not Available   Yes


Not Available       Yes       Not Available       Not Applicable Not Available   No


Not Available       No                        Not Applicable Not Available         after
                              Banks did not apply for registration during 1 //yearNo receiving preliminary approval.


No                  No        No                  No             No              No


No                  No        No                  No             No              No


No                  No        No                  No             No              No


No                  No        Yes                 No             No              No


                1                           1.0 of shares can be owned by an                1
                          1 1.0 (0.10 and more is subject to prior approval) 1 offshore parent. However, approval proces
Yes                 No                  No                  Yes                 No                 No


                 required for any additional amount.         Not however, Not Applicable
0.20 Approval is Not Applicable Not Applicable 0.15 The Treasurer,Applicablemay approve a higher percentage of ownershi


Yes                 Yes                 Yes                 Yes                 Yes                Yes


                  Not
0.20 of voting rights Available                         0.15 The Treasurer,             may approve a higher percentage of ownershi
                                        1.0 (0.10 and more is subject to prior however, 1              1


Yes                 No                  Yes                 Yes                 No                 No


Yes                 Yes                 Yes                 Yes                 Yes                Yes


Yes                 Yes                 Yes                 Yes                 Yes                Yes


Restricted          Permitted           Permitted           Restricted          Permitted          Permitted


Not Available       Not Available                    0.12 Not Available         Not Available                     0


Permitted           Permitted           Permitted           Restricted          Permitted          Permitted


Not Available                   0.546           0.6230               0.767 Not Available                       0.322


Not Available                    0.55               0.551            0.737 Not Available                       0.374


Not Available                   0.991                   1                0.97 Not Available                     0.99




             0.08                0.08                0.12                0.08               0.08                0.12


Yes                 Yes                 Yes                 Yes                 Yes                Yes


No                  Yes                 Yes                 Yes                 No                 No


No                  Yes                 No                  Not Available       No                 No
No               No                 No                Not Available       No              No


Yes              No                 No                No                  No              Yes


                 discontinued. Not Applicable Not Applicable have this requirement.
5%, but is being Not ApplicableOnly two ECCU territories currently Not Applicable 5% for retail banks, 10% for wholesale bank


Not Available             0.1523            0.3370             0.113             0.145            0.23


Not Available               0.105            0.317             0.076             0.098          0.1784


Yes              Yes                No                Yes                 Yes             Yes


No               No                 No                No                  No              No


Limited to 20% of tier I capital. 0 max 0.50 of tier 1           0.45 Not Available               0.45




Not Available               0.419                 0                   0         0.0001            0.01


Not Available               0.255            0.487             0.152             0.194            0.85


Not Available                  13                 0                   0               1             2


Not Available                  12                 9               39               50              52


Yes              No                 No                Not Available       Yes             Yes


Yes              No                 No                Yes                 Yes             Yes


Yes              No                 No                Yes                 Yes             Yes


Yes              No                 Yes               Yes                 Yes             Yes


No               No                 No                No                  No              No
Not Available            0.445                  0                   0                  0                0.01


Not Available            0.209            0.511                 0.144 Not Available                       0.8


Not Available           0.3109                  0                   0                  0                0.01


Not Available           0.2637            0.413                 0.102 Not Available                       0.9




Unrestricted    Unrestricted     Unrestricted       Permitted           Unrestricted       Unrestricted


Prohibited      Restricted       Prohibited         Restricted          Restricted         Restricted


Prohibited      Prohibited       Restricted         Restricted          Unrestricted       Prohibited


Permitted       Restricted       Unrestricted       Permitted           Permitted          Permitted




Yes             Yes              Yes                Yes                 Yes                Yes


Yes             Yes              Yes                Yes                 Yes                Yes


Yes             Yes              Yes                Yes                 No                 Yes


Yes             Yes              Yes                Yes                 Yes                Yes


Yes             Yes              Yes                Yes                 Yes                Yes


Yes             Yes              Yes                Yes                 Yes                Yes


Yes             Yes              Yes                Yes                 Yes                Yes


Yes             No               Yes                No                  Yes                Yes
Yes              No               Yes               Yes              Yes               Yes


No               Yes              Yes               Yes              Yes               Yes


Not Applicable Yes                No                No               No                No




Yes              No               Yes               Yes              Yes               Yes


Not Available    Not Applicable Yes                 No               Yes               Yes




No               Yes              No                No               Yes               No


Yes              Yes              Yes               Yes              Yes               Yes


           0.25 0.15, 0.25                         0.20, related 0.10 of 0.05      funds regulatory capital
                                  single borrowersNot Available borrower their own0.15 of (capital adequacy)


No               No               No                No               No                No


No               No               No                No               No                No


No               No               No                No               No                No


Yes              No               Yes               No               Yes               Yes


                Not Applicable                  0.08 Not by licenced 0.02 of the shortterm of eligibleand deposit liabilities must ba
                                                                                      0.05 liabilities requirement is calculated al
6% of total deposit liabilities. This excludes //deposits Applicable deposit taking institutions. //ThisBD debt //securities; 0% of be


No               Yes              Yes               No               Yes               No


Not Applicable 0.026 now, determined daily        0 Not Applicable Not Available       Not Applicable


No               Yes              Yes               Not Available    Yes               No
                                   assets)          obtained in foreign currency
Not Applicable 0.3 of (liabilities 0.08 of deposits Not Available Not Available      Not Applicable


No                  Yes            Yes              No              No               No


Not Applicable                                    obtained in foreign currency
                             0.3 0.08 of deposits Not Applicable Not Applicable Not Applicable


Not Available              0.177            0.525            0.039 Not Available     Over 0.90


Not Available              0.167            0.668            0.031 Not Available     Over 0.80


Not Available              0.413            0.134 Not Available     Not Available    gov exposure only collected


Not Available              0.619            0.593             0.41 Not Available                 0.783


                0           0.39             0.07                 0 Not Available    Not Available




No                  Yes            Yes              No              Yes              Yes


Not Applicable the banks           the government Not Applicable the banks           the banks


Not Applicable Yes                 Yes              Not Applicable No                No


Not Applicable Yes                 Yes              Not Applicable No                No


Not Applicable            0.0054 Not Available      Not Applicable Not Applicable Not Applicable


Not Applicable U$S 10,000          about 2300 US $Not Applicable            25,500            39787


Not Applicable            30,000 about 4500 US $Not Applicable 20,000 EUR            BD15,000


Not Applicable Yes                 Yes              Not Applicable Yes               Yes


Not Applicable             30000 about 6800 US $Not Applicable 20,000 EUR            BD15,000
Not Applicable No                     No               Not Applicable No              Yes


Not Applicable Yes                    Yes              Not Applicable Yes             Yes


Not Applicable No                     No               Not Applicable No              No


Not Applicable No                     No               Not Applicable Yes             No


                               The Central  Not the Republic of Financial The deposit insurance scheme is triggered b
Not Applicable Central Bank of Argentina Bank of Applicable the Armenia Market Supervising Authority, //because the dep


Not Applicable No                     No               Not Applicable No              No


                0 Not Available                                    Not Available
                                              0.5230 APRA does not collect this data. US$949mn


                0                                              0               revoked
                              15 In period of 2001-2003 13 banks licences were 4                      0


                0                 0                0                   0          0                   1


Not Applicable Yes                    No               Not Applicable. Yes            Not Applicable


                               Not                                            Not
Not Applicable 12 consecutive days Applicable Not Applicable. up to three months Available


Not Applicable 9 months                                                              Not
                                      Not Applicable Not Applicable. up to three months Available


Not Available       Yes               Yes              Not Available       No         Not Available


Not Applicable Yes                    No               Not Applicable. No             Yes


Not Applicable Yes                    No               Not Applicable. No             No


Not Applicable No                     No               Not Applicable. No             No


Not Applicable Yes                    No               Not Applicable. Yes            No


Not Applicable No                     Yes              Not Applicable. No             Yes
Not Applicable No                   No            Not Applicable. No              No


Not Applicable Yes                  Yes           Not Applicable. Yes             No




Yes                 Yes             Yes           Yes              No             Yes


Yes                 Yes             Yes           No               No             Yes


Yes                 No              No            Yes              No             No


Yes                 Yes             No            No               Yes            No


            90                 90           90 Not Applicable Not Applicable                  90


           180              180            180 Not Applicable Not Applicable discretion


           365              360            270 Not Applicable Not Applicable discretion


            0.1 0.12 to 0.25                0.2 Not Applicable. Not Applicable                0.5


            0.5 0.25 to 0.50                0.5 Not Applicable. Not Applicable discretion


                1              1             1 Not Applicable. Not Applicable discretion


Not Available             0.0542           0.02           0.0022 Not Available          0.0105


No                  Yes             Yes           No               No             Yes


Not Available             0.0422          0.051            0.018         0.0098 Not Available


Not Available             0.0435          0.062            0.019         0.0139             0.339


               Provisions are Specific provisions can be deducted Available Specific provisions can be deducted
                                                                 Not
Provisions cannot be deducted not tax deductible General provisions can be deducted
Not Available               0.35              0.1               0.3 0.25 plus local taxes           0


Not Available               0.35              0.1               0.3 0.25 plus local taxes           0




Yes               Yes              Yes              Yes               Yes                 Yes


No                No               No               Yes               Not Available       No


             90                                   90-180            not nonperforming               90
                              90 Starting the day the load is classified stipulated in the Austrian Banking Act (under civil law)


No                Yes              Yes              Yes               Yes                 Yes


Yes               Yes              Yes              Yes               Yes                 Yes


No                Yes              Yes              Yes               No                  Yes


EC$1,521.4m                       77,8         AUS $7,728,266.15 million
                                                               1,506.0        not
                  $ 418.328 millones bln AMD (about 176,8 mln US $)) billion EUR collected


No                No               No               Yes               No                  Yes


Yes               Yes              Yes              Yes               Yes                 Yes


                Art. 41 of the Law Nº 21.526 (called offinancialnot exceeding on//waiver1309registrationoffence (making false //m
                                 Cease/desist orders, a term Act 2001: fines, fine, damage both penaltiesdirector(for Board st
                                                  Corporations penalties/ Ss two years or to //criminal charges) imprisonment
                                                                     preparation, the disqualification for of caused inaccurate
                                                                                    and the that //such fine and
Fine not exceeding $15,000.00 or to imprisonment //for attention, //depending 1308 Administrative has been for basic//(under crim


No                Yes              Yes              No                Yes                 No


Not Applicable Not Available                       Not Applicable Not executives)
                                   1165 (including penalties imposed onAvailable once


No                Yes              No               No                No                  No


Not Available                 10                0               10                    7            10


Not Available                  0                0                 0                   0             0
No             Yes             No              Yes            Yes             Yes


No             No              No              Yes            Yes             No


No             Yes             No              No             Yes             Yes




Yes            No              Yes             No             No              Yes


No             No              Yes             No             No              No


Yes            Yes             Yes             Yes            No              Yes


Yes            Yes             Yes             Yes            Yes             Yes


Yes            Yes             No              Yes            No              No


Yes            Yes             No              Yes            No              No


Yes            Yes             No              No             Not Available   Yes


                in existence within eachBunkruptcy of Bankslaw, Financial commerce law No 23 of 1973
                                 Law on //particular territory Act Creditand the Corporations Act //2001
                                                   bankruptcy      1959 Institutions
                                                                                   BMA Law
The Banking Act Financial Entities law, Entry law, The BankingandBankwesengesetz (BWG; Austrian Banking Act //ABA), Artic


No             No              Yes             No             No              No


No             Yes             Yes             Yes            No              Yes


Yes            Yes             No              Yes            Yes             Yes


No             No              No              No             No              No


No             No              No              No             No              No


No             No              No              No             No              No
                                        APRA supervisor, can apply on his judgement, can adopt to be wound up //t
      When an entity is insolvent, the bankingor a creditor dependingfor a corporation (i.e. a bank) different measure


No    Yes             Yes              Yes              Yes              Yes


Yes   Yes             Yes              No               Yes              Yes


No    No              No               No               No               No


No    No              No               No               No               No


No    Yes             No               No               No               No


      The Central Bank makes the decision to intervenet banks, and the decision is implemented by the judicial sys


No    No              Yes              Yes              Yes              No


Yes   Yes             Yes              Yes              Yes              Yes


Yes   Yes             No               No               Yes              Yes


No    No              No               No               No               Yes


No    No              No               No               No               No


No    No              No               No               No               No


                                       From t ecomic rights.
      You can only supercede political rights,a prudential perspective, s 70 B of the Banking Act 1959 overrides the /


Yes   No              Yes              Yes              Yes              Yes


Yes   Yes             No               No               No               Yes


No    No              No               No               No               No


No    No              No               No               No               No
          No           No          No        No              No              No


CTIONNAIRES OU LE CONSEIL D'ADMINISTRATION   From a prudential perspective, s 70 B of the Banking Act 1959 overrides the /


          Yes          No          Yes       Yes             Yes             Yes


          Yes          Yes         No        No              No              Yes


          No           No          No        No              No              No


          No           No          No        No              No              No


          No           No          No        No              No              No


                                             From a prudential perspective, s 70 B of the Banking Act 1959 overrides the /


          Yes          Yes         Yes       Yes             Yes             Yes


          Yes          No          No        No              No              No


          No           No          No        No              No              No


          No           No          No        No              No              No


          No           No          No        No              No              No




          No           No          Yes       No              No              No


          No           No          No        No              No              No


          No           No          No        No              No              Yes


          No           No          No        No              No              No
No                No                No                  No                  Yes                 No


                                                                            private sector institutions on a voluntary basis


              0             15                  13                      0                   0                   0


              0 Not Available       Not Available                       0                   0                   0


              0                 0                   1                   0                   0                   1


              0                 0 Not Available                         0                   0             0.001


              0             15                      1                   0                   0                   0


              0 Not Available       Not Available                       0                   0                   0


              0 Not Available       Not Available       Not Available       Not Available       Not Available


                               6 months
Not Applicable see the Not Available                    Not Applicable. Not Available           ongoing


No                No                No                  Yes                 No                  Yes


Yes               Yes               Yes                 No                  Yes                 Yes


No                No                No                  No                  No                  No


No                No                No                  No                  No                  No


Yes               No                No                  No                  No                  No


Minister of Finance


No                No                No                  No                  No                  No


Yes               Yes               Yes                 No                  Not Available       No
Yes              Yes          Yes             No             Yes             Yes


             0             70 Not Available                  0 shareholders can appeal through to Federal Court for Jud
                                                                                           0
                                              0. However, bank (appeals could only be addressed thethe Administrative Cou




Yes              Yes          Yes             No             Yes             No


No               Yes          No              Yes            Yes             No


No               No           No              No             No              No


No               No           Yes             Yes            Yes             Yes


                                             Australian Prudential
                                                               of Armenia    Bahrain (APRA)
Not Applicable Not Applicable The Central Bank of the RepublicFMA Regulation AuthorityMonetary Agency


No               Yes          Yes             No             Yes             Yes


                                         Not the Republic of Armenia
Not Applicable SEFyC BCRA The Central Bank of Applicable FMA                 BMA


No               No           No              No             No              Yes


Yes              No           No              Yes            Yes             Yes


No               No           Yes             No             Yes             Yes


No               Yes          No              No             No              No


No               No           No              Yes            Yes             Yes


Yes              No           No              No             No              No


No               No           Yes             No             No              No


No               No           No              No             No              No
No              Yes              No               No             No              No


Yes             Yes              Yes              Yes            Yes             No


5 Years         Not Available                      years         first term: 3 years, Board Members
                                                                                   Not Applicable
                                 6 years the head5of the supervisory agency, 5 year once renewable: 5 years, maximum of 8 y


No              No               No               Yes            No              Yes


Yes             No               No               No             Yes             No


No              No               Yes              No             No              No


No              No               No               No             No              No


Yes             Yes              No               No             No              No




No              Yes              Yes              Yes            Yes             Yes


Not Applicable Not Available     Yes              Yes            Yes             Yes


Not Applicable Not Available     Yes              Yes            Yes             Yes


Not Applicable Not Available     No               Yes            Yes             No


Not Available   Not Available                34              248 Not Available                 61


Not Available              130               10              4.5 Not Available   183 since Jan 02


Not Available   Not Available                   (about 133000 US Available
                                                               N
                                 55,842,950 AMDAUS $86.1 million ot$)            Not Available


Not Available                   Central bank's budget is funded Austrian governmentcollected andacashrate of 3.5 million //inst
                budget of the central bank      APRA                             License fees from supervised financial EUR
                                                                primarily from levies contributes flat ratio deposit interest


Less frequently annually         Annually         Annually       Every two years Annually
Not Available   Not Available                                Not Available
                                           6 Information is Not Available.               14


Not Available               10            5.5            5.9 Not Available               4.5


Yes             Yes              Yes            Yes          Not Available   Yes


Yes             Yes              Yes            No           Not Available   Yes


                Not Available Board the Central of the
                                               APRA           Bank of Armenia
The minister on the recommendation of or ChairmanBank CentralNot Available Executive Director or above


Not Available   Not Available             79 Not Applicable Not Available    not known


No              Yes              No             No           No              No


No              Yes              Yes            No           No              No
Bangladesh        Belarus          Belgium            Belize         Benin           Bhutan




           National    the Republic of Belarus Bank of The Finance (CBFA) after consultation with the BCEAO and
                                       Central         Commission Ministry, Monetary Authority of Bhutan(RMA)
BANGLADESH BANK Bank ofBanking, Finance and Insurance Belize          Royal


No                No               No                 No             No              No


Yes               Yes              No                 Yes            No              Yes


                             4 Not Applicable                 Dealing)
2( One for General Banking and the other for Foreign Exchange1 Not Applicable                        2


             48               30                104                5 Not Available                   2

BDT 2036.30                                           BZE
                  Br 20519,8 Bln 1.369,3MM€                          Not Available   Nu.22.09 billion
billion                                               $1,691,678,000

BDT 1625.45                                           BZE
                  Br 10404,1 Bln 622,1MM€                            Not Available   Nu.18.68 billion
billion                                               $1,306,457,000

BDT 1292.59                                           BZE                            Nu.7,010.17
                  Br 13426,8 Bln 591,3MM€                            Not Available
billion                                               $1,254,652,000                 million

BDT 1.00                                              BZE $3 million
                  EUR 5 Mln        6.200.000€         & $50 million  1 md FCFA       Nu.2.22 million
billion
                                                      worldwide
                                                      BZE $3 million
Not Available     EUR 5 Mln        6.200.000€         & $50 million  1 md FCFA       Not Available
                                                      worldwide
BDT 1.00                                              BZE $3 million
                  Not Available    6.200.000€         & $50 million  Not Available   Not Available
billion
                                                      worldwide

Yes               Yes              Yes                Yes            Yes             Yes


Yes               Yes              Yes                Yes            Yes             Yes


No                Yes              Yes                Yes            Yes             No


No                No               No                 No             No              No


Yes               Yes              Yes                Yes            Yes             Yes
No                Yes             Yes        Yes         Yes             Yes


Yes               Yes             Yes        Yes         Yes             Yes


Yes               Yes             Yes        Yes         Yes             Yes


Yes               Yes             Yes        Yes         Yes             Yes


Yes               Yes             Yes        Yes         Yes             Yes


Yes               Yes             Yes        Yes         Yes             Yes


No                Yes             Yes        Yes         Yes             Yes


            59 Not Available            5              0 Not Available                   2


Not Available     Not Available         0 Not Applicable Not Available   Not Available


Not Available     Not Available         5 Not Applicable Not Available   Not Available


Not Available     Not Available         0 Not Applicable Not Available   Not Available


                0 Not Available         33             2 Not Available                   0


                0 Not Available         0              0 Not Available   Not Available


                0 Not Available         18             0 Not Available                   1


                0 Not Available         0              0 Not Available   Not Available


                0 Not Available         0              0 Not Available   Not Available


                0 Not Available         3              1 Not Available   Not Available


                0 Not Available         0              0 Not Available   Not Available
                0 Not Available                      0              0 Not Available     Not Available


                0                   0               12              0 Not Available     Not Available


                0                   0                0              0 Not Available     Not Available


                0                   0                0              0 Not Available     Not Available


                0                   0                0              1 Not Available     Not Available


                0                   0                0              0 Not Available     Not Available


                0                   0                0              0 Not Available     Not Available


Not Available       Not Available       Not Applicable Not Applicable Not Available     Not Available


Not Available       Not Available       Not Applicable Not Applicable Not Available     Not Available


Not Available       Not Available       Not Applicable Not Applicable Not Available     Not Available


Not Available       Not Available       Not Applicable Not Applicable Not Available     Not Available


Not Available       Not Available       Not Applicable Not Applicable Not Available     they are being looked into.


No                  No                  No               No             No              Not Available


No                  No                  No               No             No              Not Available


No                  Yes                 No               No             Yes             No


No                  No                  No               No             No              No


                1                   1                1              1                 1 Not Available
Yes                 No                  No                   No                  No                 Yes


              0.1 Not Applicable Not Applicable Not Applicable Not Applicable 0.2 of the issued share capital


Yes                 Yes                 Yes                  Yes                 Yes                Yes


              0.1                   1                   1                    1                 1                 0.25


Yes                 No                  Not relevant         Not Available       No                 Yes


Yes                 Yes                 Yes                  Yes                 Yes                Yes


Yes                 Yes                 Yes                  Yes                 Yes                Yes


Restricted          Unrestricted        Unrestricted         Permitted           Permitted          Restricted


Not Available       Not Available                      0.9               0.3 Not Available          only 2 banks


Prohibited          Unrestricted        Unrestricted         Permitted           Permitted          Restricted


        0.4591               0.908                                    Not
                                                 0.887 100%, 5 banks only Available                 only 2 banks


        0.4646               0.836                                    Not
                                                 0.913 100%, 5 banks only Available                 only 2 banks


                                    1                   1            0.8225 Not Available                   0.9987




                                              0.08               0.09
             0.09 .08 (for subsequent years);.12 (for first two years);                      0.08                0.08


Yes                 Yes                 Yes                  Yes                 Yes                Yes


No                  No                  No                   Yes                 No                 Yes


No                  No                  No                   No                  No                 No
No               No             No              No           No              No


No               No             Yes             No           No              Yes

                              this ratio is
Not Applicable Not Applicable based on third Not Applicable Not Applicable            0.0921
                              party funds

        0.0711          0.267         0.1151          0.1792 Not Available            0.1772


        0.0602          0.187         0.0848          0.1696 Not Available            0.1627


Yes              Yes            Yes             Yes          Yes             Yes


Yes              No             No              No           No              No


           0.5                                Limit 2 25% of capped to 100 % of Tier 1. 0.25 probably tier 2 are counted
                                                                  might be complementary capital
                        0.701 These are part of Tier to which istier 1 capital




        0.4684          0.752               0              0 Not Available            0.6739


        0.0929          0.162            0.21         0.4666 Not Available   Not Available


             9              5               1              0 Not Available                   1


             9             18             73               3 Not Available   Not Available


No               No             No              No           Yes             No


No               Yes            No              No           Yes             No


No               Yes            No              No           Yes             Yes


Yes              No             No              Yes          Yes             No


Yes              No             No              Yes          No              No
        0.4531                  0.869                  0                 0 Not Available               0.662


             0.07               0.071                0.24            0.486 Not Available   Not Available


             0.44               0.791                  0                 0 Not Available           0.5247


             0.06               0.143                0.21           0.4374 Not Available   Not Available




Unrestricted        Restricted          Unrestricted        Prohibited     Restricted      Permitted


Prohibited          Prohibited          Restricted          Restricted     Restricted      Prohibited


Prohibited          Unrestricted        Unrestricted        Prohibited     Permitted       Restricted


Prohibited          Permitted           Permitted           Restricted     Restricted      Restricted




Yes                 Yes                 Yes                 Yes            Yes             Yes


Yes                 Yes                 Yes                 Yes            Yes             No


Yes                 Yes                 Yes                 Yes            No              Yes


Yes                 Yes                 Yes                 Yes            Yes             No


Yes                 Yes                 Yes                 Yes            Yes             Yes


Yes                 Yes                 Yes                 Yes            Yes             Yes


Yes                 Yes                 Yes                 Yes            Yes             Yes


Yes                 No                  Yes                 Yes            Yes             No
Yes              No               Yes              Yes              Yes              No


Yes              No               Yes              Yes              Yes              No


Yes              No               No               No               Not Available    No




No               Yes              Yes              Yes              Yes              No


Not Applicable Yes                Yes              No               Not Available    No




Yes              No               Yes              No               Yes              Yes


Yes              Yes              Yes              Yes              Yes              Yes


                           0.25 Maximum limit of 25% capital
                                                  .25 of of consolidtedof equity
                                                                   .75 own funds 35% the bank's total Capital where funded
For any single person or enterprise or group , banks should finance not exceeding 30% of capital fund


No               No               No               No               No               No


No               No               No               No               No               No


Yes              No               No               Yes              No               Yes


Yes              Yes              Yes              Yes              Yes              Yes


                 0.05 from contributions phisical persons//0.08regulatory frameworkCashby the central bank in the in place but
                                  The supervisor did not put a average deposit liabilitiesreserve ratio
                                                                    Minimum         //of
0.05 of the bank's total demand & time //liabilities.9%percent offrom other determined quantitative liquidity ratios country (the tr


No               No               Yes              No               No               Not Available


                                            Not Applicable Not refinancing //operations (close to ST money
Not Applicable Not Applicable Remuneration depends on the rate ofApplicable 1.5% on 13% of deposit liablites market rate


Yes              Yes              No               Yes              No               No
Not Available                        Not                          Not Applicable Not Applicable
                   It is not determined Applicable 22% of average depositor funds and includes local and foreign


Not Available      No               No                 No               No                No


Not Available      Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


0.01 as on 31122005        0.3718               0.31           0.0834 Not Available            0.1364


Not Applicable              0.371                0.3           0.1729 Not Available                0


            0.09            0.098               0.14           0.0302 Not Available             0.069


        0.8414              0.448               0.37           0.7723 Not Available             0.846


        0.5718 Not Available        Not Available                   0                 0            0




Yes                Yes              Yes                No               No                No


the banks          both             the banks          Not Applicable Not Applicable Not Applicable


Yes                Yes              Yes                Not Applicable Not Applicable Not Applicable


No                 No               Yes                Not Applicable Not Applicable Not Applicable


Not Available               0.002          0.00065 Not Applicable Not Applicable Not Applicable


Not Available                1000 The limit of 20.000€ is per person and not per account.
                                                   Not Applicable Not Applicable Not Applicable


Not Available      Equivalent USD The limit of 20.000€ is per person and not per account.
                                  1000             Not Applicable Not Applicable Not Applicable


Yes                Yes              Yes                Not Applicable Not Applicable Not Applicable


                              1000
BDT 0.1million Equivalent USD 20000 Euro               Not Applicable Not Applicable Not Applicable
No               No                No                  Not Applicable Not Applicable Not Applicable


No               Yes               Yes                 Not Applicable Not Applicable Not Applicable


No               No                No                  Not Applicable Not Applicable Not Applicable


Yes              No                No                  Not Applicable Not Applicable Not Applicable


              A                 The court     Not Applicable Not
Bangladesh Bank uthority of supervision (bankruptcy) or the CBFA Applicable Not Applicable


Yes              No                No                  Not Applicable Not Applicable Not Applicable


             0 Not Available       Not Available                       0 Not Available           0.0385


             0                 6                   0                   0 Not Available                   0


             0                 1                   0                   0 Not Available                   0


No               Yes               Yes                 Not Applicable Not Applicable Not Applicable


Not Applicable Not Available       > 1 year            Not Available     Not Applicable Not Applicable


Not Applicable Not Available       Not Available       Not Available     Not Applicable Not Applicable


No               Yes               No                  Not Available     Not Available   Not Available


Yes              No                Yes                 Not Applicable Not Applicable Not Applicable


No               No                Yes                 Not Applicable Not Applicable Not Applicable


No               No                No                  Not Applicable Not Applicable Not Applicable


No               No                No                  Not Applicable Not Applicable Not Applicable


No               No                Yes                 Not Applicable Not Applicable Not Applicable
Yes               Yes            No                 Not Applicable Not Applicable Not Applicable


Yes               Yes            Yes                Not Applicable Not Applicable Not Applicable




Yes               Yes            Yes                Yes              Yes               Yes


Yes               Yes                                Yes             Yes               Yes
                                 It is a criteria usually used by banks in their internal classification.


No                No             Yes                No               No                No


Yes               Yes                             Yes              No              in
                                 Other criteria may be taken into account by banksNo their internal classification.


Past due for 6 months or beyond Such classification is based on bank’s internal criteriato 360 Demand Loans. Defaulted insta
                upto 90                                       90 30 case unpaid balance
                                                                                    90
                                but less than or equal to 9 months infor theof Continuous and


                                but less than or equal to 12 on bank’s internal Continuous and
                90 to or beyond Such classification is based months inon theof criteria to 720 Demand Loans. Defaulted inst
Past due for 9 months180                                                           360
                                                             180 180 case entire loan


                           180 The Continuous and Demand Loans. Defaulted installments is greater than 18 months or bey
                                                             365 not specified               720
Past due for 12 months or beyond for accounting regulatory framework does not provide for a specific compulsory number of .


            0.2                                                  based
                            0.3 No minimum requirement but it isoptionalon the bank’s prudent judgment
                                              100% for unsecured portion                    0.2


            0.5                                              for                loan for which 0.5 is no recovery certainty ba
                            0.5 There must be a provisioning0.5 the part of the 1              there


              1                                               1                  loan for which there is no recovery certainty ba
                              1 There must be a provisioning for the part of the 1                1


         0.086           0.013              0.009           0.0526 Not Available                 0.0209


No                No             No                 No               Yes               Yes


         0.022           0.157            0.0092            0.0157 Not Available                  0.024


        0.0397           0.145            0.0135            0.0128 Not Available       Not Available


                 General provisions
                                 Specific provisions
                                                  Provisions cannot be
                                                                 specific provisions are deductible
Specific provisions can be deductedcan be deductedcan be deducted deducted General provisions can be deducted
           0.45             0.3            0.3399            0.15 Not Available                0.3


           0.45             0.3            0.3399            0.15 Not Available   Not Available




Yes               No               Yes              Yes           Yes             Yes


No                No               No               No            No              No


            90               30                90                                               90
                                                              90 not specified, but accrued interest has to be offset by equival


Yes               Yes              Yes              Yes           Yes             Yes


Yes               Yes              Yes              Yes           Yes             Yes


Yes               Yes              Yes              No            Yes             No


BDT 571.56 billion 48 030,7 Bln 31.459.617 M € BZE $158,776 Not Available
                Br                                                                Nu. 1,162.91 million


Yes               No               No               No            No              No


No                Yes              Yes              Yes           Yes             Yes


                                              Not Available
Not Applicable upto Br 3,1 Mln General penalcode sanctions                        Fine of Nu. 500 per day to imprisonment
                                                                  1 month to 1 year of imprisionment, and 110 millions Francs


No                Yes              No               No            No              No


Not Applicable Not Available       Not Applicable Not Applicable Not Applicable Not Applicable


Yes               No               No               No            No              No


                               4
To be effective from January, 2007.             5 Not Available   Not Available   Not Available


              0                0                0 Not Available   Not Available   Not Available
Yes            No              Yes             Not Available   No              Not Available


No             No              Yes             Not Available   No              Not Available


No             No              No              Not Available   No              Not Available




Yes            Yes             No              Yes             No              Yes


Yes            No              No              No              No              No


Yes            Yes             Yes             Yes             Yes             Yes


Yes            No              Yes             Yes             Yes             No


Yes            No              Yes             Yes                              Available
                                                               Not AvailableNotNo


Yes            No              Yes             Yes             Yes             No


Yes            No              No              Yes             Yes             No


                Economic Insolvencyof 17Bankruptcyon and Financial(concordat //judiciaire).//Law oflaw Belize bankruptcies
Insolvency Act 1997.                          Banks composition banking law Act//Chap 263 Laws of
                               Law and July 1997 Law                            Bankruptcy Act
                                                              the Institutions and the company 8 August on


No             No              Yes             No              No              No


No             No              No              Yes             No              No


Yes            Yes             Yes             No              No              Yes


No             No              No              No              No              No


No             No              No              No              No              No


No             Yes             No              No              Yes             No
                                Owner
orporation (i.e. a bank) to be wound up //through the court.                     The relevant minister in the Finance Ministry, after consultati


              Yes             Yes              No               Yes              No               Yes


              No              Yes              Yes              No               No               No


              No              No               No               No               No               No


              No              No               No               No               No               No


              No              No               No               No               Yes              No


                                                                                the appointed who select overseers from a list proposed by
ecision is implemented by the judicial system, by the commercial branch of the judicial system,minister of finance after consultation with the b


              No              Yes              No               Yes              No               Yes


              Yes             No               No               Yes              No               Yes


              No              No               Yes              Yes              No               No


              No              No               No               No               No               No


              No              No               No               No               No               No


              No              No               No               No               Yes              No


                                                                             Act relevant minister the power to act //without a consultati
B of the Banking Act 1959 overrides the //Corporations Act 2001. The Banking The1959 gives APRA in the Finance Ministry, aftercourts app


              Yes             Yes              Yes              Yes              Yes              No


              No              Yes              Yes              Yes              No               No


              No              No               No               No               No               No


              No              No               No               No               No               No
             No              No               No              No               Yes             No


                                                                                             it is usually done by the royal govt. of Bhutan
B of the Banking Act 1959 overrides the //Corporations Act 2001. The Banking Act 1959 gives APRA the power to act //without a courts app


             Yes             Yes              Yes             Yes              Yes             No


             No              Yes              Yes             Yes              No              No


             No              No               No              No               No              No


             No              Yes              No              No               No              No


             No              No               No              No               No              No


                                                                                             usually done by to act //without a owned ban
B of the Banking Act 1959 overrides the //Corporations Act 2001. The Banking Act 1959 gives APRA the power the RGOB(Govt. courts app


             Yes             Yes              No              Yes              Yes             Yes


             No              No               No              No               No              No


             No              No               No              No               No              No


             No              No               No              No               No              No


             No              No               No              No               Yes             No


                                                                               The counsel of ministers of the UMOA region


             No              No               No              No               Not Available   No


             No              No               No              No               Not Available   No


             No              No               No              No               Not Available   No


             No              No               No              No               Not Available   No
             No                  No                  No                  No                Not Available   No


tions on a voluntary basis                                                                 Not Available


                             0                   5                   0                   0 Not Available   Not Available


                             0 Not Available                         0                   0 Not Available   Not Available


             Not Available       Not Available                       0                   0 Not Available   Not Available


             Not Available       Not Available                       0                   0 Not Available   Not Available


             Not Available                       1                   0                   0 Not Available   Not Available


             Not Available       Not Available                       0                   0 Not Available   Not Available


             Not Available       Not Available       Not Available       Not Available     Not Available                   0


                             0 Not Available         Not Available       Not Available     Not Available   Not Available


             Yes                 Yes                 No                  Yes               No              No


             No                  Yes                 Yes                 No                No              No


             No                  No                  No                  No                No              No


             No                  No                  No                  No                No              No


             No                  No                  No                  No                Yes             No


                                 Owner                                                     the appointed minister of finance


             No                  No                  No                  No                No              No


             No                  Yes                 No                  No                No              No
Yes              Yes            Yes            Yes           No             Yes


             0              1              0               0 Not Applicable Not Available




Yes              Yes            No             Yes           No             Yes


No               No             Yes            No            Yes            Yes


No               No             No             No            No             No


No               No             Yes            No            No             Yes


              N                              Not Applicable Commission (CBFA)
Bangladesh Bank ot Applicable Banking, Finance and Insurance Not Applicable Royal Monetary Authority of Bhutan (RMA)


Yes              No             Yes            Yes           Yes            No


              N                              Not Available Commission (CBFA) of the Monetary Union of West Africa
                                                                           Not
Bangladesh Bank ot Applicable Banking, Finance and Insurance banking commissionApplicable


No               No             No             No            No             No


No               No             Yes            Yes           No             Yes


Yes              No             No             No            No             No


No               Yes            No             No            Yes            Yes


Yes              Yes            No             Yes           No             Yes


No               No             Yes            No            No             No


No               Yes            No             No            No             No


No               No             No             No            No             No
No                No                  No              No             Yes              No


Yes               Yes                 Yes             Yes            Yes              No


4 Years           5 years             6 years         3years                         the Applicable
                                                                     The governor of Not BCEAO presides over the Banking Com


Yes               Yes                 No              Yes            No               Not Available


No                No                  No              No             No               Not Available


No                No                  No              No             No               Not Available


No                No                  No              No             No               Not Available


No                No                  No              No             No               Not Available




Yes               Yes                 Yes             No             Not Available    No


Yes               Yes                 Yes             Not Applicable Not Available    Not Applicable


No                No                  Yes             Not Applicable Not Available    Not Applicable


No                No                  Yes             Not Applicable Not Available    Not Applicable


            350              129                 60               11 Not Available                14


              5                   3              4                17 Not Available                    5


No specific allocation is made.
                 Not Available        58,6 M €        BZE $972,306 Not Available      Not Available


                National        the Republic the supervised entities
                                                 Funded          Not Available Not Available
Central Bank's own fund. Bank ofContributions of Belarus by operations of the Central Bank// sources of income are income fro


Annually          Every two years Annually            Every two years every 2 years   Annually
Not Available                 49 50 % of the totalNot Available      Not Available               2


Not Available     Not Available               10                   6 Not Available               5


Yes               Yes             Yes              Yes               Yes             Yes


Yes               Yes             No               Yes               Yes             No


              B                Not Available
Bangladesh Bank oard of National Bank              Not Available                    Governor
                                                                     the banking commission of central bank


                0 Not Available   Not Available                    0 Not Available   few


Yes               No              No               No                No              No


Yes               Yes             Yes              No                No              Yes
Bolivia                         Botswana
                  Bosnia and Herzegovina                   Brazil                            Bulgaria
                                                                            British Virgin Islands




               The of Banks and Financial Institutions
                             BANK the Federation of
                                               The Central Bank of Financial Services CommissionBank
                                                              BVI Herzegovina (FBA) National
The SuperintendencyBanking Agency ofOF BOTSWANA Bosnia //andBrazil             Bulgarian


No                No                  No                   No               No                No


No                Yes                 No                   No               Yes               No


                               banking                                       are
Not Applicable only commercial Not Applicable Not Applicable Various licencesNo required under the relevant legislation fo


             13                  24                    6             161                  5               28

USD 3968.3                                                 R$                                 31 095
                  5,7 bill USD        P18.5 billion        1,543,096,877,   US$1.47 Billion
millones                                                                                      062thous.BGN
                                                           000.00
USD 2851.5                                                 R$                               23 760
                  4,2 bill USD        P14 billion          740,333,850,29   US$1.24 Billion 493thousandB
millones
                                                           7.00                             GN
USD 2594.8                                                 R$                               17 320
                  3,2 bill USD        P9.3 bn              408,313,397,76   US$.58 Billion 692thousandB
millones
                                                           2.00                             GN
DEGs 5.5                                                   R$               For General
                  9,1 mill USD        P5 million                            Bank Licence: 10 million BNG
millones                                                   17,500,000.00
                                                                            US$2 Million;
                                                           R$
Not Available     9,1 mill USD        P5 million                         Not Available        10 million BNG
                                                           17,500,000.00

DEGs 5.5                              branch               R$
                  9,1 mill USD        banking is not                     Not Available                     0
millones                                                   17,500,000.00
                                      allowed

Yes               Yes                 Yes                  Yes              Yes               Yes


Yes               Yes                 Yes                  Yes              Yes               Yes


No                Yes                 No                   No               No                No


No                Yes                 No                   Yes              No                No


Yes               Yes                 Yes                  Yes              Yes               Yes
Yes                 Yes            Yes               Yes       Yes            Yes


Yes                 Yes            Yes               Yes       Yes            Yes


Yes                 Yes            Yes               Yes       Yes            Yes


Yes                 Yes            Yes               Yes       Yes            Yes


Yes                 Yes            Yes               Yes       Yes            Yes


Yes                 Yes            Yes               Yes       Yes            Yes


Yes                 Yes            Yes               Yes       Yes            Yes


                1              0                 2         4              0              0


                0 Not Applicable Not Available             0 Not Applicable Not Applicable


                1 Not Applicable Not Available             4 Not Applicable Not Applicable


                0 Not Applicable                 0         0 Not Applicable Not Applicable


                0              2                 4         4              2              9


                0              0                 0         0              0              0


Not Available                  8                 0         0              0              8


                0              2                 0         0              0              0


Not Available                  1                 0         0              0              0


Not Available                  0                 2         4              0              0


                0              0                 0         0              0              0
Not Available                 0               0               0           0               0


Not Available                 0               0               0           2               1


                0             0               0               0           0               0


Not Available                 0               0               0           0               0


Not Available                 0               2               0           0               0


                0             0               0               0           0               0


Not Available                 0               2               0           0               0


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Law on Banksin general//1.the central bank


No                  No            No              No              No          No


No                  No            No              No              No          No


No                  No            Yes             No              No          No


No                  No            No              No              No          No


                             1 as there are at least           1
It can be more than 99% as longpolicy is being drafted5 shareholders.     1               1
No                  No                  No                  No                  No                 No


              Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable
minimum 5 shareholders


Yes                 Yes                 Yes                 Yes                 Yes                Yes


They do not exist                  1                   1                                                   1
                                                                            1 Shares of nonbank corporations with wholly owned subsidiar


No                  No                  No                  Not Available       Yes                No


Yes                 Yes                 Yes                 Yes                 Yes                Yes


Yes                 Yes                 Yes                 Yes                 Yes                Yes


Prohibited          Permitted           Prohibited          Permitted           Permitted          Permitted


         0.784 Not Available                     0.886 Not Available                         0.1                0.4


Prohibited          Permitted           Prohibited          Permitted           Permitted          Permitted


             0.75               0.772            0.984                                                    0.54
                                                                        0.038 Not Available, since at yearend 2005 there were five (5) com


         0.708                  0.739            0.985                                                    0.54
                                                                        0.118 Not Available, since at yearend 2005, there were five (5) com


         0.707                     1             0.938                  0.847           39146                    1




              0.1                0.12                0.15                0.11               0.08               0.12


Yes                 Yes                 Yes                 Yes                 Yes                Yes


No                  Yes                 No                  No                  No                 No


No                  No                  No                  Yes                 No                 No
No                  No                  No             No            No             No


No                  No                  No             No            No             No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


        0.1465               0.176             0.199         0.176         0.1697         0.1533


        0.1384               0.133             0.148         0.143         0.1697         0.1253


Yes                 Yes                 Yes            Yes           Yes            Yes


No                  No                  No             No            No             Yes


Not Available       Not Available                0.5          0.25             1 100% real estate,100% debt instruments, 45




         0.067               0.051            0.0955         0.452             0           0.003


           0.33              0.884            0.9045         0.199             1            0.73


                1                   7             3            16              0              1


                6               11                6            48              5             17


Not Available       Yes                 Yes            No            No             Yes


Not Available       Yes                 Yes            No            No             Yes


Not Available       Yes                 Yes            No            No             Yes


No                  Yes                 Yes            Yes           Yes            Yes


No                  No                  No             Yes           Yes            No
            0.065               0.031               0.026               0.465                0           0.0001


             0.33               0.899               0.974               0.201                1                0.72


             0.07               0.047               0.132                0.45                0           0.0042


            0.297               0.894               0.868                 0.2                1                0.78




Restricted          Permitted           Prohibited          Permitted           Prohibited       Unrestricted


Permitted           Permitted           Permitted           Permitted           Prohibited       Restricted


Prohibited          Prohibited          Prohibited          Restricted          Prohibited       Restricted


Prohibited          Restricted          Unrestricted        Permitted           Restricted       Restricted




Yes                 Yes                 Yes                 Yes                 Yes              Yes


Yes                 Yes                 Yes                 Yes                 Yes              Yes


Yes                 Yes                 Yes                 Yes                 No               Yes


Yes                 Yes                 Yes                 Yes                 No               Yes


Yes                 Yes                 Yes                 Yes                 Yes              Yes


Yes                 Yes                 Yes                 No                  Yes              Yes


Yes                 Yes                 Yes                 Yes                 Yes              Yes


Yes                 Yes                 Yes                 Yes                 No               Yes
Yes             Yes              Yes            Yes             No               Yes


Yes             No               No             Yes             No               Yes


No              No               No             Yes             No               No




No              No               Yes            Yes             Yes              Yes


No              No               No             Yes             No               No




No              No               No             No              No               Yes


Yes             Yes              Yes            Yes             Yes              Yes


5%, 20%, 30% 25% + 15% cashcollateral                           25%
                                            0.3 25% of capital base of capital              0.25


No              No               No             No              No               No


No              No               No             No              No               No


No              No               No             No              No               No


Yes             Yes              Yes            Yes             Yes              Yes


               15% of the ammount of on the currency liabilities deposits//30% ofminimum reserves requiredreserve thethe BV
                              5% of customer 60% of              less foreign //currency depositsinvestment deposit //to total
                                                                                   Advances an are kept as 8 % of //require
2% in cash, 1012% in bonds, dependingdeposits deposit demand Banks are required to makeon Export Contracts//15% of time


Yes             Yes              No             Yes             Yes              No


the rate by a fund RAL    0.01                                Interest paid on NotExport determined by the //Commission
                                                                               on Applicable
                                              0 Demand deposits and Advances reserves isContracts //are not remunerated;


Yes             No               Yes            Yes             No               Yes
               in Applicable
2% in casn 12%Notbonds                                            Not base
                                               0.3 Up to 30% of capital Applicable no limit,special reserve account in Euro


Yes              No                No               No              No                  No


               in Applicable Not Applicable Not Applicable Not Applicable Not Applicable
2% in casn 12%Notbonds


         0.776             0.606           0.1354               0.1 Not Available              0.534


         0.816             0.577           0.1294              0.11 Not Available              0.558


         0.053                 0             0.56                                               government bonds or securities.
                                                               0.21 Not Available: there are no0.082


         0.725             0.732           0.0955             0.442 Not Available              0.673


             0 Not Available                    0          0.0004                   0           0.62




No               Yes               No               Yes             No                  Yes


Not Applicable the banks           Not Applicable the banks         Not Applicable the banks


Not Applicable Yes                 Not Applicable Yes               Not Applicable Yes


Not Applicable No                  Not Applicable No                Not Applicable No


Not Applicable Not Available       Not Applicable          0.0062 Not Applicable                0.01


Not Applicable Not Applicable Not Applicable              9095.04 Not Applicable 16 234 USD


Not Applicable Not Applicable Not Applicable R$ 20,000.00           Not Applicable 25 000 BGN


Not Applicable Yes                 Not Applicable Yes               Not Applicable Yes


Not Applicable 7.500 BAM           Not Applicable R$ 20,000.00      Not Applicable 25 000 USD
Not Applicable No                       Not Applicable No                 Not Applicable No


Not Applicable Yes                      Not Applicable No                 Not Applicable Yes


Not Applicable Yes                      Not Applicable No                 Not Applicable No


Not Applicable No                       Not Applicable No                 Not Applicable No


Not Applicable FBA                                                    Not Brazil
                                        Not Applicable The Central Bank of Applicable Bulgarian National Bank and Court


Not Applicable Yes                      Not Applicable No                 Not Applicable No


         0.014 Not Available            Not Available                 0 Not Available               0.27


                0                   8                   0             9                   0           1


                0 Not Available                         0             0                   0           1


Not Applicable Not Available            Not Applicable Yes                Not Applicable Yes


Not Available       Not Available       Not Available       30 days       Not Applicable 2 years


                0 Not Available         Not Available       30 days       Not Applicable 2 years


Not Available       Yes                 Not Available       No            Not Available       Yes


Not Applicable Yes                      Not Applicable No                 Not Applicable No


Not Applicable No                       Not Applicable No                 Not Applicable No


Not Applicable No                       Not Applicable No                 Not Applicable No


Not Applicable No                       Not Applicable No                 Not Applicable No


Not Applicable No                       Not Applicable Yes                Not Applicable Yes
Not Applicable Yes                Not Applicable No                  Not Applicable No


Not Applicable Yes                Not Applicable Yes                 Not Applicable Yes




Yes               Yes             Yes              Yes               No               Yes


No                Yes             Yes              Yes               Yes              Yes


No                Yes             No               Yes               No               No


Yes               Yes             No               No                No               Yes


                 90 to 179     60 to 90
In microcredit and consumer credit from 30 to 60 30 to 60            Not Available    60-90


                 180 to 269    90 to 180
In microcredit and consumer credit from 60 to 90 60 to 180           Not Available                 90


In microcredit and consumer270 90
                            credit                              Not Available In Ordinance
                                            180 60, 180, 360 (depending on the type of credit) 9 on the evaluation and classif


            0.2 0.16 to 0.4                  0.2               0.2 Not Available      not less than 50%,for phisicalpersons not les


            0.5 0.41 to 0.6                  0.5               0.5 Not Available      not less than 100 %. Min. provisioning is 100


              1               1               1                 1 Not Available                     1


         0.074 3% without E writenoff    0.0238             0.0133           0.0255           0.0122


No                Yes             Yes              No                No               Yes


         0.048            0.036          0.0638              0.036           0.0124           0.0469


         0.038            0.038          0.0424              0.042            0.006           0.0386


                Specific deducted
                                Specific provisions
                                                 Specific provisions Available Specific provisions can be deducted
                                                                  Not
Specific reserves can beprovisions can be deductedcan be deductedcan be deducted
           0.25               0.3             0.25                                               zero
                                                                 0.15 Not Available since BVI has0.15 tax regime on income.


           0.25               0.3             0.25                                               zero
                                                                 0.15 Not Available since BVI has0.15 tax regime on income.




Yes               Yes               Yes                Yes            Not Available   Yes


No                No                No                 No             Not Available   No


            30                90              180                  60 Not Available               90


Yes               No                Yes                Yes            Yes             Yes


Yes               Yes               Yes                Yes            Yes             Yes


Yes               No                No                 Yes            No              Yes


Not Available     1,4 billion BAM P686.6 million                      Not Available
                                                       The total amount is Not Available4 064 305 BGN


No                No                Yes                No             No              No


Yes               Yes               Yes                Yes            Yes             Yes


                Not Available A suspension, depending on the If information disclosed 32 of //years) to apply bank's directo
                                               Warning; imprisonmentof the offense
                                                                 gravity as imprisonment the the Banking Act.
                                                                                  Not specific penalties
From a written notice to temporaryP15000 fine and 5 yearsfines; suspension; per //Sectionto (26 Supervisory //Authority (BVIFS


Yes               Not Available     No                 Yes            No              No


Not Available     Not Available     Not Applicable Innumerable        Not Applicable Not Applicable


Yes               No                No                 No             No              No

                                                                      All five (5)
            10 Not Available                   10                  10 banks in the                 6
                                                                      BVI are rated

            10 Not Available                       0               10 Not Available                0
Yes             Not Available   No            Yes            Not Available   Yes


Yes             Not Available   No            Yes            Not Available   No


No              Not Available   No            Yes            Not Available   No




No              Yes             Yes           Yes            No              No


No              No              No            No             No              No


Yes             Yes             Yes           Yes            Yes             Yes


Yes             Yes             No            Yes            Yes             Yes


Yes             Yes             No            Yes            Yes             No


Yes             Yes             No            Yes            Yes             No


Not Available   Yes             No            Yes            No              Yes


               Bancos on Banks Banking Act(CAP 46:04, Companies Ley No.Act, 2003 //Insolvency Act(CAP 42:02)
                                              Law no. 6,024 and Act(CAP Act Law on Bank //Law no. 9,447
                                                               Insolvency 42:01),
                                                                                no.
Ley No. 1488 deThe Law y Entidades Financieras, //modificada por laExecutive2297. 2,321/87;Bankruptcy, Law on Banks


No              No              No            No             No              Yes


Yes             Yes             No            Yes            No              No


No              No              Yes           No             Yes             Yes


No              No              No            No             No              No


No              No              No            No             No              No


No              No              No            No             No              No
er in the Finance Ministry, after consultation with the banking commission


              Yes             Yes              No               Yes          Yes   Yes


              No              No               Yes              No           Yes   No


              No              No               No               No           No    No


              No              No               No               No           No    No


              No              No               No               No           No    No


ter of finance after consultation with the banking commission


              Yes             Yes              Yes              No           No    Yes


              No              Yes              No               Yes          No    Yes


              No              No               Yes              No           Yes   No


              No              No               No               No           No    No


              No              No               No               No           No    No


              No              No               No               No           No    No


er in the Finance Ministry, after consultation with the banking commission


              Yes             Yes              No               Yes          Yes   Yes


              No              No               Yes              No           Yes   No


              No              No               No               No           No    No


              No              No               No               No           No    No
            No              Yes             No              No               No              No


                             Supervisory Board of a Bank (Board of or the //shareholders (Pvt. Banks.
usually done by the royal govt. of Bhutan(RGOB) (Govt. oned banks)Directors)


            Yes             Yes             No              Yes              Yes             Yes


            No              No              Yes             No               Yes             No


            No              No              No              No               No              No


            No              No              No              No               No              No


            No              Yes             No              No               No              No


                            owned banks) or the shareholders (private banks)
ally done by the RGOB(Govt. The Assembly of a Bank


            No              No              No              Yes              Yes             No


            No              No              No              No               Yes             No


            No              No              No              No               No              No


            No              No              No              No               No              No


            No              No              No              No               No              No


sters of the UMOA region


            Not Available   No              Not Available   Yes              No              No


            Not Available   No              Not Available   No               No              No


            Not Available   No              Not Available   No               No              No


            Not Available   No              Not Available   No               No              No
                 Not Available       No                  Not Available       No                  No                  No


                 Not Available                           Not Available


                                 0                   6                   0                   9                   1                   0


                                 0 Not Available                         0 Not Available                         0                   0


                                 0 0.09 (Provisional Adm.)               1                   1                   0                   0


                                 0 Not Available                    0.03 Not Available                           0                   0


                                 0                   1                   1                   0                   1                   0


                                 0 Not Available                     3.5                     0                   0                   0


                 Not Available       Not Available       Not Available       Not Available       Not Available       Not Available


                 Not Available       2 years                              respectively    resolution occur simultaneously
                                                         3 and 5 months, Intervention and Not Available it depends


                 Yes                 Yes                 Yes                 Yes                 Yes                 No


                 No                  No                  Yes                 No                  Yes                 Yes


                 No                  No                  No                  No                  No                  Yes


                 No                  No                  No                  No                  No                  No


                 No                  No                  No                  No                  No                  No


ter of finance


                 No                  No                  Yes                 No                  No                  No


                 No                  No                  Yes                 No                  Yes                 Yes
No               Yes            Yes          Yes             Yes           No


Not Applicable              6              0 Not Available               0 Not Applicable




No               No             Yes          Yes             No            Yes


Yes              Yes            No           No              Yes           No


No               No             No           No              No            No


No               Yes            No           No              Yes           No


                              Not Applicable Not Applicable BVI Financial Services Commission
Not Applicable Insurance Superv. Agency                                     Not Applicable


Yes              No             Yes          No              Yes           No


               Not Applicable Bank of Botswana (Central Bank)
Superintendence of Banks                                                    Not Applicable
                                             Not Applicable BVI Financial Services Commission


No               No             No           No              No            No


Yes              No             Yes          No              No            No


Yes              Yes            No           Yes             No            Yes


No               No             No           No              Yes           No


Yes              No             Yes          Yes             No            No


No               No             No           No              No            No


No               Yes            No           No              No            Yes


Yes              No             No           No              No            No
No             No               No                  No              Yes             No


Yes            Yes              Yes                 No              No              Yes


6 years        5 years          5 years             Not Applicable Not Applicable 6 years


No             No               Yes                 Yes             No              No


No             No               No                  No              No              No


No             Yes              No                  No              No              Yes


Yes            No               No                  No              No              No


No             No               No                  No              Yes             No




Yes            Yes              Yes                 Yes             Yes             Yes


Yes            Yes                               Internal consultations are onging.
                                Not yet decided. Yes              Yes             Yes


Yes            No               Not Available       Yes             No              Yes


No             No               Not Available       Yes             No              Yes


            82 19 onsite + 6 offsite         38              1311               7                94


             5 full scope 3; Targeted 4         3                                               3
                                                                 2 1 *Onsite examinations began in 2004.


               5
USD 5.6 millones million BAM    P1 040 600.00 R$ 4,481,449.00US$13 Million          the total budget for supervision is included in


                banks         Bank          The           100%           Not budget constitutes 9.5% of total revenue
Quotas from theFees paid by Banks of Botswana National Treasury revenue; FSC Available


annually       Annually         Every two years Every two years Annually            Every two years
50% of the total                  9              6 Not Available       Not Available             40


             10               6.5                5             21                      5           7


Not Available      Yes                Yes            Yes               Yes                 Yes


Yes                Yes                Yes            Yes               No                  Yes


not exceptions Not Available          Governor       No one                           The Head of Bank Supervision
                                                                       The Licensing and Supervisory Committee


                0 Not Available                  0                 0                   0           0


Yes                No                 Yes            No                No                  No


Yes                No                 No             Yes               No                  No
Burkina Faso Burundi            Cameroon         Canada                         Central African Republic
                                                                   Cayman Islands




               La Banque Centrale/finance ministry, afterof the Banking the banking commission
                                 the the central bank
                                                   Minister consulting
                                                                   Cayman Islands the
                                                                                   Monetary Authority
The Finance Ministry, after consultation with the BCEAO andFinance with Commision finance ministry, after consulting with the


No              No              No               No                No             No


No              No              No               Yes               Yes            No


                                                              No limits       Not Applicable
Not Applicable Not Applicable Not Applicable Note that if a bank opts to engage in insurance and/or securities activities it w


Not Available                 8 Not Available                                301 Not
                                                 20 domestic; 27 foreign; 23 branchesAvailable


Not Available   366872 MBIF     Not Available         1976124566    1.24447E+12 XAF 3 763 M


Not Available   219224 MBIF     Not Available         1326098541    1.09394E+12 XAF 2 913 M


Not Available   165376 MBIF     Not Available         1114159071    4.69554E+11 XAF 1 860 M


1 md FCFA       2.500 MBIF      XAF 1 000 M      $5M CND                  500000 XAF 1 000 M


1 md FCFA       2.500 MBIF      XAF 1 000 M      $5M CND                  500000 XAF 1 000 M

                                                 $5M CND for
-               2.500 MBIF      XAF 1 000 M      full service                  0 XAF 1 000 M
                                                 branches and

Yes             Yes             Yes              Yes               No             Yes


Yes             Yes             No               Yes               Yes            No


Yes             Yes             Yes              Yes               No             Yes


No              Yes             Yes              No                No             Yes


Yes             Yes             Yes              Yes               Yes            Yes
Yes             Yes     Yes             Yes        Yes         Yes


Yes             Yes     Yes             Yes        Yes         Yes


Yes             Yes     Yes             Yes        Yes         Yes


Yes             Yes     Yes             Yes        Yes         Yes


Yes             Yes     Yes             Yes        Yes         Yes


Yes             Yes     Yes             Yes        No          Yes


Yes             Yes     Yes             Yes        Yes         Yes


Not Available         2 Not Available         8              0 Not Available


Not Available         0 Not Available         0 Not Applicable Not Available


Not Available         2 Not Available         5 Not Applicable Not Available


Not Available         0 Not Available         3 Not Applicable Not Available


Not Available         0 Not Available         31            40 Not Available


Not Available         0 Not Available         0              1 Not Available


Not Available         0 Not Available         0              0 Not Available


Not Available         0 Not Available         0              0 Not Available


Not Available         0 Not Available         0              0 Not Available


Not Available         0 Not Available         6              7 Not Available


Not Available         0 Not Available         0              0 Not Available
Not Available                     0 Not Available                  0               0 Not Available


Not Available                     0 Not Available                  9             33 Not Available


Not Available                     0 Not Available                  0               1 Not Available


Not Available                     0 Not Available                  0               0 Not Available


Not Available                     0 Not Available                 16               0 Not Available


Not Available                     0 Not Available                  0               0 Not Available


Not Available                     0 Not Available                  0               0 Not Available


Not Available     Not Applicable Not Available       Not Applicable Yes              Not Available


Not Available     Not Applicable Not Available       Not Applicable Yes              Not Available


Not Available     Not Applicable Not Available       Not Applicable Yes              Not Available


Not Available     Not Applicable Not Available       Not Applicable No               Not Available


Not Available     Not Applicable Not Available                      No               Not Available
                                                     The reason there are not recorded denials above //is because we have interp


No                No                No               No                No            No


No                No                No               No                No            No


Yes               No                No               No                No            No


No                No                No               No                No            No


                1 indeterminate                                                                    1
                                                    1 10% of Schedule I Bank; 100%1of Schedule II Bank
No                  Yes                No                Yes               No              No


                                   to Applicable 10% of Schedule I bank (schedule I banks are widely held domestic banks); 1
                                                                    Not Available Not Applicable
Not Applicable 0.2. It is possibleNotgo beyond this limit with an authorization.


Yes                 Yes                Yes               Yes               Yes             Yes


                1                0.2                                                  1              1
                                                       1 1(except that ownership beyond 10% must be approved by the Minister of Fin


No                  Yes                No                Not Available     Not Available   No


Yes                 Yes                Yes               Yes               Yes             Yes


Yes                 Yes                Yes               Yes               Yes             Yes


Permitted           Restricted         Prohibited        Restricted        Unrestricted    Prohibited


Not Available               0.3269 Not Available         Not Available                     are wholly owned branches of international
                                                                           10 largest banksNot Available


Permitted           Restricted         Unrestricted      Restricted        Unrestricted    Unrestricted


Not Available                0.857 Not Available                   0.867            0.477 Not Available


Not Available                0.845 Not Available                   0.874              0.42 Not Available


Not Available       We don’t have deposit institutions. Available
                                   Not Available Not                       Not Available   Not Available




            0.08                 0.1                                     10% to 15% depending on is 7% and for total capital is 10%
                                                                                                      0.08
                                                    0.08 8%, by end of 1999, rrequirement for Tier 1 the risk classification of the bank


Yes                 Yes                Yes               Yes               Yes             Yes


No                  No                 No                No                Yes             No


No                  No                 No                No                No              No
No              No                No              No                No                No


No              No                Not Available   Yes               No                Not Available


Not Applicable Not Applicable Not Available                       Not Applicable Not 20 times
                                                  Assets to Capital Ratio no more than Available


Not Available   Not Available     Not Available           0.1292           0.30196 Not Available


Not Available             0.048 Not Available             0.1019            0.2787 Not Available


Yes             No                Yes             Yes               Yes               Yes


No              No                No              No                No                No


                            1                1                capital up to the 0
might be complementary capital probably tier 2 are counted in 0                 amount of tier 1 1in other words, sub debt in ex




Not Available             0.068 Not Available                   0                   0 Not Available


Not Available             0.057 Not Available              0.072               0.98 Not Available


Not Available                   0 Not Available                 0                   0 Not Available


Not Available                   1 Not Available                49              296 Not Available


Yes             Yes               No              No                Not Available     No


Yes             Yes               No              No                Yes               No


Yes             Yes               No              No                Yes               No


Yes             No                No              No                Yes               No


No              No                Not Available   No                Yes               Not Available
Not Available            0.068 Not Available   Not Available                   0 Not Available


Not Available            0.057 Not Available   Not Available                0.99 Not Available


Not Available            0.068 Not Available   Not Available                   0 Not Available


Not Available            0.068 Not Available   Not Available                0.99 Not Available




Restricted      Unrestricted   Unrestricted    Permitted       Unrestricted      Unrestricted


Restricted      Prohibited     Prohibited      Permitted       Restricted        Prohibited


Permitted       Prohibited     Prohibited      Permitted       Restricted        Prohibited


Restricted      Restricted     Permitted       Permitted       Unrestricted      Permitted




Yes             Yes            Yes             Yes             Yes               Yes


Yes             Yes            Yes             No              Yes               Yes


No              Yes            No              No              No                No


Yes             Yes            Yes             No              No                Yes


Yes             Yes            Yes             Yes             Yes               Yes


Yes             Yes            Yes             Yes             Yes               Yes


Yes             Yes            Yes             Yes             Yes               Yes


Yes             Yes            Yes             Yes             Not Available     Yes
Yes              Yes             Yes              Yes              Not Available   Yes


Yes              No              No               No               No              No


Not Available    No              Not Applicable No                 No              Not Applicable




Yes              No              No               No               Yes             No


Not Available    Not Applicable Not Applicable Not Applicable No                   Not Applicable




Yes              Yes             Yes              Yes              Not Available   Yes


Yes              Yes             Yes              Yes              Yes             Yes


75% of equity                     the bank        Max. of 25% of total capital 0.25 45% of net capital
                 20% of equity of 45% of net capital


No               Yes             No               No               No              No


No               No              No               No               No              No


No               No              No               No               No              No


Yes              Yes             Yes              No               No              Yes


                          central on sight depositsApplicable term Applicable BCEAO) as a function of 3% of term deposi
                                              Not and 3% of Not deposits
Minimum determined by the0.07 5%bank in the country (the regional branch of the 5% on sight deposits and monetary policy


No               Yes             Yes              Not Available    Not Available   Yes


Not Applicable              0.04 Not Available    Not Available    Not Available   Not Available


No               Yes             No               Yes              Yes             No
Not Applicable             0.1 Not Applicable Not Available        Not Available       Not Applicable


No                  No           No              No                No                  No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Not Available            0.171 Not Available                0.35                   1 Not Available


Not Available            0.159 Not Available              0.377                    1 Not Available


Not Available            0.004 Not Available              0.067               0.01 Not Available


Not Available            0.651 Not Available              0.671               0.87 Not Available


                0            0                 0 Not Available                     0                 0




No                  No           No              Yes               No                  No


Not Applicable Not Applicable Not Applicable the banks             Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Yes                   Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Yes                   Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Not Available         Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Not Available         Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable $100,000 CND Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Yes                   Not Applicable Not Applicable


                                                            Not Applicable Not (principle
Not Applicable Not Applicable Not Applicable The max basic coverage is $100,000 Applicableplus interest). However, sepe
Not Applicable Not Applicable Not Applicable No                     Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable No                     Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Yes                    Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Yes                    Not Applicable Not Applicable


                                                             Not insurer would work very //closely with other financial sec
Not Applicable Not Applicable Not Applicable Note that the depositApplicable Not Applicable


Not Applicable Not Applicable Not Applicable Yes                    Not Applicable Not Applicable


Not Available   Not Available     Not Available   Not Available     Not Available   Not Available


Not Available                   1 Not Available                   0 Not Available   Not Available


Not Available                   0 Not Available                   0 Not Available   Not Available


Not Applicable Not Applicable Not Applicable Yes                    Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable 1 to 8 weeks           Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Not Available   No                Not Available   Yes               Not Available   Not Available


Not Applicable Not Applicable Not Applicable Yes                    Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Yes                    Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable No                     Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable No                     Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable No                     Not Applicable Not Applicable
Not Applicable Not Applicable Not Applicable Yes                         Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Yes                         Not Applicable Not Applicable




Yes                 No                 Yes             Yes               Yes                 Yes


Yes                 Yes                Yes             No                Yes                 Yes


No                  No                 No              Yes               No                  No


No                  No                 No              No                No                  No


30 for the unpaid balance         30 Not Available                                    90 classification
                                                       Applied on a probability of defaultNot Available system.


180 on the total                210                90 Not Applicable                180                  90


not specified                   390 Not Available      Not Applicable Not Available          Not Available


optional                           0 Not Available                                   0 Not Available
                                                       The Canadian Institute of Chartered Accountants require that provisions be lin


                1                0.2             0.25 Not Applicable                     0              0.25


                1                  1 Not Available     Not Applicable                    1 Not Available


Not Available                          Not Available
                    this classification isn't made             0.0028            0.0023 Not Available


Yes                 Yes                Yes             No                Not Available       Yes


Not Available                 0.124 Not Available                0.023           0.0078 Not Available


Not Available                 0.048 Not Available              0.0256            0.0065 Not Available


                 specific provisions are deductibleSpecific provisions Available Specific provisions are deductible
                                                                    Not
specific provisions are deductibleSpecific provisions are deductible can be deducted
Not Available              0.07 Not Available             0.2212                   0 Not Available


Not Available   no foreign banksNot Available             0.2212                   0 Not Available




Yes             No               Yes             Yes               No                Yes


No              No               No              No                No                No


                             360                90 by equivalent provisions      90             90
not specified, but accrued interest has to be offsetInterest income accrual should cease when loan is considered impaired.


Yes             Yes              Yes             Yes               Yes               Yes


Yes             Yes              Yes             Yes               Yes               Yes


Yes             No               Yes             Yes               No                Yes


Not Available   195,882 MBIF                     Not
                                 XAF 2138 milliards Available                    XAF
                                                                   US$135,870,410,000 2138 milliards


No              No               No              Yes               No                No


Yes             Yes              No              No                Not Available     No


                Not imprisionment, and 110 millions Applicable Not fine, according to article 51
                                 Not Applicable example
1 month to 1 year of exercise again as director forNotFrancs CFA of a Available Not Applicable of the banking law.


No              No               No              No                Not Available     No


Not Applicable Not Applicable Not Applicable Not Applicable Not Available            Not Applicable


No              No               No              No                No                No


Not Available                  0 Not Available   Not Available                     1 Not Available


Not Available                  0 Not Available   Not Available                     0 Not Available
No               No               No               Yes            Not Available   No


No               No               No               Yes            Not Available   No


No               No               No               Yes            Not Available   No




No               Yes              Yes              No             Not Available   Yes


No               Yes              No               No             No              No


Yes              Yes              Not Available    No             Yes             Not Available


Yes              Yes              Yes              No             Yes             Yes


Not Available    Yes              Yes              No             Yes             Yes


Yes              Yes              Yes              No             Yes             Yes


Yes              Yes              Yes              No             Yes             Yes


                article 70 de la loi bancaire
the banking law and the company lawNot Available                  Banks and TrustNot Available
                                                                                  Companies Law (2004 Revision); //Compan
                                                   Bank Act, Windingup and Restructuring Act, //Canada Deposit Insurance Cor


No               Yes              No               No             No              No


No               No               Yes              No             No              Yes


No               Yes              Yes              Yes            Yes             Yes


No               No               No               No             No              No


No               No               Yes              No             No              Yes


Yes              No               No               No             No              No
The relevant minister in the Finance Ministry, after consultation with the banking commission


No              No               Yes             Yes              No               Yes


No              Yes              Yes             Yes              Yes              Yes


No              No               No              No               No               No


No              No               No              No               No               No


Yes             No               No              No               No               No


the appointed minister of finance after consultation with the banking commission


No              Yes              Yes             No               No               Yes


No              Yes              No              Yes              No               No


No              Yes              Yes             Yes              Yes              Yes


No              No               No              No               No               No


No              No               No              No               No               No


Yes             No               No              Yes              No               No


                                                   Goverr in Council the Cabinet) under Canada Deposit Insurance Corporation
The relevant minister in the Finance Ministry, after consultation with (i.e,.banking commission


Yes             Yes              Yes             No               Yes              Yes


No              No               Not Available   Yes              Yes              Not Available


No              No               No              No               No               No


No              No               No              No               No               No
Yes             No             No              No    No              No


Not Available


Yes             No             Yes             Yes   Yes             Yes


No              No             Not Available   Yes   No              Not Available


No              No             No              No    No              No


No              Yes            Yes             No    No              Yes


No              No             No              No    No              No




Yes             Yes            Yes             No    Yes             Yes


No              No             No              No    No              No


No              No             No              No    No              No


No              No             No              No    No              No


Yes             No             No              No    No              No


The counsel of ministers of the UMOA region


Not Available   No             No              No    Not Available   No


Not Available   Yes            No              No    Not Available   No


Not Available   No             No              No    Not Available   No


Not Available   No             No              No    Not Available   No
Not Available   No                  No                  No                Not Available   No


Not Available                                                             Not Available


Not Available                   1                   3                   0 Not Available                   3


Not Available             0.055              0.014                      0 Not Available            0.014


Not Available   Not Available                       0                   0 Not Available                   0


Not Available   Not Available                       0                   0 Not Available                   0


Not Available   Not Available                       3                   0 Not Available                   3


Not Available   Not Available                0.119                      0 Not Available            0.119


Not Available   Not Available       Not Available       Not Available     Not Available   Not Available


Not Available   14 months                       12 Not Applicable Not Available                       12


No              Yes                 Yes                 No                Yes             Yes


No              No                  Yes                 Yes               No              Yes


No              No                  No                  No                No              No


No              No                  No                  No                No              No


Yes             No                  No                  No                No              No


the appointed minister of finance


No              No                  No                  No                Not Available   No


No              Yes                 No                  Yes               Not Available   No
No             Yes             Yes             Yes           Not Available   Yes


Not Applicable Not Available               1               0 Not Available               1




No             Yes             No              No            No              No


Yes            Yes             Yes             Yes           Yes             Yes


No             No              No              No            No              No


No             No              No              No            Yes             No


                                                                           Monetary Authority
Not Applicable Not Applicable Not Applicable Not Applicable Cayman Islands Not Applicable


Yes            Yes             No              No            Yes             No


              Service Supervision ApplicableThe Africa
                              Not Union of    Not Applicable Cayman Islands Not Applicable
banking commission of the Monetary Bancaire/WestBank Supervisory Service    Monetary Authority


No             No              Yes             No            No              Yes


No             Yes             No              Yes           Yes             No


No             No              No              Yes           No              No


Yes            No              No              No            No              No


No             Yes             Yes             No            Not Available   Yes


No             No              No              Yes           Not Available   No


No             No              No              No            Not Available   No


No             No              No              No            Not Available   No
Yes             No                No              No              Not Available    No


Yes             No                Yes             Yes             Not Available    Yes


                the Applicable 5 years        7 years       Not Available 5 years
The governor of Not BCEAO presides over the Banking Commission, which is composed of 18 (other) members nominated ha


No              Yes               Yes             No              Not Available    Yes


No              No                No              Yes             Not Available    No


No              No                No              No              Not Available    No


No              No                No              No              Not Available    No


No              No                No              No              Not Available    No




Not Available   Yes               Yes             Yes             Not Available    Yes


Not Available   Yes               Yes             Yes             Not Available    Yes


Not Available   No                No              Yes             Not Available    No


Not Available   No                No              Yes             Not Available    No


Not Available               13 Not Available                                    OSFI)
                                                  Approx. 210 (450 total FTE at16 Not Available


Not Available                   3 Not Available                    2 inspections per banks in the last 5 years (for those banks w
                                                  At least one per year.           Not Available


Not Available                  Not
                No special budget Available                     US$11.5m
                                                  $30.2M CND at March 31, 2005 Not Available


Not Available                  Not Available
                Central Bank budget                                Government the institutions it supervises.
                                                                                   Not Available
                                                  OSFI's cost are levied againstFunding


every 2 years   every 2 years     every 2 years   Annually        every two years every 2 years
Not Available               3 Not Available               11                      2 Not Available


Not Available               5 Not Available                   7                   4 Not Available


Yes             Yes           Not Available   Yes                 Yes               Not Available


Yes             Yes           Not Available   No                  Not Available     Not Available


               the surveillance department commission of central africa
the banking commission          the banking   Not Available Not Available           the banking commission of central africa


Not Available               0 Not Available   Not Available       Not Available     Not Available


No              No            No              No                  No                No


No              No            Yes             No                  No                Yes
Chad            Chile            China            Colombia        Congo, Rep.      Cook Islands




                 Superintendencia de Bancos e Instituciones //Financieras
                                   China Banking Regulatory Commission
                                                    Not Available                   Financial Supervisory Commission
the finance ministry, after consulting with the banking commission the finance ministry, after consulting with the banking commi


No              No               No               No              No               No


No              No               Yes              No              No               No


                                               N
Not Applicable Not Applicable not allowed by lawot Applicable Not Applicable Not Applicable


Not Available                26 398(including foreign banks) 21 Not Available                     7

                us$119.325.77                  $118.369.781                        NZ$654.7
Not Available                  RMB 29 trillion millones de        Not Available
                0.000                                                              million
                                               pesos
                us$71.582.810.                 $81.712.607                         NZ$542.1
Not Available                  RMB 24 trillion millones de        Not Available
                000                                                                million
                                               pesos
                us$871891000 RMB 15.5           $63.053.419                        NZ$469.8
Not Available                                  millones de        Not Available
                00             trillion                                            million
                                               pesos
                               RMB 1 billion $56.823
XAF 1 000 M     us$13.441.661 for a nation-    millones de        XAF 1 000 M      NZ$2.0 million
                               wide bank;      pesos
                               RMB 300         $56.823
XAF 1 000 M     us$13.441.661 million          millones e         XAF 1 000 M      NZ$2.0 million
                               equivalent      pesos
                               RMB 100
XAF 1 000 M     us$13.441.661 million          Not Available      XAF 1 000 M      NZ$2.0 million
                               equivalent

Yes             Yes              Yes              Yes             Yes              Yes


No              Yes              No               Yes             No               Yes


Yes             No               No               No              Yes              No


Yes             No               No               Yes             Yes              Yes


Yes             Yes              Yes              Yes             Yes              Yes
Yes             No      Yes             Yes     Yes             Yes


Yes             Yes     Yes             Yes     Yes             Yes


Yes             Yes     Yes             Yes     Yes             Yes


Yes             No      Yes             Yes     Yes             Yes


Yes             No      Yes             Yes     Yes             Yes


Yes             Yes     Yes             Yes     Yes             Yes


Yes             No      Yes             Yes     Yes             Yes


Not Available         7 Not Available         1 Not Available         11


Not Available         1 Not Available         0 Not Available         3


Not Available         5 Not Available         1 Not Available         8


Not Available         1 Not Available         0 Not Available         0


Not Available         0 Not Available         0 Not Available         2


Not Available         0 Not Available         0 Not Available         0


Not Available         0 Not Available         0 Not Available         0


Not Available         0 Not Available         0 Not Available         0


Not Available         0 Not Available         0 Not Available         0


Not Available         0 Not Available         0 Not Available         0


Not Available         0 Not Available         0 Not Available         0
Not Available                    0 Not Available                   0 Not Available                0


Not Available                    0 Not Available                   0 Not Available                2


Not Available                    0 Not Available                   0 Not Available                0


Not Available                    0 Not Available                   0 Not Available                0


Not Available                    0 Not Available                   0 Not Available                0


Not Available                    0 Not Available                   0 Not Available                0


Not Available                    0 Not Available                   0 Not Available                0


Not Available       No             Not Available    Not Applicable Not Available         Yes


Not Available       No             Not Available    Not Applicable Not Available         Yes


Not Available       No             Not Available    Not Applicable Not Available         Yes


Not Available       Yes            Not Available    Not Applicable Not Available         No


Not Available                      Not Available Not Applicable Not Available Not Applicable
                    The business plan had weaknesses and risks that were not entirely covered by the capital


No                  No             No               No                  No               No


No                  No             No               No                  No               No


No                  No             No               Yes                 No               No


No                  Yes            No               No                  No               No


                1                1 0.2 for a single foreign investor1                1            1
No                  No                  Yes                 Yes                 No                  Yes


Not Applicable Not Applicable For a city commercial bank, an individual can hold up to 5‰ of the total shares
                                                      0.9499 Not Applicable                   1


Yes                 Yes                 Yes                 Yes                 Yes                 Yes


                1                   1                   1                   1                  1 Not Available


No                  No                  Not Available       Not Available       No                  Not Available


Yes                 Yes                 Yes                 Yes                 Yes                 Yes


Yes                 Yes                 Yes                 Yes                 Yes                 Yes


Prohibited          Permitted           Permitted           Prohibited          Prohibited          Permitted


Not Available                   0.881 Not Available                      0.78 Not Available                         0


Unrestricted        Permitted           Permitted           Prohibited          Unrestricted        Permitted


Not Available                    0.75           0.7413                   0.51 Not Available                         1


Not Available                    0.74           0.7293                   0.52 Not Available                         1


Not Available                    0.99           0.7686                   0.88 Not Available                         1




             0.08                0.08               0.08                 0.09                0.08               0.1


Yes                 Yes                 Yes                 Yes                 Yes                 Yes


No                  No                  No                  No                  No                  Yes


No                  No                  No                  No                  No                  No
No                  No                No               No                No                  No


Not Available       Yes               No               No                Not Available       No


Not Available                         to the index of Not capital / Total Assets > 0, Not is 3%
                    If it corresponds Not Applicable Tier 1Applicable Not Available then itApplicable


Not Available                  0.13          0.0491             0.135 Not Available                     0.32


Not Available                   0.1          0.0332             0.104 Not Available                     0.33


Yes                 Yes               Yes              Yes               Yes                 Yes


No                  No                No               No                No                  No


                1                 1              0.7               0.5                   1              0.45




Not Available                  0.17          0.6876             0.153 Not Available                     0.05


Not Available                 0.638          0.0189             0.181 Not Available                     0.95


Not Available                     1                4                   3 Not Available                       1


Not Available                    12             198                    6 Not Available                       6


No                  No                No               Not Available     No                  Yes


No                  Yes               No               Not Available     No                  Yes


No                  Yes               No               Not Available     No                  Yes


No                  No                No               No                No                  Yes


Not Available       No                No               No                Not Available       Not Available
Not Available                0.17           0.6941               0.149 Not Available                0.04


Not Available                0.38           0.0085               0.177 Not Available                0.96


Not Available               0.133           0.6599               0.118 Not Available                0.04


Not Available               0.385           0.0235               0.199 Not Available                0.96




Unrestricted    Permitted           Prohibited       Permitted         Unrestricted    Prohibited


Prohibited      Prohibited          Restricted       Prohibited        Prohibited      Prohibited


Prohibited      Prohibited          Prohibited       Prohibited        Prohibited      Prohibited


Permitted       Prohibited          Prohibited       Prohibited        Permitted       Permitted




Yes             Yes                 Yes              Yes               Yes             Yes


Yes             Yes                 No               Yes               Yes             Yes


No              No                  Yes              No                No              Not Available


Yes             No                  No               Yes               Yes             Yes


Yes             Yes                 Yes              Yes               Yes             Yes


Yes             Yes                 Yes              Yes               Yes             Yes


Yes             Yes                 Yes              Yes               Yes             Yes


Yes             No                  No               Yes               Yes             Yes
Yes             No               No                Yes              Yes              Yes


No              Yes              No                Yes              No               No


Not Applicable No                No                Yes              Not Applicable No




No              Yes              Yes               No               No               Yes


Not Applicable No                Yes               Not Applicable Not Applicable No




Yes             No               Yes               No               Yes              No


Yes             Yes              Yes               Yes              Yes              Yes


                The              10% for a single borrower
                                                    with no       45% of 10% if the Available
                                                                                     Not
45% of net capital limits vary: (i) 5,0% of capital0.10.25 guarantees; (ii) net capital amount above the 5% corresponds to fore


No              No               No                No               No               No


No              No               No                No               No               No


No              No               No                No               No               No


Yes             Yes              Yes               Yes              Yes              No


               9% and 3% of term of and outstanding the Bank of on sight depositsApplicable term deposits
                               8% deposits       of into deposit denominated inNot and 3% of
                                                                                   //domestic currency
5% on sight depositsof demand deposit their 3.6% Fit time deposites5%the Republic on Checking accounts 13 %, Deposits of Sav


Yes             Yes              Yes               Yes              Yes              Not Available


Not Available                    1.8% for required reserves; 0.99% for excess //reserves; no interest paid in Certificates of dep
                                                   100 % of                         0 to Available
                 50% of the inflation rate from last month. the valuation of inflationNotthe resources fitted by reserves in //foreig


No              Yes              No                Yes              No               Not Available
Not Applicable                     Not Applicable Not Available Not Applicable Not Applicable
                  There is not fixed coefficient. It is adjustable depending on liquidity requirements.


No                Yes               Yes               No              No                Not Available


                                          3.6% of time deposits
Not Applicable 9% of demand deposits and0.03 Not Applicable Not Applicable Not Applicable


Not Available               0.164 Not Available               0.058 Not Available                  0.57


Not Available               0.196 Not Available                0.06 Not Available                  0.57


Not Available               0.067 Not Available               0.234 Not Available                  0.01


Not Available                 0.6           0.8012             0.69 Not Available                  0.83


                0 Not Available                   0            0.69                 0                   0




No                Yes               No                Yes             No                No


Not Applicable The governmentNot Applicable Both                      Not Applicable Not Applicable


Not Applicable No                   Not Applicable Yes                Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable Yes                      Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable                  0.032 Not Applicable Not Applicable


Not Applicable US$ 3,629            Not Applicable            8776 Not Applicable Not Applicable


Not Applicable                                                   Not Applicable Not del 25%
                        1,973,295 Not Applicable $20 millones de pesos con deducible Applicable


Not Applicable Yes                  Not Applicable Yes                Not Applicable Not Applicable


                               in the financial $20 millones de pesos con deducible us$4.035
                                                                Not Applicable Not del 25%
Not Applicable 90% of deposits Not Applicable system ,as long as they are not above Applicableand $ 2.192.000
Not Applicable Yes                  Not Applicable Yes              Not Applicable Not Applicable


Not Applicable Yes                  Not Applicable No               Not Applicable Not Applicable


Not Applicable No                   Not Applicable No               Not Applicable Not Applicable


Not Applicable No                   Not Applicable No               Not Applicable Not Applicable


                               of Banks and The Financial Supervision of Colombia
                                                                  Not
Not Applicable The Supervision Not ApplicableInstitutions // Financial Applicable Not Applicable


Not Applicable No                   Not Applicable No               Not Applicable Not Applicable


Not Available             0.044 RMB 185 billion               0.021 Not Available   Not Applicable


Not Available                   0                   1             1 Not Available                   0


Not Available                   0               33                7 Not Available   Not Available


Not Applicable Not Applicable Not Applicable Yes                    Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable 3 months               Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable 3 months               Not Applicable Not Applicable


Not Available   Not Available       Not Available       Yes         Not Available   Not Available


Not Applicable Yes                  Not Applicable No               Not Applicable Not Applicable


Not Applicable No                   Not Applicable No               Not Applicable Not Applicable


Not Applicable No                   Not Applicable No               Not Applicable Not Applicable


Not Applicable No                   Not Applicable No               Not Applicable Not Applicable


Not Applicable No                   Not Applicable No               Not Applicable Not Applicable
Not Applicable Yes                 Not Applicable Yes              Not Applicable Not Applicable


Not Applicable Yes                 Not Applicable Yes              Not Applicable Not Applicable




Yes               Yes              Yes             Yes             Yes             Yes


Yes               No               No              No              Yes             Yes


No                Yes              Yes             No              No              No


No                No               No                             No                Credit Risk SARC Chapter II of the Basic F
                                                   Yes, System of Administration of No


Not Available                                     Microcredit 60 , Consume 60
                                                                   Not                       90
                  Not Applicable no specific regulatory requirements Available, Commercial 90 and Mortgage 150


             90                                   Microcredit 90 , Consume 90 , Commercial 180 and Mortgage 360
                              90 no specific regulatory requirements          90            180


Not Available                   no specific regulatory requirements
                                                  Microcredit 120 months without Commercial 360 months for credits
                                                                      Consume 180              360
                  180 for consumer credits.For other loans, it is 24,Not Available ,guarantees and 36 and Mortgage 540 with gu


Not Available                                  0.2 Microcredit 0.2, Consume 0.2, Commercial 0.2 and Mortgage 0.1s
                  Depends on the severity of the estimates loss     Not Available            0.2


                                             0.4 Microcredit 0.5, Consume 0.5, Commercial 0.5 and Mortgage 0.1s
           0.25 Depends on the severity of the estimates loss              0.25            0.5


Not Available                                    estimates loss    Not Available            1
                  Depends on the severity of the 1 Microcredit 100 %, Consume 100 %, Commercial 100 % and Mortgage from


Not Available              0.008           0.086            0.014 Not Available               0.01


Yes               No               No              Yes             Yes             No


Not Available             0.0315          0.0027            0.039 Not Available            0.0318


Not Available             0.0225           0.002            0.048 Not Available            0.0257


                  Yes, deductible General provisions can and General
                                                  Specific       Specific provisions are deductible
Specific provisions arespecific reserves can be deducted.be deducted              Not Available
Not Available                                0.33             0.35 824)
                 17,0 % of tax to the revenue of 1 ° category (D.L. Not Available   Not Available


Not Available                              0.15             0.35 Not Available Not Available
                 17,0% de impuesto a la renta de 1° categoría y un 35% de impuesto adicional (D.L 824).




Yes              Yes               Not Available    Yes             Yes             Yes


No               No                Not Available    No              No              No


            90                90                                             90            90
                                               90 Microcredit 30 days, Consume 60 days, Commercial 90 days and Mortgage 6


Yes              Yes               Yes              Yes             Yes             No


Yes              Yes               Yes              Yes             Yes             Yes


Yes              Yes               Yes              No              Yes             No


                us$323.918.000.000Available
XAF 2138 milliards            Not                                  XAF 2138          Not
                                                    $75.787 millones de pesos milliards Available


No               No                Yes              Yes             No              Yes


No               Yes               Yes              Yes             No              Yes


Not Applicable                  displinary sanctions; fine ranging Notand/or penal sanctions
                                                  civil sanctions civil Applicable not to 500,000;NZ$20,000 orbeing unfit and f
                                                                   from RMB //50,000 exceeding disqualify as imprisonment
                 They are subject to criminal and Administrative,depending on the gravity of the offense.


No               No                No               No              No              No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


No               Yes               No               No              No              No


Not Available                  7               10                3 Not Available    Not Available


Not Available                  7               10               10 Not Available    Not Available
No              Yes            Yes             Yes            No              Not Available


No              Yes            No              Yes            No              Not Available


No              Yes            Yes             Yes            No              Not Available




Yes             No             Yes             Yes            Yes             Yes


No              No             Yes             Yes            No              No


Not Available   Yes            Yes             Yes            Not Available   Yes


Yes             Yes            Yes             Yes            Yes             Yes


Yes             No             Yes             Yes            Yes             Yes


Yes             No             Not Available   Yes            Yes             Yes


Yes             No             Yes             Yes            Yes             No


Not Available                                  of 26 114 of the Organic
                                Banking Law; 3 Articleof // November, 1997.   of the Financial System – grounds of captu
                General law of Banks (DFL N °commercial Banking Law StatuteBanking Act 2003
                                                                Not Available


No              Yes            No              Yes            No              No


Yes             Yes            No              Yes            Yes             No


Yes             No             Yes             No             Yes             Yes


No              No             No              No             No              No


Yes             No             No              No             Yes             No


No              No             No              No             No              No
             Yes             Yes             Yes           Yes   Yes             Yes


             Yes             No              Yes           No    Yes             No


             No              No              No            No    No              No


             No              No              No            No    No              No


             No              No              No            No    No              No




             Yes             Yes             No            Yes   Yes             No


             No              Yes             Yes           Yes   No              Not Available


             Yes             Yes             Yes           No    Yes             Not Available


             No              No              No            Yes   No              Not Available


             No              No              No            No    No              Not Available


             No              No              No            No    No              No


er Canada Deposit Insurance Corporation //Act (s. 39.13)


             Yes             Yes             Yes           Yes   Yes             Yes


             Not Available   Yes             Yes           No    Not Available   No


             No              No              No            Yes   No              No


             No              No              No            No    No              No
No              No    No              No    No              No




Yes             Yes   Yes             Yes   Yes             Yes


Not Available   Yes   Yes             No    Not Available   No


No              No    No              Yes   No              No


Yes             No    No              No    Yes             No


No              No    No              No    No              No




Yes             Yes   Yes             No    Yes             Not Available


No              Yes   No              No    No              Not Available


No              No    No              No    No              Not Available


No              No    No              No    No              Not Available


No              No    No              No    No              Not Available


                                                            Not Available


No              No    Not Available   No    No              Not Available


No              No    Not Available   No    No              Not Available


No              No    Not Available   No    No              Not Available


No              No    Not Available   No    No              Not Available
No                No              Not Available       No                No              Not Available


                                  Not Available                                         Not Available


                3 Not Available                   1                 1               3                   0


         0.014 Not Available              0.0001                  0.7           0.014                   0


                0 Not Available                   1                 1               0                   0


                0 Not Available          0.00015                  0.7               0                   0


                3 Not Available                   2                 1               3                   0


         0.119 Not Available              0.0178                  0.7           0.119                   0


Not Available     Not Available   Not Available                       Not Available Not Available
                                                      the 3 previous events allude to the same bank, which was an object of captur


            12 No Applicable      Not Available       3 months                     12 Not Applicable


Yes               Yes             Yes                 No                Yes             Yes


Yes               No              Yes                 No                Yes             Yes


No                No              No                  Yes               No              No


No                No              No                  No                No              No


No                No              No                  No                No              No




No                No              No                  No                No              No


No                No              Yes                 No                No              Yes
Yes            Yes             Yes             Yes             Yes            Yes


             1 Not Available               0               1              1              0




No             No              No              No              No             No


Yes            Yes             Yes             Yes             Yes            Yes


No             No              No              No              No             No


No             No              No              Yes             No             Yes


                                                             Not Applicable Financial supervisory Commission
Not Applicable Not Applicable Not Applicable The Financial Supervision of Colombia


No             No              Yes             Yes             No             Yes


                                             The Financial Supervision of Colombia
                                                             Not Applicable Financial Supervisory Commission
Not Applicable Not Applicable China Banking regulatory Commission


Yes            No              Yes             No              Yes            No


No             Yes             No              Yes             No             No


No             No              No              No              No             No


No             No              No              No              No             No


Yes            Yes             Yes             Yes             Yes            No


No             No              No              No              No             No


No             No              No              No              No             No


No             No              No              No              No             No
No              No                No                 No              No                Yes


Yes             No                No                 No              Yes               No


5 years         Not Applicable Not Applicable Not Applicable 5 years                   Not Applicable


Yes             Yes               Yes                Yes             Yes               No


No              No                No                 No              No                No


No              No                No                 No              No                No


No              No                No                 No              No                No


No              No                No                 No              No                Yes




Yes             Yes               Yes                Yes             Yes               No


Yes             Yes               No                 Yes             Yes               Not Applicable


No              No                Yes                No              No                Not Applicable


No              No                No                 Yes             No                Not Applicable


Not Available               113              16546              184 Not Available                     4


Not Available                  5 Not Available                         Not 2 per year)
                                                     10 visits (in average Available At least 2


Not Available   US$9.500.000 Not Available                          Not pesos
                                                     $76.928 millones de Available     NZ$850,000


Not Available                     fees paid by banking institutions Not Available Fees from licensed financial Banks (DFL
                                                    Article 337 of the Organic Statute of of Financial System. of the year 2005
                .Contribution of the institutions controlled in congruity with the article 8the // the General Law Forinstitutions. N °


every 2 years   Annually          Annually                           every
                                                     With less frequency 2 years       Annually
Not Available                    Not
                47.8% of the total Available    45% of the total Not Available              0


Not Available               11 Not Available                 11 Not Available              2.5


Not Available   Yes             Yes             Not Available   Not Available    Yes


Not Available   Not Available   Yes             Yes             Not Available    Yes


               Superintendent Not Available
the banking commission of central africa                                     Commission
                                                No exceptions the banking commission of central africa


Not Available   Not Available   Not Available   Not Applicable Not Available                0


No              Yes             No              Yes             No               No


Yes             Yes             Yes             Yes             Yes              No
Costa Rica      Côte d'Ivoire   Croatia            Cyprus         Czech RepublicDenmark




                 of Supervision ofCroatian National Bank
                                   the after consultation
                                                  The Central Bank of Cyprus the Banking Commision
                                                                   The Czech      The Danish
National council The Finance Ministry,System // Financialwith the BCEAO and National Bank Financial Supervisory Authority


No              No              No                 No             No                 No


No              No              No                 No             Yes                Yes


                Not Applicable Not Applicable Not Applicable
only one authorization                                                          2                     2


             16 Not Available                 34             41                 36                  161

$                                                                 2 954 369
               Not Available    260.285 mill H CYP30 bn                              3010,5 billion
11.400.258.650                                                    mil.CZK

$                                                                 1 850 239
              Not Available     171.742 mill H CYP18,5 bn                            1178,3 billion
8.213.061.838                                                     mil.CZK

$                                                                 1 185 514
              Not Available     151.960 mill H CYP12,5 bn                            1337,6 billion
5.970.755.322                                                     mil.CZK

$ 10.000.000    1 md FCFA       40 mill HRK        CYP3 mn        500 mil.CZK        8 mill. euro


$ 10.000.000    1 md FCFA       40 mill HRK        CYP3 mn        500 mil.CZK        8 mill. euro


No aplica       Not Available   40 mill HRK        none           150 mil.CZK                         0


No              Yes             Yes                No             Yes                Yes


Yes             Yes             No                 Yes            Yes                Yes


No              Yes             No                 No             No                 Yes


Yes             No              No                 No             No                 Yes


Yes             Yes             Yes                Yes            Yes                Yes
Yes             Yes             Yes              No             Yes            Yes


Yes             Yes             Yes              No             Yes            Yes


Yes             Yes             Yes              No             Yes            Yes


No              Yes             No               Yes            Yes            Yes


No              Yes             Yes              Yes            Yes            Yes


No              Yes             Yes              No             Yes            Yes


Yes             Yes             Yes              No             Yes            Yes


Not Available   Not Available                0              0              0         1


Not Available   Not Available   Not Applicable Not Applicable Not Applicable         0


Not Available   Not Available   Not Applicable Not Applicable Not Applicable         1


Not Available   Not Available   Not Applicable Not Applicable Not Applicable         0


Not Available   Not Available                8              8              4         84


Not Available   Not Available                1              0              1         0


Not Available   Not Available                8              2              2         1


Not Available   Not Available                1 Not Applicable              0         0


Not Available   Not Available                3              2              0         0


Not Available   Not Available                0              0              2         0


Not Available   Not Available                0 Not Applicable              1         0
Not Available       Not Available                       0 Not Applicable                0                0


Not Available       Not Available                       0                6              0                7


Not Available       Not Available                       0 Not Applicable                0                0


Not Available       Not Available                       0 Not Applicable                0                0


Not Available       Not Available                       0                0              0               76


Not Available       Not Available                       0                0              0                0


Not Available       Not Available                       0                0              0                0


Not Available       Not Available       Yes                 Not Applicable No               Not Applicable


Not Available       Not Available       No                  Not Applicable No               Not Applicable


Not Available       Not Available       No                  Not Applicable No               Not Applicable


Not Available       Not Available       No                  Not Applicable No               Not Applicable


Not Available       Not Available       Not Available                                     Not structure
                                                            Not Applicable nonstable ownershipApplicable


No                  No                  No                  No               No             No


No                  No                  No                  No               No             No


Yes                 Yes                 No                  No               No             No


No                  No                  No                  No               No             No


                1                   1                   1                1              1                1
No                   No                 No                  No                 No                  No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Yes                  Yes                Yes                 Yes                Yes                 Yes


                1                  1                                                    0                 1
                                                       1 1 (As with any bank holding, prior approval is required for holdings in excess


No                   No                 No                  Not Applicable No                      No


Yes                  Yes                Yes                 Yes                Yes                 Yes


Yes                  Yes                Yes                 Yes                Yes                 Yes


Unrestricted         Permitted          Permitted           Permitted          Unrestricted        Permitted


        0.3677 Not Available                    0.4978                    1                   0                0.22


Unrestricted         Permitted          Permitted           Permitted          Permitted           Permitted


         0.798 Not Available                        0.721               0.48               0.691               0.77


        0.7731 Not Available                    0.7444                  0.67               0.655               0.82


        0.8659 Not Available                        0.974               0.85               0.738               0.93




               0.1               0.08                 0.1                0.1                0.08               0.08


Yes                  Yes                Yes                 Yes                Yes                 Yes


No                   No                 No                  No                 No                  No


No                   No                 No                  No                 No                  No
No                No              No               No               No              No


No                No              No               No               No              No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Not Available     Not Available          0.1462 Not Available             0.1186 Not Available


        0.0785 Not Available              0.135 Not Available             0.0993           0.0793


Yes               Yes             Yes              Yes              Yes             Yes


No                No              No               No               No              No


                                             0 probably tier 2 are counted in capital up not allowed to be a 1 in other word
                                                                revaluation                   0.5
           0.75 might be complementary capital up to 100% of Tier 1 Capital reserves are to the amount of tierpart of regulator




        0.5453 Not Available             0.0337             0.03          0.0249                 0


        0.2291 Not Available             0.9132             0.37            0.844            0.21


                3 Not Available                2                2               2                0


                8 Not Available               14              34               27                6


No                Yes             No               Yes              No              No


Yes               Yes             Yes              Yes              No              Yes


Yes               Yes             No               Yes              No              Yes


No                Yes             Yes              Yes              Yes             Yes


No                No              No               No               No              No
        0.6025 Not Available              0.0314                0.03           0.0065                   0


        0.2049 Not Available              0.9086                0.23           0.8338                  0.2


        0.4154 Not Available              0.0214                0.05           0.0321                   0


             0.31 Not Available           0.8175                0.34           0.8385                0.21




Restricted        Restricted      Permitted        Permitted           Unrestricted     Unrestricted


Restricted        Restricted      Permitted        Permitted           Prohibited       Restricted


Prohibited        Permitted       Permitted        Prohibited          Prohibited       Restricted


Prohibited        Restricted      Permitted        Restricted          Restricted       Permitted




Yes               Yes             Yes              Yes                 Yes              Yes


Yes               Yes             Yes              Yes                 Yes              Yes


Yes               No              Yes              Yes                 Yes              Yes


No                Yes             Yes              No                  Yes              Yes


Yes               Yes             Yes              Yes                 Yes              Yes


Yes               Yes             Yes              Yes                 Yes              Yes


Yes               Yes             Yes              Yes                 No               Yes


Yes               Yes             Yes              No                  Yes              Yes
Yes            Yes             Yes             No               Yes              Yes


Yes            Yes             Yes             Yes              No               Yes


No             Not Available   No              No               No               Yes




No             Yes             No              Yes              Yes              No


Not Applicable Not Available   Not Applicable No                Yes              Not Applicable




No             Yes             Yes             No               No               Yes


Yes            Yes             Yes             Yes              Yes              Yes


                capital
20% of adjusted75% of equity                   25% of Bank's Capitalof the capital of the bank, resp. 20% of the capital of the
                               25% of regulatory capital      25% base                      0.25


No             No              No              No               No               No


No             No              No              No               No               No


No             No              No              No               No               No


Yes            Yes             Not Available   Yes              Yes              Yes


             deposits, time deposits the central foreign the country (the base//the2base//duration: a)5% for those%deposits
                             Not Available For deposits & issued the regional branch ofshould be at least 15 of debts
                                                               2%                < yrs is the BCEAO) as a function of m
15% of demandMinimum determined by in local and bank in currency of bonds withliquid fundsrepresented by primarydenomina


No             No              Not Available   Yes              Yes              Yes


                                              Lombard of reserve //requirements:Central //2. on//from time rate
                                                              determined by the 0,75% Bank the foreign exchange com
                                                                             basically the market
Not Applicable Not Applicable 1. on the kuna componentrate(as2% 2 week REPO since 12.7.2001 interest to time) minus 1


Yes            No              Yes             No               No               Yes
                Not ratio.
There is not specific Applicable Not Available       Not Applicable Not Applicable                        0


Yes               No                Yes              No                 No                  No


              deposits, time Not Available Not Applicable Not
15% of demand Not Applicable deposits in local and foreign currency Applicable Not Applicable


         0.545 Not Available        28,40% + 42,88 curr. linked0.58                 0.225               0.39


         0.548 Not Available        55,99% + 11,81 curr. linked0.58                  0.18               0.45


        0.1816 Not Available                0.0668               0.06               0.131               0.07


           0.72 Not Available               0.6598               0.61                0.65               0.39


              0                 0           0.2154               0.34                0.65               0.42




No                No                Yes              Yes                Yes                 Yes


Not Applicable Not Applicable the banks              the banks          the banks           the banks


Not Applicable Not Applicable Yes                    Yes                Yes                 Yes


Not Applicable Not Applicable No                     No                 No                  No


Not Applicable Not Applicable 2.5% of insured deposits 0.0011                 0.00198                   0.17


Not Applicable Not Applicable                   17 Euro 20.000                      31.89           52000


Not Applicable Not Applicable 100.000,00 HRKNot Available                     699.625              300000


Not Applicable Not Applicable Yes                    Yes                Yes                 Yes


Not Applicable Not Applicable 100.000,00 HRKEuro 20.000                       699.625              300000
Not Applicable Not Applicable No                      No               Yes             No


Not Applicable Not Applicable Yes                     Yes              Yes             Yes


Not Applicable Not Applicable No                      No               No              No


Not Applicable Not Applicable No                      No               No              No


                                              The Central Bank of Cyprus, under the auspices //of which the deposit insura
Not Applicable Not Applicable Croatian National Bank                         the DFSA
                                                             Czech National Bank (central bank)


Not Applicable Not Applicable No                      No               No              No


Not Available     Not Available           0.4444                0.05          0.0794             0.39


                4 Not Available                   3                0               2                3


                0 Not Available                   0                0               0                0


Not Applicable Not Applicable Yes                     Not Applicable Yes               No


Not Applicable Not Applicable 90 days                 Not Applicable 3 months          within 3 mounths


Not Applicable Not Applicable 150 days                                              3 mounths
                                                      Not Applicable 3 months (depends on depositor when he claims legal limit i


No                Not Available   Not Available       Not Applicable Yes               No


Not Applicable Not Applicable Yes                     No               Yes             Yes


Not Applicable Not Applicable Yes                     No               No              No


Not Applicable Not Applicable No                      No               No              No


Not Applicable Not Applicable No                      No               No              No


Not Applicable Not Applicable No                      Yes              Yes             Yes
Not Applicable Not Applicable Yes               No              No             No


Not Applicable Not Applicable Yes               Yes             Yes            Yes




Yes              Yes               Yes          Yes             Yes            No


No               Yes               Yes          No              Yes            No


No               No                Yes          Yes             Yes            No


Yes              No                Yes          No              No             Yes


Not Applicable 30 for the unpaid balance     60 Discretion                 90 Not Available


Not Applicable 180 on the total              90 Discretion                180 Not Available


Not Applicable not specified               180 Discretion                 360 Not Available


Not Applicable optional                  0.0085 Discretion                  0 Not Available


Not Applicable                 1            0.3 Discretion                  0 Not Available


Not Applicable                 1            0.9 Discretion                  0 Not Available


        0.0076 Not Available             0.0396 Not Available         0.0433             0.01


No               Yes               No           Yes             Yes            No


        0.0521 Not Available             0.0269 Not Available           0.022 Not Available


        0.0558 Not Available             0.0209 Not Available         0.0175 Not Available


                specific provisions
                                 General provisions can be deducted
                                                                 Specific provisions
                                                                                  Specific provisions
Specific reserves can be deducted are deductibleSpecific provisions can be deductedcan be deductedcan be deducted
            0.3 Not Available                 0.2             0.1              0.24              0.28


            0.3 Not Available                 0.2             0.1              0.24              0.28




Yes             Yes              Yes                Yes             Yes               Yes


Yes             No               No                 No              Yes               No


                                              60               90 by equivalent provisions
           180 not specified, but accrued interest has to be offsetnot set up    Not Available


Yes             Yes              Yes                Yes             Yes               Yes


Yes             Yes              Yes                Yes             Yes               Yes


Yes             Yes              Yes                Yes             Yes               Yes


Not Available   Not Available    47.034 mil HRK CYP7 bn                            690
                                                                    4 998 926 mil.CZK billion


No              No               No                 Yes             Yes               Yes


Yes             Yes              Yes                Yes             Yes               Yes


                1 month to 1    suspension fromFine up to CYP50.000 and/or imprisonment up to non fit//fiduciaryof
                                                 performing theirup Francs CFA of ain for according//years 51 duty
                                                                  respective //duties the bank for two years; the Croatian //N
                                                                                   Fines, declaring 2 of and
Prison term from 3 to 6 yearsyear of imprisionment, and 110 millions to the prosecutionfine,the breach to articleproper the bankin


Yes             No               No                 No              Not Available     No


once            Not Applicable Not Applicable Not Applicable Not Available            Not Applicable


No              No               No                 No              No                No


Not Available   Not Available                  1                                  Not Available
                                                                3 3 + other banks use the rating of their parent banks


Not Available   Not Available                  0                0                   0 Not Available
Yes             No              No         Yes             No              Yes


No              No              No         Yes             No              Yes


No              No              No         No              No              No




No              No              No         No              No              Yes


No              No              No                          banking law andYes
                                           According to the No              depending on the severity of the offense, th


Yes             Yes             Yes        Yes             Yes             Yes


No              Yes             Yes        Yes             Yes             No


No              Not Available   No         Yes             No              No


No              Yes             No         Yes             No              No


Not Applicable Yes              Yes        No              No              No


                 the banking law and the Rica // number Law, Insolvency Act
                                 Banking Law      Banking
Organic law of the Central Bank of Costacompany law 7558 Companies Law Bankruptcy Act


Not Available   No              No         No              No              No


No              No              No         No              Yes             Yes


Yes             No              Yes        Yes             No              No


No              No              No         No              No              No


No              No              No         No              No              No


No              Yes             No         No              No              No
                                Croatian National Bank is entitled consultation with the proceedings against
                The relevant minister in the Finance Ministry, after to initiate bankruptcy banking commission a //bank if it has e


Yes             No               Yes              Yes              Yes              Yes


No              No               No               Yes              No               No


No              No               No               No               No               No


No              No               No               No               No               No


No              Yes              No               No               No               No


                the appointed minister of finance after consultation with the banking commission


Yes             No               Yes              No               Yes              Yes


Not Available   Not Available    Yes              Yes              Yes              Yes


Not Available   Not Available    No               Yes              No               No


Not Available   Not Available    No               No               No               No


Not Available   Not Available    No               No               No               No


No              Yes              No               No               No               No


                The relevant minister in the Finance Ministry, after consultation with the banking commission


Not Available   Yes              Yes              Yes              Yes              Yes


Not Available   No               No               No               No               No


Not Available   No               No               No               No               No


Not Available   No               No               No               No               No
Not Available   Yes             No             No             No    No




Not Available   Yes             Yes            Yes            Yes   Yes


Not Available   No              No             No             No    No


Not Available   No              No             No             No    No


Not Available   No              No             No             No    No


Not Available   No              No             No             No    No




Not Available   Yes             Yes            Yes            No    Yes


Not Available   No              No             No             No    No


Not Available   No              No             No             No    No


Not Available   No              No             No             No    No


Not Available   Yes             No             No             No    No


Not Available   The counsel of ministers of the UMOA region


Not Available   Not Available   No             Yes            No    No


Not Available   Not Available   No             No             No    No


Not Available   Not Available   No             No             No    No


Not Available   Not Available   No             No             No    No
Not Available     Not Available   No                  No                  Yes                 No


Not Available     Not Available                                           Parliament of the Czech Republic


                2 Not Available                   1                   0                   2                   0


Not Available     Not Available              0.17                     0            0.009                      0


                2 Not Available                   1                   0 Not Available                         7


Not Available     Not Available              4.83                     0 Not Available         Not Available


                2 Not Available                   1                   0 Not Available                         0


Not Available     Not Available              0.14                     0 Not Available                         0


Not Available     Not Available   Not Available       Not Available       Not Available       Not Available


Not Available     Not Available                   8 Not Available         Not Available       2 months


No                No              No                  No                  Yes                 Yes


Yes               No              No                  Yes                 Yes                 No


No                No              Yes                 No                  No                  No


No                No              No                  No                  No                  No


No                Yes             No                  No                  No                  No


                  the appointed minister of finance


No                No              No                  No                  No                  No


Yes               No              No                  Yes                 Yes                 Yes
No             No               Yes           No              Yes             Yes


Not Applicable Not Applicable               0 Not Applicable Not Available                 0




No             No               Yes           Yes             Yes             No


Yes            Yes              No            No              No              Yes


No             No               No            No              No              No


No             No               No            No              Yes             Yes


                                                                           the Bank
Not Applicable Not Applicable Not Applicable Not Applicable The Czech National DFSA


No             Yes              Yes           Yes             Yes             No


                             Croatian National Bank
                                             The Central West Africa
                                                             The Czech        Not Applicable
Not Applicable banking commission of the Monetary Union ofBank of Cyprus National Bank


No             No               No            No              No              No


No             No               No            No              No              Yes


No             No               Yes           Yes             Yes             No


Yes            Yes              No            No              No              Yes


No             No               No            Yes             Yes             No


No             No               No            No              No              Yes


No             No               Yes           No              No              No


No             No               No            No              No              No
Yes             Yes             No               No              No                No


Yes             Yes             Yes              Yes             Yes               Yes


5 years                         the BCEAO presides over the Banking Commission, which is composed of 18 (other) membe
                The governor of 6 years       5 years         6 years       5 years


No              No              No               No              Yes               No


No              No              No               No              No                Yes


No              No              Yes              No              No                No


No              No              No               No              No                No


Yes             No              No               No              No                No




No              Not Available   Yes              Yes             Yes               Yes


Not Applicable Not Available    Yes              Yes             Yes               Yes


Not Applicable Not Available    Yes              Yes             Yes               Yes


Not Applicable Not Available    Yes              No              Yes               Yes


           107 Not Available                92                                            45
                                                            25 cca 100 employees of which 49 inspectors (32 onsite, 17 offs


              5 Not Available                4               5               1.5          39084


$ 9.100.000     Not Available                  Not             168.7 mil.CZK i.e.
                                                                               53,4 mill
                                4.398.540,00 HRK publicly disclosed information cca 7 mil.USD


               Not Available Croatian National Bank budget The Czech National Bank budget the institutions
80% central bank and 20% supervised banks    Not publicly disclosed informationcontributions from


Annually        every 2 years   Annually         Annually        Every two years Less frequently
47% of the total Not Available            27                                              8
                                                        15 18 (of which 5 are onsite and 13 offsite inspectors


             10 Not Available            7.31           10                6             7.2


Yes             Yes              Yes            Yes          Yes              Yes


Yes             Yes              Yes            Yes          No               Yes


Not Available   the banking commission                      Governor
                                           0 Senior Manager,Not Applicable the DFSA


Not Available   Not Available              0 Very few        Not Applicable               0


Yes             No               No             No           Yes              No


Yes             No               Yes            No           Yes              Yes
Dominica                     Egypt,       El
                Dominican Republic Arab Rep. Salvador                             Estonia
                                                                   Equatorial Guinea




                 Finance of each of the eight //territories that form the finance ministry, after consulting Supervision Authority
                                                   SUPERINTENDENCIA DEL SISTEMA FINANCIEROwith are ultimately respo
The Ministers of Junta Monetaria Central Bank of Egypt (CBE)                           Estonian Finantcial
                                                                      the Eastern Caribbean //Currency Union the banking commi


No              No               No               No               No               No


Yes             Yes              No               Yes              No               No


               Not are separate regulations and licencing requirements for commercial banking, securities and insurance act
                                                                Not BANKING Not Applicable
Not Available There Applicable Not Applicable FOR COMMERCIALApplicable ONLY ONE


Not Available                                                  13 Not Available
                              12 43(including branches of foreign banks)                            8

                                               US
Not Available         424872.4 621 billion EGP $11,085,090,50      Not Available      14776357826
                                               3.69
                               512 Billion     US
Not Available        223260.38                 $6,980,611,745      Not Available         7587859424
                               EGP
                                               .48
                               284 Billion     US
Not Available         199526.6                 $7,010,306,410      Not Available         9984025558
                               EGP
                                               .00
EC$5.0m /       RD$163,000,0 Paid up capital US $
                               not less than                       XAF 1 000 M             6000000
US$1.852m       00                             13,000,000.00
                               500 million
EC$5.0m /                      Paid up capital US $
                Not Available not less than                        XAF 1 000 M             6000000
US$1.852m                                      13,000,000.00
                               500 million
Assigned                       Paid up capital US $
capital of      Not Available not less than                        XAF 1 000 M      Not Available
                                               13,000,000.00
EC$5.0m /                      50 million US $

Yes             Yes              Yes              Yes              Yes              Yes


Yes             Yes              Yes              Yes              No               Yes


No              No               No               No               Yes              No


No              No               No               Yes              Yes              Yes


Yes             Yes              Yes              Yes              Yes              Yes
Yes                 Yes                 Yes        Yes         Yes             Yes


Yes                 Yes                 Yes        Yes         Yes             Yes


Yes                 Yes                 Yes        Yes         Yes             Yes


Yes                 Yes                 Yes        Yes         Yes             Yes


Yes                 Yes                 Yes        Yes         Yes             Yes


Yes                 Yes                 Yes        Yes         Yes             Yes


Yes                 Yes                 Yes        Yes         Yes             Yes


Not Available       Not Available             2              0 Not Available                   2


Not Available       Not Available             1 Not Applicable Not Available                   1


Not Available       Not Available             1 Not Applicable Not Available                   1


Not Available       Not Available             0 Not Applicable Not Available                   0


                2                   2         41             1 Not Available   Not Available


                0                   0         13             0 Not Available   Not Available


                1                   1         26             1 Not Available   Not Available


                0                   0         3              0 Not Available   Not Available


                0                   0         2              0 Not Available   Not Available


                1                   1         2              0 Not Available   Not Available


                0                   0         2              0 Not Available   Not Available
                0                   0               0                0 Not Available   Not Available


                0                   0               4                0 Not Available                   6


                0                   0               4                0 Not Available                   9


                0                   0               0                0 Not Available                   9


                0                   0               9                0 Not Available               70


                0                   0               4                0 Not Available                   0


                0                   0               0                0 Not Available                   0


Not Available       Not Available       Yes             Not Applicable Not Available   Yes


Not Available       Not Available       Yes             Not Applicable Not Available


Not Available       Not Available       No              Not Applicable Not Available   Yes


Not Available       Not Available       Yes             Not Applicable Not Available


Not Available       Not Available                       Not Applicable
                                        According to economic needs Not Available


No                  No                  No              No             No              No


No                  No                  No              No             No              No


No                  No                  No              No             No              No


No                  No                  No              No             No              No


                1                                                  1              1
                                    1 Up to 100% central Bank of Egypt (CBE) approval is required. 1
Yes                 Yes               No                  Yes                 No                  No


                               1 additional 10% needs prior approval Applicable Not Applicable
0.20 Approval is required for any If exceeds amount.     0.9999 Not of CBE


Yes                 Yes               Yes                 Yes                 Yes                 Yes


0.20 of voting rights             1 Within the limit of 10%       0.9999                     1                    1


Yes                 No                Yes                 Yes                 No                  Not Available


Yes                 Yes               Yes                 Yes                 Yes                 Yes


Yes                 Yes               Yes                 Yes                 Yes                 Yes


Restricted          Permitted         Permitted           Prohibited          Prohibited          Permitted


                1                 1                  0 0.948 / 9 banks Not Available              non resident financial conglomerates own 10


Permitted           Permitted         Permitted           Restricted          Unrestricted        Permitted


         0.9425             0.9425                 0.63            0.865 Not Available                        0.98


         0.7863             0.7863                0.614            0.877 Not Available                        0.98


              0.9               0.9               0.894            0.983 Not Available                            1




             0.08 Not Available                     0.1                0.12                0.08                0.1


Yes                 Yes               Yes                 Yes                 Yes                 Yes


No                  Yes               No                  No                  No                  No


No                  Yes               No                  No                  No                  No
No             Yes               No            No            No              No


Yes            Yes               No            Yes           Not Available   No


         0.1             0.1 Not Applicable             0.07 Not Available   Not Applicable


         0.1             0.1           0.141            0.12 Not Available             0.117


       0.124          0.124            0.094         0.1353 Not Available              0.105


Yes            Yes               Yes           Yes           Yes             Yes


No             No                No            No            No              No


         0.2                                               book value and market value of all investments other than trad
                         0.1 45% of the difference between 0              1               1




      0.9425            0.25           0.667          0.039 Not Available                  0


        0.25 Not Available             0.217         0.4348 Not Available              0.993


           1                 1           15                2 Not Available                 0


           3                 3           20                9 Not Available                12


Yes            No                No            No            No              No


Yes            No                No            No            No              Yes


Yes            No                No            No            No              Yes


Yes            No                Yes           Yes           No              Yes


No             No                No            No            Not Available   No
Not Available    Not Available                0.667            0.046 Not Available                  0


Not Available    Not Available                0.209           0.4432 Not Available               0.996


        0.3868           0.3868               0.671           0.0315 Not Available                  0


        0.1203           0.1203               0.196           0.4561 Not Available               0.993




Unrestricted     Prohibited       Permitted           Prohibited     Unrestricted    Permitted


Prohibited       Prohibited       Permitted           Restricted     Prohibited      Permitted


Prohibited       Prohibited       Restricted          Prohibited     Prohibited      Permitted


Permitted        Not Available    Restricted          Prohibited     Permitted       Permitted




Yes              Yes              Yes                 Yes            Yes             Yes


Yes              Yes              Yes                 Yes            Yes             Yes


Yes              Yes              Yes                 Yes            No              Yes


Yes              Yes              Yes                 Yes            Yes             Yes


Yes              Yes              Yes                 Yes            Yes             Yes


Yes              Yes              Yes                 Yes            Yes             Yes


Yes              Yes              Yes                 Yes            Yes             Yes


Yes              Yes              Yes                 Yes            Yes             Yes
Yes              Yes             Yes              Yes              Yes              Yes


Yes              Yes             Yes              Yes              No               Yes


Yes              Yes             No               Yes              Not Applicable No




No               No              Yes              No               No               No


Not Applicable Not Applicable Yes                 Not Applicable Not Applicable Not Applicable




No               No              Yes              No               Yes              No


Yes              Yes             Yes              Yes              Yes              Yes

                               CBE
                10 % con garantia, 50% a % with guarantee, 50 45% patrimonio tecnico to the
                               regulations as 25% with real guarantees in with Not Available
                                                               % to linked excessregard
10% sin garantia, 20%without guarantee, 20vinculados con respecto al of net capital of 15% technical patrimony
                               follows:

No               Not Available   No               No               No               No


No               No              Yes              No               No               No


No               Not Available   No               No               No               No


Yes              Yes             Yes              Yes              Yes              Yes


                                 0.2 excludes //deposits by licencedof total of deposits
                                                    liquid reserves deposit sight deposits and 3% of requirement is calculated m
                                                                     5% on taking institutions. //This term value
                                                                                       16% of the deposits deposits
6% of total deposit liabilities. This14% a reserve requirement of the 23% local currency deposits excluding saving certificates ba


No               Yes             No               Yes              Yes              Not Available


Not Applicable              0.02 Not Applicable                               0 Not Available
                                                   Demand deposits: 4.875%; Government bonds: 4.6037% on average


No               Yes             No               No               No               Yes
                               Not Applicable Not Applicable Not Applicable Not Available
Not Applicable 20% of the equivalent amount in pesos.


No               No              Yes             No               No             No


                                              Not in foreign Not Applicable Not Applicable
Not Applicable Not Applicable 10% of total depositsApplicable currency should be maintainted with the CBE, deposits earn in


        0.0957          0.0957           0.324           0.005 Not Available     most (EUR)


        0.2302          0.2302           0.306               0 Not Available     most (EUR)


        0.1133          0.1133           0.221          0.1203 Not Available     Not Available


        0.8488          0.8488           0.825          0.6297 Not Available                 0.51


             0               0 Not Available                0.2                0 Not Available




No               No              No              Yes              No             Yes


Not Applicable Not Applicable Not Applicable     both             Not Applicable the banks


Not Applicable Not Applicable Not Applicable Yes                  Not Applicable Yes


Not Applicable Not Applicable Not Applicable No                   Not Applicable No


Not Applicable Not Applicable Not Applicable              0.01 Not Applicable            0.0059


Not Applicable Not Applicable Not Applicable              7890 Not Applicable 16 402


Not Applicable Not Applicable Not Applicable              7890 Not Applicable 100000 EEK


Not Applicable Not Applicable Not Applicable Yes                  Not Applicable Yes


Not Applicable Not Applicable Not Applicable              7890 Not Applicable 200 000
Not Applicable Not Applicable Not Applicable No                        Not Applicable Yes


Not Applicable Not Applicable Not Applicable Yes                       Not Applicable Yes


Not Applicable Not Applicable Not Applicable No                        Not Applicable No


Not Applicable Not Applicable Not Applicable No                        Not Applicable No


                                                            Not Applicable Cenrtral Bank, Estonian Financial Supervisio
Not Applicable Not Applicable Not Applicable The bank supervision


Not Applicable Not Applicable Not Applicable No                        Not Applicable No


                0 Not Available                                  0.67 Not Available A share of deposits not covered by saving p
                                      Except subordinated debt, other liabilities are covered implicitly.


                0                 3                 6                0 Not Available                    0


                0                 3 Not Available                    0 Not Available                    0


Not Applicable Not Applicable Yes (implicitly) Not Available           Not Applicable Yes


Not Applicable 60 days                3 months          Not Applicable Not Applicable 3 months


Not Applicable Not Applicable 3 months                  Not Applicable Not Applicable                   0


Not Available       Yes               Yes               No             Not Available    Not Available


Not Applicable Not Applicable Not Applicable No                        Not Applicable Not Available


Not Applicable Not Applicable Not Applicable No                        Not Applicable No


Not Applicable Not Applicable Not Applicable No                        Not Applicable Not Available


Not Applicable Not Applicable Not Applicable No                        Not Applicable No


Not Applicable Not Applicable Not Applicable Yes                       Not Applicable Yes
Not Applicable Not Applicable Not Applicable Yes                     Not Applicable Yes


Not Applicable Not Applicable Not Applicable Yes                     Not Applicable Yes




Yes               Yes             Yes              Yes               Yes           Yes


Yes               Yes             No               Yes               Yes           No


Yes               Yes             No               Yes               No            No


Yes               No              Yes              No                No            Yes


            90              60 3 months                         60 Not Available   not specified


           180              90 5 months            60-180                       90 not specified


           365             365 6 months                       180 Not Available    not specified


            0.1             0.2             0.2                0.1 Not Available   not specified


            0.5             0.6             0.5                0.5            0.25 not specified


             1               1                 1                 1 Not Available   not specified


        0.0278          0.0278 Not Available                  0.02 Not Available             0.001


No                Yes             Yes              Yes               Yes           No


        0.1015          0.1015            0.013             0.0599 Not Available             0.019


        0.0618          0.0618            0.013               0.04 Not Available             0.016


               Specific reserves can be deducted
                                               Specific reserves can be provisions are of loan loss can be deducted
                                                               Specific deducted80% deductible
                                                                                -
Provisions cannot be deducted Specific and General provisions can be decucted Specific provisionsprovisions (specific and g
           0.25              0.25                0.2            0.25 Not Available     0% if dividends are not paid out, 31% if divid


           0.25              0.25                0.2            0.25 Not Available     0% if dividends are not paid out, 31% if divid




Yes               Yes                 Yes              Yes             Yes             Yes


No                No                  No               No              No              Yes


            90                90 90 days                          90               90 There is not certain number of . Calculation


No                Yes                 Yes              Yes             Yes             Yes


Yes               Yes                 Yes              Yes             Yes             Yes


No                Yes                 Yes              Yes             Yes             Yes


EC$1,521.4m       Not Available                                     XAF              off
                                      86 billion EGP US $ 105,929,790.00 2138 milliards balance sheet items 5 803 mln euros (co


No                Not Available       Yes              Yes             No              Yes


Yes               Yes                 Yes              Yes             No              Yes


                Incarceration, or to imprisonmentadministrative penalties the position or to both
                                Penalties can reached to sanction, license suspension transferring the case to the court.
                                                   moral a dismissal from two Not
                                                                  exceeding
Fine not exceeding $15,000.00 economic penalties,//for a term not Not Applicable yearsAvailable //such fine and imprisonment


No                Yes                 No               No              No              No


Not Applicable                    2 Not Applicable Not Applicable Not Applicable Not Applicable


No                No                  Yes              Yes             No              No


Not Available                 10                   6              10 Not Available                   2


Not Available                     0                1 Not Available     Not Available                 0
No             Yes             Yes             Yes             No              Yes


No             Yes             No              Yes             No              Yes


No             No              No              Yes             No              No




Yes            Yes             Yes             Yes             Yes             Not Available


No             No              No              Yes             No              Not Available


Yes            Yes             Yes             Yes             Not Available   Yes


Yes            Yes             Yes             Yes             Yes             Yes


Yes            Yes             Yes             No              Yes             Yes


Yes            No              Yes             No              Yes             Yes


Yes            Yes             Yes             No              Yes             No


               in existence within each //particular territory
                               Banking law andlaw of Banks     Not Available
The Banking Actmonetary and financial law 18302 other CBE regulations          Credit institutions Act


No             No              No              No              No              No


No             Yes             Yes             Yes             Yes             Yes


Yes            No              Yes             No              Yes             Yes


No             No              No              No              No              No


No             No              No              No              Yes             No


No             No              No              No              No              No
cy proceedings against a //bank if it has established that a bank is insolvent. When the competent court //passes the decision on opening the


             No               Yes             Yes              Yes             Yes              Yes


             Yes              No              No               Yes             Yes              No


             No               No              No               No              No               No


             No               No              No               No              No               No


             No               No              No               No              No               No




             No               Yes             Yes              Yes             Yes              Yes


             Yes              Yes             Yes              Yes             No               Yes


             Yes              No              No               Yes             Yes              No


             No               No              No               No              No               No


             No               No              No               No              No               No


             No               No              Yes              No              No               No


he banking commission


             Yes              Yes             Yes              Yes             Yes              Yes


             Yes              No              No               Yes             Not Available    No


             No               No              No               No              No               No


             No               No              No               No              No               No
No    No    No    No    No              Not Available




Yes   Yes   Yes   Yes   Yes             Yes


Yes   No    No    Yes   Not Available   No


No    No    No    No    No              No


No    No    No    No    Yes             No


No    No    No    No    No              Not Available




Yes   Yes   No    Yes   Yes             Yes


Yes   No    No    No    No              No


No    No    No    No    No              No


No    No    No    No    No              No


No    No    No    No    No              No




No    Yes   No    No    No              No


No    No    No    No    No              No


No    No    No    No    No              No


No    No    No    No    No              No
            No                No              No                  No               No                Not Available


zech Republic


                          0                 1 Not Available                    0                   3 Not Available


                          0          0.245 Not Available                       0            0.014 Not Available


                          0                 2 Not Available                    0                   0 Not Available


                          0          0.135 Not Available                       0                   0 Not Available


                          0                 3 Not Available                    0                   3 Not Available


                          0 Not Available                     6                0            0.119 Not Available


                          0 Not Available                0.02 Not Available        Not Available     Not Available


            Not Applicable Not Available      6 months            Not Applicable               12 Not Available


            No                No              No                  Yes              Yes               Yes


            Yes               No              Yes                 No               Yes               Yes


            No                No              No                  No               No                No


            No                Yes             No                  No               No                No


            Yes               No              No                  No               No                Not Available


            Minister of Finance


            No                No              No                  No               No                No


            Yes               No              Yes                 Yes              No                No
Yes            Yes             Yes              Yes             Yes              Yes


                                             content the contentious administrative court of the monetary and financial thing
             0 0, because there has not been 3 Not Available                 1 Not Available




Yes            No              Yes              No              No               Yes


No             Yes             No               Yes             Yes              Yes


No             No              No               No              No               No


No             No              No               No              No               Yes


Not Applicable Not Applicable Not Applicable                    Not Applicable Estonian Financial Supervision Authority
                                                Supervision of the Financial System


No             Yes             Yes              Yes             No               Yes


                               Central      UPERINTENDENCIA OF THE FINANCIAL SYSTEM
Not Applicable Supervision of Banks Bank of Egypt      Not Applicable Estonian Financial Supervision Authority


No             No              No               Yes             Yes              No


Yes            No              No               No              No               No


No             No              No               No              No               No


No             Yes                            No              No
                               Yes (The President of the Republic)               Yes


No             Yes             Yes              Yes             Yes              No


Yes            No              No               No              No               No


No             No              No               No              No               No


No             No              No               No              No               No
No              No               No               No             No               Yes


Yes             Yes              Yes              Yes            Yes              Yes


5 Years         2 years                         5
                                 4 years renewableyears          5 years                       4


No              No               Yes              Yes            Yes              No


Yes             No               No               No             No               No


No              No               No               No             No               No


No              No               No               No             No               No


Yes             Yes              No               No             No               Yes




No              Yes              Yes              Yes            Yes              Yes


Not Applicable Yes               Not Available    Yes            Yes              Yes


Not Applicable No                Not Available    No             No               No


Not Applicable No                Not Available    No             No               No


Not Available              200              340              117 Not Available                25


Not Available   Not Available    "2/3"                         4 Not Available               2.5


Not Available                  Not Available US $8,332,121.00
                Each bank's quota equlas 1/6 of 1% of its assets. Not Available   3 400 000 USD


Not Available   Not Available                   0.50 BANCO CENTRAL DE RESERVA//50% BANCO entities
                                                                 CBE budget.
                                 Resources are available through Not Available Fees from supervisedCOMERCIALES


Less frequently Annually         Every two years Annually        every 2 years    Every two years
Not Available   80% of the total             208 39% of the total Not Available   Not Available


Not Available                12               15               9 Not Available    Not Available


Yes             Yes                Yes             Yes           Not Available    Yes


Yes             Not Available      Yes             Yes           Not Available    No


                the superintendent board
                                CBE            THE SUPERINTENDENT commission of central africa
The minister on the recommendation of the Central Bank     the banking Not Applicable


Not Available                   0 Not Available                0 Not Available    Not Available


No              No                 No              Yes           No               No


No              Yes                Yes             Yes           Yes              Yes
Ethiopia              Fiji              Finland           France         Gabon           Germany




                 Ethiopia     Financial        The Authority the finance ministry, after consulting with the banking commi
                                                                                  Federal Financial funds
National Bank ofThe Reserve Bank of Fiji Supervisioncommittee of credit institutions and investmentSupervisory Authority (BaF


No                    No                No                No             No              No


No                    Yes               No                Yes            No              No


                              1995 restricts                 2 business' only.
Not Applicable The Banking ActNot Applicable banks to 'banking Not Applicable Not Applicable


                  9                 5                12              294 Not Available             251

                                                          3610 443                       2.590.229 mio
Birr 51.5 billion F$2.9 billion         173,3 EURbn                      Not Available
                                                          GEUR                           Euro

                                                                                         1.411.312 mio
Birr 39.3 billion F$2.6 billion         51,2 EURbn        676 816 GEUR Not Available
                                                                                         Euro

                                                                                         2.418.751 mio
Birr 20.1 billion F$2 billion           73,7 EURbn        902 051 GEUR Not Available
                                                                                         Euro

Birr 75 million       F$2 million       5 million euro    5 MEUR         XAF 1 000 M     5 Mio €


Not Available         F$2 million       5 million euro    5 MEUR         XAF 1 000 M     5 Mio €


Not Available         F$2 million       Not Available     5 MEUR         XAF 1 000 M     5 Mio €


No                    Yes               No                Yes            Yes             No


No                    Yes               No                Yes            No              Yes


Yes                   No                Yes               No             Yes             Yes


No                    No                Yes               No             Yes             No


Yes                   Yes               Yes               Yes            Yes             Yes
Yes       Yes               Yes       Yes      Yes             Yes


Yes       Yes               Yes       Yes      Yes             Yes


No        Yes               Yes       Yes      Yes             Yes


Yes       Yes               Yes       No       Yes             Yes


Yes       Yes               Yes       Yes      Yes             No


No        Yes               No        Yes      Yes             Yes


No        Yes               Yes       Yes      Yes             No


      1                 2         6         20 Not Available         130


      0 Not Available             0          0 Not Available          0


      1 Not Available             6         20 Not Available         130


      0                 1         0          0 Not Available          0


      0                 0         1         15 Not Available         253


      0                 0         0          0 Not Available          0


      0                 0         0          6 Not Available          0


      0                 0         0          0 Not Available          0


      0                 0         0          0 Not Available          0


      0                 0         1          8 Not Available         20


      0                 0         0          0 Not Available          0
             0                 0                0              0 Not Available                    0


             0                 0                3              1 Not Available                   33


             0                 0                1              0 Not Available                    0


             0                 0                0              0 Not Available                   38


             0                 0                0              0 Not Available                  200


             0                 0                0              0 Not Available                    0


             0                 0                0              0 Not Available                   18


Not Applicable Not Available       Not Applicable Not Applicable Not Available       Not Applicable


Not Applicable Not Available       Not Applicable Not Applicable Not Available       Not Applicable


Not Applicable Not Available       Not Applicable Not Applicable Not Available       Not Applicable


Not Applicable Not Available       Not Applicable Not Applicable Not Available       Not Applicable


Not Applicable Not Available       Not Applicable Not Applicable Not Available       The entry in the German market through the


Yes              No                No               No             No                No


Yes              No                No               No             No                No


Yes              No                No               No             No                No


Yes              Yes               No               No             No                No


Not Applicable                 1                1              1                 1                1
Yes                  Yes                No                 No                  No                  No


Not Available                        Not Applicable Not Applicable via Applicable and his relatives
                     An individual may own up to 0.15. If ownership is Not an individualNot Applicable this is limited to 0.30 or 0.5


Yes                  Yes                Yes                Yes                 Yes                 Yes


Not Available                     0.5                  1                   1                   1                   1


Not Available        Yes                No                 No                  No                  No


Yes                  No                 Yes                Yes                 Yes                 Yes


Yes                  No                 Yes                Yes                 Yes                 Yes


Restricted           Prohibited         Unrestricted       Permitted           Prohibited          Permitted


Not Available        100% or F$221 million       0.866 Not Available           Not Available       Not Available


Restricted           Prohibited         Unrestricted       Permitted           Unrestricted        Permitted


             0.92                  1             0.981             0.6627 Not Available                    0.7429


               0.9                 1             0.992             0.6489 Not Available                    0.7224


Not avilable                   0.905             0.798                 0.527 Not Available                 0.3569




Not Available                                   0.08
                     8% of Tier 1 and Tier 2 Capital Not Available                          0.08 8 % (12,5 % for newly established banks in t


Yes                  Yes                Yes                Yes                 Yes                 Yes


No                   Yes                No                 Yes                 No                  No


No                   No                 No                 Yes                 No                  No
No                  No            No            No                No                No


No                  No            No            No                Not Available     No


Not Applicable Not Applicable Not Applicable Not Applicable Not Available           Not Applicable


        0.1146             0.12         0.172           0.1187 Not Available                  0.117


Not Available             0.096          0.15            0.075 Not Available                  0.076


Not Available       Yes           Yes           Yes               Yes               Yes


Not Available       No            No            No                No                No


Not Available                1             1 Not addressed                        1 45 % for real estate, 35 % for securities




         0.735               0             0             0.003 Not Available                 0.3999


Not Available                1          0.572            0.155 Not Available                 0.0653


                2            0             0                    4 Not Available                 498


Not Available                5             3               161 Not Available                    238


No                  No            Yes           Yes               No                Yes


No                  No            Yes           Yes               No                Yes


No                  No            Yes           Yes               No                Yes


Yes                 Yes           Yes           Yes               No                Yes


Yes                 No            No            Not Available     Not Available     Yes
             0.72                0                  0                0.001 Not Available           0.4054


Not Available                    1               0.427               0.141 Not Available           0.0625


             0.54                0                  0                0.006 Not Available           0.4023


Not Available                    1               0.414               0.149 Not Available               0.065




Prohibited          Restricted       Permitted           Unrestricted      Unrestricted    Unrestricted


Not Available       Prohibited       Restricted          Restricted        Prohibited      Restricted


Prohibited          Restricted       Permitted           Restricted        Prohibited      Unrestricted


Restricted          Permitted        Permitted           Permitted         Permitted       Permitted




Yes                 Yes              Yes                 Yes               Yes             Yes


Yes                 Yes              Yes                 Yes               Yes             Yes


Yes                 Yes              Yes                 Yes               No              No


No                  Yes              No                  Yes               Yes             Yes


Yes                 Yes              Yes                 Yes               Yes             Yes


Yes                 Yes              Yes                 Yes               Yes             Yes


Not Available       Yes              Yes                 Yes               Yes             Yes


Not Available       Yes              Yes                 Yes               Yes             Yes
Not Available   Yes             Yes              Yes              Yes              Yes


Not Available   No              No               No               No               No


Not Available   No              No               Yes              Not Applicable No




Yes             Yes             No               Yes              No               Yes


No              No              Not Applicable Yes                Not Applicable Yes




No              No              No               Yes              Yes              No


Yes             Yes             Yes              Yes              Yes              Yes


                 25% of Total for related party & 35% of capital 45%relatedcapital % of overall capital
25 % for singel borrower, 15%Capital                                            25
                                            0.25 25% for aggregated of net parties


Not Available   No              No               No               No               No


No              No              No               No               No               No


Yes             No              No               No               No               No


Yes             Yes             Yes              Yes              Yes              Yes


               Banks are required the form Reserve Bank of //Fiji Act to 2 yearsStatutory 3% of 1998/15); //(SRD) with the 2
                               Minimum reserves obligations less than hold a //2818/18, reserves: Art. 19 reserve ratio t
                                                2% of deposits 5% on sight nr. Minimum ECB term deposits
                                                                                 term.
5% reserve requirement and 15% in under theof //liquid assets. (EC regulation deposits and Reserve DepositA of the bylaws ofR


Not Available   Yes             Yes              Yes              Yes              Yes


Not Available                    ECB linked the the average rate of the BCE for0 is presently of Dec. 2005).Holdings of require
                                                    main refinancing operations     2,07% (as 3.25%. Exchange //Settlement b
                Interest on the SRD israte for to the RBF 91day //note rate, which refinancing operations during the reserve per


No              Yes             No               Yes              No               No
                                Not Applicable Not Available.
Not Applicable Our figures on this are not clear at this stage.       Not Applicable Not Applicable


No                  No            No              No                  No              No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Not Available             0.071           0.379                0.23 Not Available     Not Available


Not Available             0.071           0.554               0.241 Not Available     Not Available


Not Available             0.085           0.008               0.019 Not Available             0.0136


Not Available             0.853           0.271               0.187 Not Available             0.5449


                0             0            0.14               0.096                 0 Not Available




No                  No            Yes             Yes                 No              Yes


Not Applicable Not Applicable the banks           the banks           Not Applicable the banks


Not Applicable Not Applicable Yes                                   ex Applicable ex ante and ex post
                                                  regular intervals,Not ante


Not Applicable Not Applicable Yes                 Yes                 Not Applicable No


Not Applicable Not Applicable            0.0018           0.0018 Not Applicable Not Available


Not Applicable Not Applicable Not Available       Not Available       Not Applicable Not Available


                                              bank per client
Not Applicable Not Applicable 25 000 euro per Not Available Not Applicable                     20000


Not Applicable Not Applicable Yes                 Yes                 Not Applicable Yes


                                              bank per client Not Applicable Euro 20,000 (10% retention rate)
Not Applicable Not Applicable 25 000 euro per 70 000 EUR
Not Applicable Not Applicable No                  No              Not Applicable Yes


Not Applicable Not Applicable Yes                 No              Not Applicable No


Not Applicable Not Applicable No                  No              Not Applicable No


Not Applicable Not Applicable No                  No              Not Applicable No


                                             The deposit the Not Applicablethe banking commission to intervene.
                                                               Financial ask BaFin
Not Applicable Not Applicable The Central Bank of Finland, insurer has to //Supervision Authority and the Ministry of Finance


Not Applicable Not Applicable No                  No              Not Applicable No


Not Available                   0         0.364 Not Available     Not Available   Not Available


Not Available                   0             0                 0 Not Available                   5


Not Available                   0             0                 0 Not Available                   0


Not Applicable Not Applicable Not Available       Yes             Not Applicable Yes


                                              legislation: 3 jure Applicable Not Available
                                                                Not
Not Applicable Not Applicable According to our2 months, de months, max 1 year


Not Applicable Not Applicable Not Available                     0 Not Applicable Not Available


Not Available   Not Available       No            No              Not Available   Yes


Not Applicable Not Applicable No                  Yes             Not Applicable No


Not Applicable Not Applicable No                  Yes             Not Applicable No


Not Applicable Not Applicable No                  No              Not Applicable No


Not Applicable Not Applicable Yes                 Yes             Not Applicable No


Not Applicable Not Applicable No                  No              Not Applicable No
Not Applicable Not Applicable No                 No              Not Applicable No


Not Applicable Not Applicable Yes                Yes             Not Applicable Yes




Yes                 Yes           Yes            Yes             Yes             No


Yes                 Yes           Yes            Yes             Yes             No


No                  Yes           No             No              No              Yes


No                  No            No             Yes             No              Yes


            90                                   Not Available Not Available
                            90 This classification not in use in Finland         Not Applicable


           180             180 Not Applicable               30               90 Not Applicable


           360             365 Not Applicable              360 Not Available     Not Applicable


            0.2                                   Not Available Not Available
                            0.2 This classification not in use in Finland        Not Applicable


            0.5             0.5 Not Applicable Not Available                0.25 Not Applicable


                1            1 Not Appilcable Not Available      Not Available   Not Applicable


         0.173            0.011         0.0015          0.0114 Not Available             0.0269


Yes                 Yes           No             Yes             Yes             No


Not Available             0.016          0.014          0.0155 Not Available             0.0093


Not Available             0.013          0.024          0.0106 Not Available             0.0111


                Specific provisions
                                 Specific provisions
                                                  Specific provisions
                                                                   Specific provisions
                                                                                    General provisions
General provisions can be deductedcan be deductedcan be deductedare deductible are deductible can be deducted but limi
            0.3              0.31             0.26             0.33 Not Available    No fixed rate.


Not Available                0.31             0.26 Not Available     Not Available   No fixed rate.




Yes               Yes               Yes               Yes            Yes             Yes


No                No                Yes               Yes            No              Yes


            90                                    Not Available                90 No if national standards are requirement in
                           90720 If IFRS are applied to a bank then according to IFRS,corresponding accountingapplied then af


Not Available     Yes               Yes               Yes            Yes             Yes


Not Available     Yes               Yes               Yes            Yes             Yes


No                No                Yes               Yes            Yes             Yes


Not Available                      1.952.486 million euro
                                                     Not Available
                  F$667.9 million (not publicly available)                           1.062.265 mio Euro
                                                                     XAF 2138 milliards


Not Available     No                Yes               Yes            No              Yes


Not Available     Yes               Yes               Yes            No              Yes


Not Available                        Not Available    5 years of //F$1,000 per day during year the section 2 no. Euro fine
                                                                        Not Applicable Paragraph 56 contravention Banking
                  An initial fine of F$5,000 and a further fineof prision 37000 EURo fine/1whichprision and 150005//occurs. Act: F


Not Available     No                No                Yes            No              No


Not Available                   0 Not Applicable Not Available       Not Applicable Not Applicable


No                No                No                No             No              No


Not Available                   0                 1              10 Not Available                 10


Not Available                   0                 0 Not Available    Not Available                10
Not Available   No             Yes             Yes            No              Yes


Not Available   No             Yes             No             No              Yes


Not Available   No             Yes             Yes            No              Yes




Not Available   Yes            No              No             Yes             No


Not Available   No             Yes             No             No              No


Not Available   Yes            No              Yes            Not Available   Yes


Yes             Yes            Yes             Yes            Yes             Yes


Not Available   No             No              No             Yes             No


Not Available   No             No              No             Yes             No


No              No             No              No             Yes             No


Not Available                  1995 and the Chapter 6 of (Cap Available laws 1665/1951,2076/1992 and 3458/2006
                                                            commercial code, chapter 4 article 3 section 6 of the Moneta
                The Banking ActCompany law Companies Actthe Not//247)


Not Available   No             No              No             No              No


Not Available   Yes            Yes             No             Yes             No


Not Available   Yes            Yes             Yes            Yes             Yes


Not Available   No             No              No             No              No


Not Available   No             No              No             Yes             No


Not Available   Yes            Yes             No             No              No
                              The Minister for Finance on the advice of the Reserve Bank of Fiji tru
                                               Registry Office
ourt //passes the decision on opening the bankruptcy proceedings, it also apoints a //bankruptcy may order //that the licensed financial institu


             Yes              Yes              Yes              No               Yes              Yes


             Yes              Yes              Yes              Yes              Yes              Yes


             No               No               No               No               No               No


             No               No               No               No               No               No


             No               Yes              Yes              No               No               No


                                                the Reserve Bank appoints a Controller under the Banking Act //to look after the operations of
                              In the event that Registry Office


             No               No               Yes              No               Yes              Yes


             Yes              Yes              Yes              Yes              No               No


             Yes              No               Yes              Yes              Yes              Yes


             No               No               No               Yes              No               No


             No               No               No               No               No               No


             No               Yes              Yes              No               No               No


                                            Registry Office
                              The Reserve Bankappointed Controller of the institution may also do this but //again such powers are only exe


             Yes              Yes              Yes              No               Yes              Yes


             No               Yes              Yes              No               Not Available    Yes


             No               No               No               No               No               No


             No               No               No               No               No               No
No              No              Yes               No              No               No


                Not Available   Registry Office


Yes             Yes             Yes               Yes             Yes              No


No              Yes             Yes               No              Not Available    No


No              No              No                No              No               No


No              No              No                No              Yes              No


No              Yes             Yes               No              No               No


                              Registry Office
                The Reserve Bank can remove/replace directors of locally incorporated licensed //financial institutions only.


Yes             Yes             Yes               No              Yes              Yes


No              No              Yes               No              No               No


No              No              No                No              No               No


No              No              No                No              No               No


No              No              No                No              No               No




Not Available   No              No                No              No               No


Not Available   No              No                Yes             No               No


Not Available   No              No                No              No               No


Not Available   No              No                No              No               No
Not Available   No                  No                  No                  No                  No


Not Available


Not Available                   0                   0                   0                   3                   7


Not Available   Not Available                       0                   0            0.014 Not Available


Not Available                   0                   0                   0                   0                   3


Not Available   Not Available                       0                   0                   0                   2


Not Available                   1                   0                   0                   3 Not Available


Not Available            0.061                      0                   0            0.119 Not Available


Not Available   Not Available       Not Available       Not Available       Not Available       Not Available


Not Available   Not Available       Not Available       Not Available                   12 Not Available


No              Yes                 Yes                 Yes                 Yes                 No


Yes             Yes                 Yes                 Yes                 Yes                 Yes


No              No                  No                  No                  No                  No


No              No                  No                  No                  No                  No


No              No                  Yes                 No                  No                  No


                                    Registry Office


Not Available   No                  No                  No                  No                  No


Yes             No                  Yes                 Yes                 No                  Yes
Not Available   Yes              Yes          Yes             Yes             Yes


Not Available                0              0 Not Available               1               1




Yes             Yes              No           No              No              Yes


No              No               Yes          Yes             Yes             Yes


No              No               No           No              No              No


No              Yes              No           No              No              Yes


                             Not Applicable Not Applicable Not Applicable BaFin
Not Applicable The Reserve Bank of Fiji


Not Available   Yes              Yes          Yes             No              Yes


Not Available                 Rahoitustarkastus, Finansinspektionen, (FinancialBaFin
                The Reserve Bank of Fiji                     Not Applicable Supervision Authority)
                                              Banking Commission


No              No               No           No              Yes             No


No              Yes              No           No              No              Yes


No              No               Yes          No              No              No


Yes             Yes              No           Yes             No              No


No              No               Yes          No              Yes             Yes


No              No               No           Yes             No              No


No              No               No           No              No              No


No              No               No           No              No              No
Yes                 Yes                No              No              No              No


Not Available       Yes                No              Yes             Yes             No


Not Available                      the Reserve Bank has a renewable contract period ofApplicableOther Board Directors have a
                    The Governor ofNot Applicable Not Available 5 years          Not 5 years.


Not Available       No                 Yes             No              Yes             Yes


Not Available       No                 No              No              No              No


Not Available       No                 No              No              No              No


Not Available       No                 No              No              No              No


Not Available       Yes                No              No              No              No




No                  No                 Yes             Yes             Yes             Yes


Not Applicable Not Applicable Yes                      Yes             Yes             Yes


Not Applicable Not Applicable Yes                      Yes             No              Yes


Not Applicable Not Applicable Yes                      Yes             No              Yes


               18                                                   160 Not Available BaFin 450; Bundesbank 1003
                                 17 138 (total staff incl. securities markets supervisors


                3                                                 banks with low risk           0.74
                                     2 Risk based approach: small 900 Not Available are supervised mainly offsite. In other banks o


Not avilable        F$1.95 million     15 820 000 euro58 465 000 EURNot Available      BaFin: 130.487.000 €; Bundesbank: Not Ava


Not Available                      The Reserves of theBank of France (Central Bank of France)
                                                    The FINFSA are funded Numismatics and //Advances).
                                                                   Not Available BaFin1.Apportionment paid by //fees from su
                    Income from Foreign operations and Other Income (Rental, by levying supervision and processing supervised e


Every two years Every two years Annually               Once per year every 2 years     Every two years
                2                0               66                50 Not Available      Not Available


                5                5              10.3                   6 Not Available   Not Available


Not Available       Yes              Yes               Not Available     Not Available   Yes


Not Available       Yes              Yes               No                Not Available   No


Not Available                      the Reserve     the           the banking commission of central africa
                    The Governor ofNot Available Bank banking commission        Not Applicable


Not Available       No record        Not Available     Not Available     Not Available   Not Applicable


No                  No               No                No                No              No


Not Available       No               Yes               Yes               Yes             Yes
Ghana             Gibraltar         Greece           Grenada         Guatemala        Guernsey




              Commissioner for Banking//Financial Ministers Commissionereach Guernsey Financial Services Commission
The Bnak of Ghana                            The              Monetary       of
                             BANK OF GREECE Services of Finance ofCouncil the eight //territories that form the Eastern


Yes               No                No               No              No               No


Yes               Yes               Yes              Yes             No               Yes


                 Four one for deposit taking activities, another to undertakeseparate regulations activities, another for insurance
                                                 2 insurance         Not are investment
3 in respect of banking, securities operations and Not Available There Applicable Fourservices and licencing requirements for


             20                18                21 Not Available                26               50

¢36,790 billion                     EUR 220988                       $ 11687.9
(US$4.02          GBP 6.7Bn                          Not Available                    GBP87842mn
                                    million                          millones
billion)
¢23,918 billion                     EUR 133981                       $ 8856.9
(US$2.61          GBP 3.5Bn                          Not Available                    GBP80728mn
                                    million                          millones
billion)
¢17,934 billion                     EUR 148799                       $ 5741.2
(US$1.96          GBP 2.2Bn                          Not Available                    Not Available
                                    million                          millones
billion)
¢70 billion                                          EC$5.0m /
                  Euro 5 Million    EUR 18 million                   $ 13.8 millones £5MN
(US$8 million)                                       US$1.852m

¢70 billion                                          EC$5.0m /
                  Euro 5 Million    EUR 18 million                   $ 13.8 millones £5MN
(US$8 million)                                       US$1.852m
                                    EUR 9 million    Assigned
Not permissible Euro 5 Million      below 4          capital of      $ 13.8 millones no minimum
                                    branches,        EC$5.0m /

Yes               Yes               Yes              Yes             Yes              Yes


Yes               Yes               Yes              Yes             Yes              Yes


Yes               No                Yes              No              No               Yes


No                No                Yes              No              No               No


Yes               Yes               Yes              Yes             Yes              Yes
Yes       Yes            Yes      Yes             Yes       Yes


Yes       Yes            Yes      Yes             Yes       Yes


Yes       Yes            Yes      Yes             Yes       Yes


Yes       Yes            Yes      Yes             Yes       Yes


Yes       Yes            Yes      Yes             Yes       Yes


Yes       Yes            Yes      Yes             Yes       Yes


Yes       Yes            No       Yes             Yes       Yes


      6              0         10 Not Available         1              0


      1 Not Applicable          1 Not Available         0 Not Applicable


      2 Not Applicable          8 Not Available         1 Not Applicable


      3 Not Applicable          1 Not Available         0 Not Applicable


      9              1          9 Not Available         1              9


      3              0          0 Not Available         0              0


      6              0          1 Not Available         1              0


      2              0          0 Not Available         0              0


      0              0          0 Not Available         0              0


      3              0          0 Not Available         0              7


      1              0          0 Not Available         0              0
                0               0                 0 Not Available                    0              0


Not Available                   1                 8 Not Available                    0              2


Not Available                   0                 0 Not Available                    0              0


Not Available                   0                 0 Not Available                    0              0


                1               0                 0 Not Available                    0              0


                0               0                 0 Not Available                    0              0


                0               0                 0 Not Available                    0              0


Yes                 Not Applicable Yes              Not Available       Not Applicable Not Applicable


Yes                 Not Applicable No               Not Available       Not Applicable Not Applicable


Yes                 Not Applicable No               Not Available       Not Applicable Not Applicable


Yes                 Not Applicable Yes              Not Available       Not Applicable Not Applicable


                 Not Applicable and            Not Available
Nolocal participationon the BoardNo senior //management.                Not Applicable Not Applicable


No                  No              No              No                  No               No


No                  No              No              No                  No               No


Yes                 No              No              No                  No               No


No                  No              No              No                  No               No


                1               1 Not Available                     1                1              1
No                  No                  No                  Yes                 Yes                 No


Not Available                                                                 0.99 additional amount.
                    Not Applicable Not Applicable 0.20 Approval is required for any At least two individuals required to oversee t


Not Available       Yes                 Yes                 Yes                 Yes                 Yes


                1                   1                   1 0.20 of voting rights                 1                   1


No                  Not Available       No                  Yes                 No                  Not Available


Yes                 Yes                 Yes                 Yes                 Yes                 No


Yes                 Yes                 Yes                 Yes                 Yes                 Not Available


Permitted           Permitted           Permitted           Restricted          Restricted          Not Available


        0.8642                      1 Not Available         Not Available                    0.84                   0


Permitted           Permitted           Permitted           Permitted           Restricted          Not Available


        0.6154 Not Available                        0.655 Not Available                      0.63              0.61


        0.8645 Not Available                        0.656 Not Available                      0.61 Not Available


            0.892 Not Available                        81 Not Available                      99.7 Not Available




              0.1               0.12                 0.08                0.08                 0.1              0.08


Yes                 Yes                 Yes                 Yes                 Yes                 Yes


No                  No                  Yes                 No                  No                  Yes


No                  No                  No                  No                  No                  Yes
No               No                No              No              No                  Yes


No               No                No              Yes             No                  No


                                                              discontinued. Not Applicable
Not Applicable Not Applicable Not Applicable 5%, but is being Not ApplicableOnly two ECCU territories currently have this re


        0.2773 0.12 to 0.724              0.133 Not Available               0.084 Case by case basis


        0.1653            0.27            0.087 Not Available               0.048              0.1876


No               Yes               Yes             Yes             Yes                 Yes


No               No                No              No              No                  No


             1                                   Limited to 20% of50% Iof assets and financial assets to prudential criteria
                                                                    tier capital. Not defined, subject
                            0.5 As Tier II, 45% of the revaluation of fixed Tier 1 capital




          0.21                 0 Not Available     Not Available            0.035 Not Available


        0.4857                 1 Not Available     Not Available               0.1 Not Available


             3                 0                 3 Not Available                   1                   0


             8              18                   4 Not Available                   5               50


Yes              Yes               No              Yes             Not Available       Yes


Yes              Yes               Yes             Yes             Not Available       Yes


Yes              Yes               No              Yes             Not Available       Yes


Yes              Yes               Yes             Yes             No                  Yes


No               No                No              No              No                  Not Available
        0.3264                  0               0.188 Not Available               0.038 Not Available


        0.4295                  1               0.037 Not Available               0.089 Not Available


        0.2675                  0               0.184 Not Available                0.02 Not Available


        0.4325                  1               0.045 Not Available               0.113 Not Available




Restricted       Unrestricted       Unrestricted      Unrestricted    Restricted        Permitted


Restricted       Restricted         Restricted        Prohibited      Prohibited        Restricted


Restricted       Prohibited         Permitted         Prohibited      Prohibited        Prohibited


Permitted        Permitted          Permitted         Permitted       Permitted         Permitted




Yes              Yes                Yes               Yes             Yes               Yes


Yes              Yes                Yes               Yes             No                Yes


Yes              Yes                Yes               Yes             Not Available     No


Yes              Yes                Yes               Yes             Yes               No


Yes              Yes                Yes               Yes             Yes               Yes


Yes              Yes                Yes               Yes             Yes               Yes


Yes              Yes                Yes               Yes             Yes               No


Yes              Yes                Yes               Yes             No                Yes
Yes             Yes             Yes             Yes             Yes              Yes


No              No              Yes             No              Yes              No


No              No              Yes             Not Applicable No                No




Yes             Yes             Yes             Yes             No               Yes


Not Available   Yes             Yes             Not Available   Not Applicable Not Available




No              No              No              No              Yes              No


Yes             Yes             Yes             Yes             Yes              Yes


              25% of their Unsecuredsupervisory own
                             25% of                      0.25
secured:25%of Networth andcapital base 10% of networthfunds                  15 In accordance with large exposure policy


No              No              No              No              No               Not Available


No              No              No              No              No               Not Available


No              No              Yes             No              No               No


Yes             No              Yes             Yes             Yes              No


                (cash balancewith of deposit base deposits)//Secodaryof deposits subject //depositsof Ghana //securitiestaki
                                               //of            14.6% Reserve(Government/Bank by licenced deposit 15
                                                                                   excludes to reserve requirements.
Primary ReserveNot Applicable 2%regulator: 9%6% of total deposit liabilities. ThisNot Applicable


Yes             Not Available   Yes             No              Yes              Not Available


                  Not Available Marginal rate of main refinancingNot Available
                                                 Not Applicable operations
Interest is paid only on Secondary Reserves: 10%//16%                            Not Available


Yes             Yes             No              No              Yes              Yes
               Not Available    in foreign currencies                          Not Available
Primary Reserve: 9% of deposits Not Applicable Not Applicable 14.6 de las obligaciones encajables en moneda extranjera / 1


Yes              No             No                No                  Yes               Not Available


                Not Applicable Not
9% of deposits in foreign currency Applicable Not Applicable                     14.6 Not Available


        0.2443 Not Available                  0.1 Not Available                  21.8 Not Available


        0.2387 Not Available                 0.15 Not Available                  20.9 Not Available


        0.2577 Not Available                 0.13 Not Available       Not Available     Not Available


        0.6501 Not Available                 0.68 Not Available                  75.8 Not Available


             0 Not Available    Not Available                     0              53.6                   0




No               Yes            Yes               No                  Yes               No


Not Applicable the banks        the banks         Not Applicable      both              Not Applicable


Not Applicable No               Yes               Not Applicable Yes                    Not Applicable


Not Applicable No               No                Not Applicable No                     Not Applicable


Not Applicable Not Applicable               0.006 Not Applicable Not Available          Not Applicable


Not Applicable          32800 Not Available       Not Applicable                2636 Not Applicable


Not Applicable GBP 18,000       Not Available     Not Applicable               20000 Not Applicable


Not Applicable Yes              Yes               Not Applicable Yes                    Not Applicable


Not Applicable GBP 18,000       EUR 20000         Not Applicable               20000 Not Applicable
Not Applicable Yes                      No                  Not Applicable Yes                    Not Applicable


Not Applicable No                       Yes                 Not Applicable Yes                    Not Applicable


Not Applicable No                       No                  Not Applicable Yes                    Not Applicable


Not Applicable No                       No                  Not Applicable No                     Not Applicable


                              BANK OF       Not                         Not
Not Applicable Commissioner for Banking GREECE Applicable Monetary Council Applicable


Not Applicable No                       Yes                 Not Applicable No                     Not Applicable


Not Available       Not Available       Not Available                       0 Not Available       Not Available


                3                   0                   0                   0                 3                   0


                0                   0                   0                   0                 0                   0


Not Applicable No                       Yes                 Not Applicable Yes                    Not Applicable


                System has never months
                                3 been called upon Applicable Not Available
                                                 Not
Foreign currency 5yrs and local currency instantly                                                Not Applicable


5 years                              N
                    See reply to 8.4.1 ot Available         Not Applicable Not Available          Not Applicable


Yes                 No                  No                  Not Available       Yes               Not Available


Not Applicable No                       No                  Not Applicable Yes                    Not Applicable


Not Applicable No                       No                  Not Applicable Yes                    Not Applicable


Not Applicable No                       No                  Not Applicable No                     Not Applicable


Not Applicable No                       No                  Not Applicable No                     Not Applicable


Not Applicable Yes                      Yes                 Not Applicable No                     Not Applicable
Not Applicable No                 No              Not Applicable Yes                  Not Applicable


Not Applicable Yes                Yes             Not Applicable Yes                  Not Applicable




Yes               No              No              Yes               Yes               No


Yes               No              Yes             Yes               No                No


Yes               No              No              Yes               No                No


Not Available     No              No              Yes               Yes               No


90-180            Not Available              90              90                 30 Bank policy


180-360           Not Available            180              180                120 Bank policy


            360 Not Available              360              365                360 Bank policy


            0.25 Not Available              0.1              0.1                0.2 Bank policy


             0.5 Not Available              0.5              0.5                0.5 Bank policy


                1 Not Available             0.6                 1                   1 Bank policy


          0.1298 Not Available            0.042 Not Available                0.028 Not Available


No                Not Available   Yes             No                No                No


          0.0873 Not Available             0.03 Not Available       Not Available     Not Available


          0.0735 Not Available            0.006 Not Available       Not Available     Not Available


Not Available                      Specific provisions
                                                    Provisions cannot be
                                                                   Specific reserve can be provisions
                  Specific provisions can be deductedcan be deducted deducted Specificdeducted. can be deducted
           0.25            0.35              0.3 Not Available                0.31 VARIABLE


           0.25            0.35 Not Available      Not Available              0.31 VARIABLE




No                Yes             Yes              Yes             No                 Yes


No                Yes             No               No              No                 No


                                          180
             90 Only cease when balance paid off               90 Not Available       A matter for bank and auditor


Yes               Yes             Yes              No              Yes                Yes


Yes               Yes             Yes              Yes             Yes                Yes


No                No              Yes              No              Yes                Yes


                 GBP 6.2 billion Not Available
¢8,196 billion (US$895,772 )                       EC$1,521.4m     $ 1.5 millones     Not Available


No                No              Yes              No              No                 Not Available


No                Yes             Yes              Yes             Yes                Yes


               Removal from their ¢10 million prevention from //working in financial imprisonment //for a term not exceeding
                               Not Available Fine not exceeding $15,000.00 or to services in penalties
The bank bears the penalty which is position and//(US$1,093)                    Set and penal future
                                                                Administrative, civil,out in Banking Supervision Law 1994


No                Yes             Not Applicable No                Yes                No


Not Applicable                2 Not Applicable Not Applicable Not Available           Not Applicable


Not Available     No              No               No              No                 No


Not Available                10                  8 Not Available                    1 Not Available


Not Available                 0 Not Available      Not Available                    1 Not Available
No              No             Yes            No              Yes             Not Available


No              No             Yes            No              Yes             Not Available


No              No             Yes            No              Yes             Not Available




Yes             Yes            No             Yes             No              Yes


No              No             Yes            No              No              Yes


Yes             Yes            Yes            Yes             Yes             Yes


Yes             Yes            Yes            Yes             Yes             Yes


Yes             Yes            No             Yes             No              Yes


Yes             Yes            No             Yes             No              Yes


No              No             Yes            Yes             No              Not Available


             Winding up Provisions//Credit Institutions (Reorganisation &winding //up of //particular 2005 //
                                              on Banking ActLaw and Winding each credit institutions
                                                               in existence and //Up) Ordinance Code
                                                                               No
bNAKING aCT, 2004 (aCT 673) LAW 3458/2006 Thethe reorganizationof BankswithinFinancial Groups,territory Procedural Civil


No              Yes            Yes            No              No              No


Yes             No             No             No              Yes             No


Yes             Yes            No             Yes             Yes             Yes


No              No             No             No              No              No


No              No             No             No              No              No


Not Available   No             No             No              Yes             No
                                  Monetary meeting


Yes             Yes   Yes   No    Yes           Yes


Yes             Yes   Yes   Yes   Yes           Yes


No              No    No    No    No            No


No              Yes   No    No    No            No


Not Available   No    No    No    Yes           No


                                  Monetary meeting


No              Yes   No    No    Yes           No


Yes             Yes   No    Yes   Yes           Yes


Yes             Yes   No    Yes   Yes           Yes


No              No    No    No    No            No


No              Yes   No    No    No            No


No              No    No    No    Yes           No


                                  Monetary meeting


Yes             Yes   Yes   Yes   Yes           Yes


No              Yes   No    Yes   No            Yes


No              No    No    No    No            No


No              Yes   No    No    No            No
Not Available   No    No    No    No            No


                                  Monetary meeting


Yes             Yes   Yes   Yes   Yes           Yes


No              Yes   No    Yes   No            Yes


No              No    No    No    No            No


No              Yes   No    No    No            No


Not Available   No    No    No    No            No




Yes             No    Yes   Yes   No            Yes


No              Yes   No    Yes   No            No


No              No    No    No    No            No


No              No    No    No    No            No


No              No    No    No    No            No




No              No    No    No    No            No


No              No    No    No    No            No


No              No    No    No    No            No


No              No    No    No    No            No
Not Available       No                  No                  No               No                No




                3                   2                   0                0                 2                   0


Not Available               0.0185                      0                0 Not Available       Not Available


                0                   0                   2                0                 0                   0


                0                   0            0.001                   0 Not Available                       0


                0                   0 Not Available                      0                 2                   0


                0                   0 Not Available                      0 Not Available                       0


Not Available       Not Available       Not Available                    0 Not Available       Not Available


3 Months                            3 Not Available         Not Applicable Not Available       Not Available


Yes                 No                  Yes                 No               Yes               No


No                  Yes                 No                  Yes              Yes               Yes


No                  Yes                 No                  No               No                No


No                  No                  No                  No               No                No


No                  No                  No                  Yes              Yes               No


                                                                             Monetary meeting
                                                            Minister of Finance


No                  No                  No                  No               No                No


No                  Yes                 No                  Yes              Yes               Yes
Yes              Yes            Yes            Yes            Yes            Yes


             0              1              0              0              2              0




Yes              No             Yes            Yes            No             No


No               Yes            No             No             Yes            Yes


No               No             No             No             No             Yes


No               Yes            No             No             Yes            Yes


                               Not Applicable                               Guernsey Financial Services Commission
Not Applicable Financial Services Commission Not Applicable Supervision of Banks


No               Yes            Yes            No             Yes            Yes


                               Bank of Greece                               Guernsey Financial Services Commission
Not Applicable Financial Services Commission Not Applicable Supervision of Banks


No               No             No             No             No             No


Yes              Yes            No             Yes            No             No


No               No             No             No             No             Yes


No               No             No             No             Yes            No


Yes              No             Yes            No             Yes            No


No               Yes            No             Yes            No             No


No               No             No             No             No             No


No               No             No             No             No             No
No                  No                  No              No              No               Yes


Yes                 Yes                 Yes             Yes             Yes              No


4 years             3 years             6 years         5 Years         4 years          Not Applicable


Yes                 No                  No              No              No               No


No                  Yes                 No              Yes             No               No


No                  No                  No              No              No               No


No                  No                  No              No              No               No


No                  No                  Yes             Yes             No               Yes




Yes                 Yes                 Yes             No              Yes              Yes


Not Available       Yes                 Yes             Not Applicable No                Yes


Not Available       Yes                 Yes             Not Applicable Yes               No


Not Available       Yes                 Yes             Not Applicable No                No


           135                     21              142 Not Available               171                   9


                5              100 Not Available        Not Available                   5 Over 80


                 GBP 1.75 millionNot Available
¢1,879 million (US$205,361)                             Not Available   Not Available    Not Available


Central Bank        Licence fees        Not Available   Not Available                    supervised banks and the central bank
                                                                        Contributions byLicence Fees


Annually            Annually            Every two years Less frequently Annually         Every two years
Not Available             2              100 Not Available                 42.7                4


15yrs                     5               20 Not Available                  17                 9


Yes                 Yes       Not Available     Yes             Yes               Yes


Yes                 Yes       Yes               Yes             Yes               No


              The Commissioner
Management of Bank of Ghana Committee                           Not Available Not of the Central Bank
                                                The minister on the recommendation Applicable


                0         0                   0 Not Available   Not Available     Not Applicable


No                  No        Yes               No              Yes               No


No                  Yes       Yes               No              Yes               No
Guinea-Bissau Guyana           Honduras          Hong Kong, China Hungary               Iceland




               BANK OF consultation with the BCEAO and theand Insurances (CNBS) Supervisory Authority (HFSA)
                                National commission of Banks Banking Commision Financial Supervisory Authority
The Finance Ministry, after GUYANA                                 Authority
                                               Hong Kong MonetaryHungarian Financial


No                No           No                No                   Yes               No


No                Yes          No                no                   Yes               Yes


Not Applicable                2 Not Applicable Not Applicable                          2 (3 for management companies usage
                                                                      4 (foundation licence, operation licence, capital market li


Not Available     SIX (6)                   16                                                       14
                                                                  199 29 (without specialised credit institutions)

                  G$162,661    (En millones)                          HUF               ISK 5,484
Not Available                  Lempiras126,7     HKD7,247 billion     15,839,792
                  MILLION                                                               billion
                               69.6 /                                 million
                  G$140,168    (en millones)                          HUF               ISK 1,128
Not Available                  Lempiras78,46     HKD4,068 billion     8,731,096
                  MILLION                                                               billion
                               0.1 /                                  million
                  G$49,638     (En millones)                          HUF               ISK 3,928
Not Available                  Lempiras67,30     HKD2,312 billion     9,987,221
                  MILLION                                                               billion
                               0.4 /                                  million
                  G$250        (En millones)                                            ISK 450 mill.
           0.00                                  HKD300 million       HUF 2 billion
                  MILLION      L200 / US$10.6                                           (EUR 5 mill)

                  G$250        (En millones) The 3 types of                             ISK 450 mill.
           0.00                                                       HUF 2 billion
                  MILLION      L200 / US$10.6 authorization in                          (EUR 5 mill)
                                              Hong Kong and
                  G$250        (En millones)                          HUF 2 billion     ISK 450 mill.
Not Available                                 HKD300 million                            (EUR 5 mill)
                  MILLION      L200 / US$10.6                         (no within EU)
                                                                                        from inside the

Yes               Yes          Yes               No                   Yes               Yes


Yes               Yes          Yes               No                   Yes               No


Yes               Yes          Yes               Yes                  No                No


No                No           No                No                   No                No


Yes               Yes          Yes               Yes                  Yes               Yes
Yes             Yes              Yes            Yes                 Yes              Yes


Yes             Yes              Yes            Yes                 Yes              Yes


Yes             Yes              Yes            Yes                 Yes              Yes


Yes             Yes              Yes            Yes                 Yes              Yes


Yes             Yes              Yes            Yes                 Yes              Yes


Yes             Yes              Yes            No                  Yes              Yes


Yes             Yes              Yes            No                  Yes              Yes


Not Available                0              0                  0                 0         1


Not Available   Not Applicable Not Applicable Not Applicable        Not Applicable         0


Not Available   Not Applicable Not Applicable Not Applicable        Not Applicable         1


Not Available   Not Applicable Not Applicable Not Applicable        Not Applicable         0


Not Available                3              3                  43               47         0


Not Available                1              1                  0                 2         0


Not Available                3              0                  5                40         0


Not Available                1              0                  0                 2         0


Not Available                2              0                  0                 0         0


Not Available                0              1                  2                 3         0


Not Available                0              0                  0                 0         0
Not Available            0         0                    0                    3                0


Not Available            0         0                    30                   4                0


Not Available            0         0                    0                    0                0


Not Available            0         0                    1                    0                0


Not Available            0         2                    6                    0                0


Not Available            0         1                    0                    0                0


Not Available            0         0                    0                    0                0


Not Available       No       No        Not Applicable        Not Available       Not Applicable


Not Available       No       No        Not Applicable        Not Available       Not Applicable


Not Available       No       Yes       Not Applicable        Not Available       Not Applicable


Not Available       No       Yes       Not Applicable        Not Available       Not Applicable


Not Available       No       No        Not Applicable        Not Available       Not Applicable


No                  No       No        No                    No                  No


No                  No       No        No                    No                  No


Yes                 No       No        No                    No                  No


No                  No       No        No                    No                  No


                1        1         1                    1                    1                1
No                  No                 No                 No                     No                  No


Not Applicable Not Applicable Not Applicable Not Applicable                      Not Applicable Not Applicable


Yes                 Yes                Yes                Yes                    Yes                 No


                1                 1                   1                                        maximum percentage defined in the Hu
                                                                            1 There is no suchNot Applicable


No                  No                 No                 Not Available          No                  No


Yes                 Yes                Yes                Yes                    Yes                 Yes


Yes                 Yes                Yes                Yes                    Yes                 Yes


Permitted           Permitted          Permitted          Restricted             Permitted           Permitted


Not Available                    0.8                  1 Not Available                            1
                                                                                 0.0489, Number:<30% in 3 banks


Permitted           Permitted          Permitted          Permitted              Permitted           Permitted


Not Available                   0.97               0.68 Not Available                    0.6694                    1


Not Available                   0.97               0.66 Not Available                        0.634                 1


Not Available       24/25                          0.96                     1            0.8412                  0.95




            0.08                0.08                0.1                   0.08                0.08               0.08


Yes                 Yes                Yes                Yes                    Yes                 Yes


No                  No                 No                 No                     Yes                 Yes


No                  No                 No                 No                     Yes                 Yes
No              No                No              No                   No               No


No              No                No              No                   No               No


Not Applicable Not Applicable Not Applicable Not Available             Not Applicable Not Applicable


Not Available             0.144          0.1456 Not Available                  0.1081          0.125


Not Available              0.15          0.1072 Not Available                  0.1094          0.102


Yes             Yes               Yes             Yes                  Yes              Yes


No              No                No              No                   No               No

                                                Revaluation gains
                         0.45 50% revaluationallowed as part of As to the Tier 2 capital in in other words, subamount ex
                                                 , counted in capital up and Tier Two of tier 1 The 1
                                                                                                    Tier Two total debt in of
might be complementary capital probably tier 2 areup to 25% of Tier Onepart ofamount Capital. 100%, but the Capital is accep
                                                regulatory capital




Not Available                 0               0                    0                0              0


Not Available              0.58            0.33 No Available                   0.9606              0


Not Available                 0               1                    0                0              0


Not Available                 3                                                  29
                                              7 122 AIs are incorporated outside Hong Kong         0


Yes             Yes               Yes             No                   Yes              Yes


Yes             No                Yes             Yes                  Yes              Yes


Yes             No                No              Yes                  Yes              Yes


Yes             Yes               Yes             Yes                  Yes              Yes


No              No                Yes             No                   Yes              No
Not Available                 0                    0                  0                  0                0


Not Available                0.6                0.27 Not Available                0.9852                  0


Not Available                 0                    0                  0                  0                0


Not Available   0.290.50                         0.3 Not Available                0.9729                  0




Restricted      Prohibited         Permitted           Unrestricted       Unrestricted       Permitted


Restricted      Prohibited         Restricted          Unrestricted       Prohibited         Permitted


Permitted       Prohibited         Restricted          Unrestricted       Prohibited         Prohibited


Restricted      Restricted         Restricted          Permitted          Permitted          Permitted




Yes             Yes                Yes                 Yes                Yes                Yes


Yes             Yes                Yes                 Yes                Yes                Yes


No              Yes                Yes                 No                 Yes                Yes


Yes             Yes                Yes                 Yes                Yes                Yes


Yes             Yes                Yes                 Yes                Yes                Yes


Yes             Yes                Yes                 Yes                Yes                Yes


Yes             Yes                Yes                 Yes                Yes                Yes


Yes             Yes                Yes                 Yes                Yes                Yes
Yes             Yes             Yes             Yes                 Yes             Yes


Yes             Yes             No              No                  Yes             Yes


Not Available   No              No              No                  No              No




Yes             Yes             Yes             Yes                 Yes             Yes


Not Available   No              No              No                  Yes             No




Yes             No              No              Yes                 No              No


Yes             Yes             Yes             Yes                 Yes             Yes


75% of equity                    Up to 30% of the bank's own resources for related groups of the capital base
                                                 Related (unsecured) 2% of capital base value of a of the banks own resourc
                                                                                      net
                Individual: 25%, unsecured 10%; 25% of capital base The aggregated 25% and 20% credit institution's exposu


No              No              No              Yes                 Yes             No


No              No              No              No                  No              No


No              No              No              No                  No              No


Yes             Yes             Yes             No                  Yes             Yes


              12% by TOTAL 12% for in the country (the regional branch of the BCEAO)depend(ofoftheof monetary the //Nat
                              LIABILITIES (DEMAND AND TIME) These requirements as a 2% less decision of policy de
                                             Not foreign currency deposits. 27% for deposits on short term (<2 years)
Minimum determined OFthe central bank domestic or Applicable                     Minimum function than oneyear duratio


No              No              Yes             Not Applicable      Yes             Yes


                                             Not Applicable      It depends on thedepósitos o the National en bancos de
                                                                                   decision 2005: 8,5% (Central Bank R
Not Applicable Not Applicable 0% (0% at Central Bank) Sólo devengan intereses los Average inof //inversiones Bank //of Hun


No              Yes             Yes             Not Available       No              No
Not Applicable                                  in Available        Not Applicable Not Applicable
                           0.12 27% of depositsNotforeign currency and 8% of the international liabilities of less than one yea


No                  No            Yes             Not Available        No                No


Not Applicable Not Applicable                     in Available        Not Applicable Not Applicable
                                  27% of depositsNotforeign currency and 8% of the international liabilities of less than one yea


Not Available            0.1436             0.35 58.0% as end-2005              0.4167                0.27


Not Available            0.0815             0.41 54.5% as end-2005              0.3359                 0.4


Not Available             0.293             0.14 4.6% as at end-2005            0.0774               0.006


Not Available            0.8617             0.71 56.1% as end-2005              0.5515               0.204


                0             0 Not Available     Not Available                 0.4362                0.15




No                  No            Yes             Yes                  Yes               Yes


Not Applicable Not Applicable both                the banks            the banks         the banks


Not Applicable Not Applicable Yes                 Yes                  Yes               Yes


Not Applicable Not Applicable No                  Yes                  Yes               No


Not Applicable Not Applicable                                                 as the
                                           0.004 The accumulated funds, known0.005 target fund in the context of Hong Kon
                                                                                             0.01


Not Applicable Not Applicable               9700 Not Available                   27000 US$27000


Not Applicable Not Applicable            183300 Not Available          HUF 6,000,000 ISK 1700 thousand


Not Applicable Not Applicable Yes                 Yes                  Yes               Yes


Not Applicable Not Applicable                                     HUF 6,000,000 member
                                         183300 HKD 100K per depositor per scheme ISK 1,7 million (EUR 20,000) plus a pro
Not Applicable Not Applicable Not Available       No                    Yes              Yes


Not Applicable Not Applicable Yes                 Yes                   Yes              Yes


Not Applicable Not Applicable Yes                 No                    No               No


Not Applicable Not Applicable No                  No                    No               No


                                             The of Banks and Insurances
                                                                 HFSA             The Financial Supervisory Authority, Ice
Not Applicable Not Applicable National commission Monetary Authority does in general. Among other things, the Monetary A


Not Applicable Not Applicable No                  No                    No               No


Not Available   Not Available                                                 0.3108             0.77
                                         0.097 Relevant statistics are not available at present. Under the DPS, only deposits


Not Available   Not Available                 2                     0                0                 0


Not Available   Not Available                 2                     0                0                 0


Not Applicable Not Applicable Yes                 Yes                   Yes              A bank failure has never occurred


Not Applicable Not Applicable 15 days                                   5 Bank of       and Commerce International
                                                  Following the failure of months CreditNot Applicable (no such case)in 1991, a


Not Applicable Not Applicable 15 days                                   3 Bank of       and Commerce International
                                                  Following the failure of months CreditNot Applicable (no such case)in 1991, a


Not Available   Not Available   Yes                                    No              Not Applicable cf. of
                                                  No bank failure has occurred since the commencement 8.4the DPS on 25 Sep


Not Applicable Not Applicable No                  Yes                   Yes              Yes


Not Applicable Not Applicable No                  No                    Yes              No


Not Applicable Not Applicable No                  No                    No               No


Not Applicable Not Applicable No                  No                    No               No


Not Applicable Not Applicable Yes                 Yes                   Yes              Yes
Not Applicable Not Applicable No                    No                    No                No


Not Applicable Not Applicable Yes                   Yes                   Yes               Yes




Yes                 Yes             No              Yes                   Yes               Yes


Yes                 Yes             No              Yes                   No                Yes


No                  No              Yes             Yes                   Yes               No


No                  No              No              Yes                   No                Yes


30 for the unpaid balance     90                                       15(corporate), 30(consumer)<90
                                                 60 >3 months for unsecured loans                  90


180 on the total             180                                       >90
                                                 90 >6 months for unsecured loans           Upon assessment of the borrower


not specified                360             180 Not Available            >90               Certain conditions have to be fulfilled


optional                      0.2 0.135 to 0.15                        0.1 to 0.3        Written have a recoverable amount (IF
                                                     Summary: every authorized institution shoulddown to system for the establish


                1             0.5 0.43 to 0.50      ditto                 0.31 to 0.7       Written down to recoverable amount (IF


                1              1                  1 ditto                 0.71 to 1.00      Written down to recoverable amount (IF


Not Available               0.042           0.028                0.0045            0.0278          0.00035


Yes                 No              No              No                    No                No


Not Available               0.015            0.06                0.0118            0.0389            0.0188


Not Available                0.03           0.053                0.0108            0.0291            0.0171


                 Specific provisions can be deducted
                                                  Specific deducted.                 Specific provisions
specific provisions are deductible General reserves can beprovisions General provisions can be deductedcan be deducted
Not Available               0.45             0.25                0.175 Not Available                0.18


Not Available               0.45             0.25                0.175 Not Available                0.18




Yes             Yes                Yes              Yes                  Yes               No


No              No                 No               Yes                  No                No


                               90               90 by equivalent provisions income on 90 , but loans, when doubtful
                                                                       Not
not specified, but accrued interest has to be offsetUnder HKAS 39, interest Available impaired earlier after write-down, will con


Yes             Yes                No               Yes                  Yes               Yes


Yes             Yes                Yes              Yes                  Yes               Yes


Yes             Yes                Yes              Yes                  Yes               Yes


Not Available                 L358.4 millones Not Available
                G$6,064 MILLION                                                        ISK 336
                                                                         HUF 1,383,212 million billion (Credit Equivalent)


No              No                 No               Yes                  Yes               No


Yes             Yes                Yes              Yes                  Yes               Yes


                LIABLE ON SUMMARY CONVICTION TO of position, NOT //MORE THANincome by last attorney general's off
                                Monetary fees, removal from a financial penalty.
                                                  Imposition CFA of a fine, according tonet G$500,000 banking up to 1 year.
                                                                        other penalties Fines or51 of the yearof law.
                                                                                         article imprisonment
1 month to 1 year of imprisionment, and 110 millions FrancsA FINE OF1050%of his/her determinedof the AND IMPRISONMENT


No              No                 No               No                   No                No


Not Applicable Not Applicable Not Applicable Not Applicable              Not Applicable Not Applicable


No              No                 No               No                   No                No


Not Available                  0                4                   10                 6             10


Not Available                  0                0                    0                 0               0
No              No             No              Yes                  Not Available   Yes


No              No             No              Yes                  Not Available   Yes


No              No             No              Yes                  Yes             Yes




No              Yes            Yes             No                   No              No


No              No             No              No                   Yes             No


Yes             Yes            Yes             Yes                  Yes             Yes


Yes             Yes            Yes             Yes                  Yes             No


Not Available   No             Yes             Yes                  Yes             No


Yes             No             Yes             Yes                  Yes             No


Yes             No             Yes             No                   Yes             No


                FINANCIAL INSTITUTIONS ACTPrincipally (1)OF 1995) to 163
                              Law                1995 (NO.1 Companies Ordinance,(2) Credit InstitutionsFinancial undertak
                                                                      Act             on No. 161/2002 on and //Financial En
the banking law and the company law of the Financial System, articles 103 CXII of 1996ActBankruptcy Ordinance,(3) Banking O


No              No             Yes             No                   No              No


No              No             Yes             No                   Yes             Yes


No              Yes            No              Yes                  No              Yes


No              No             No              No                   No              No


No              No             No              No                   No              No


Yes             No             No              Not Available        No              No
The relevant minister in the Finance Ministry, after consultation with the banking commission


No              Yes              Yes             Yes                  Yes              No


No              No               No              Yes                  No               Yes


No              No               No              No                   Yes              No


No              No               No              No                   No               No


Yes             No               No              Not Available        Yes              No


                                                                       Ministry of
the appointed minister of finance after consultation with the banking commission Finance


No              No               Yes             No                   Yes              Yes


Not Available   Yes              Yes             No                   Yes              No


Not Available   No               No              Yes                  No               Yes


Not Available   No               No              No                   No               No


Not Available   No               No              No                   No               No


Yes             No               No              Not Available        No               No


The relevant minister in the Finance Ministry, after consultation with the banking commission


Yes             Yes              Yes             Yes                  Yes              No


No              Yes              No              Yes                  No               No


No              No               No              No                   No               No


No              No               No              No                   No               No
Yes             No             Yes            Not Available        No               No


                               The Executive Branch when it injects capital into troubles banks that may pose a systemic ris


Yes             Yes            Yes            Yes                  Yes              Yes


No              No             No             Yes                  No               No


No              No             No             No                   No               No


No              No             No             No                   No               No


No              No             Yes            Not Available        No               No


                               The Executive Branch when it injects capital into troubles banks that may pose a systemic ris


Yes             Yes            Yes            No                   Yes              No


No              No             No             No                   No               No


No              No             No             No                   No               No


No              No             No             No                   No               No


Yes             No             No             Not Available        No               No


The counsel of ministers of the UMOA region


Not Available   No             No             No                   No               No


Not Available   No             No             No                   No               No


Not Available   No             No             No                   Yes              No


Not Available   No             No             No                   No               No
Not Available   No                  No                  Not Available         No                  No


Not Available   DEPOSIT INSURANCE IS Not Available


Not Available                   0                   2                     0                   0                0


Not Available                   0            0.054 Not Applicable                             0                0


Not Available                   0                   0                     0                   0                0


Not Available                   0                   0 Not Applicable                          0                0


Not Available                   1                   6                     0                   2                0


Not Available            0.1401              0.116 Not Applicable                     0.0424                   0


Not Available   Not Available       Not Available       Not Available                            are suspended//Number: 1, Percentag
                                                                              Trading activitiesNot Available


Not Available                   6 4 months              Not Available         Not Available       Not Applicable


No              Yes                 Yes                 No                    Yes                 No


No              No                  No                  Yes                   Yes                 Yes


No              No                  No                  No                    No                  No


No              No                  No                  No                    No                  No


Yes             No                  No                  Yes                   No                  No


the appointed minister of finance                       The Official Receiver


No              No                  No                  No                    No                  No


No              No                  No                  Yes                   Yes                 Yes
No               Yes            Yes            Yes               Yes             Yes


Not Applicable              0              1                                                  0
                                                               0 The Hungarian laws ensure the right to appeal to the cou




No               Yes            No             Yes               No              No


Yes              No             Yes            No                Yes             Yes


No               No             No             No                No              No


No               No             Yes            No                Yes             Yes


                                             Not of Banks        HFSA
Not Applicable Not Applicable National commissionApplicableand Insurances        Financial Supervisory Authority


Yes              No             Yes            Yes               Yes             Yes


              Not of the Monetary Union of West Africa MonetaryHFSA
                                             Hong Kong           Authority
banking commissionApplicable National commission of Banks and Insurances         Financial Supervisory Authority


No               No             Yes            Yes               No              No


No               Yes            No             Yes               Yes             Yes


No               No             No             Yes               Yes             No


Yes              No             No             Not Available     Yes             No


No               Yes            Yes            No                Yes             No


No               No             No             Yes               No              No


No               No             No             No                Yes             No


No               No             No             No                No              No
Yes             No                  No              Not Available         No                Yes


Yes             Yes                 Yes             No                    Yes               No


                the BCEAO presides over the Banking Commission, which is composed ofApplicable members nominated ha
                              4 FIVE          Not
The governor of NOT EXCEEDINGyears (5) YEARS Applicable          6 years        Not 18 (other)


No              Yes                 Yes             No                    No                No


No              No                  No              Yes                   No                No


No              No                  No              No                    Yes               No


No              No                  No              No                    No                No


No              No                  No              Not Available         No                Yes




Not Available   Yes                 Yes             Yes                   Yes               Yes


Not Available   Yes                 Yes             Yes                   Yes               Yes


Not Available   No                  No              Yes                   Yes               Yes


Not Available   No                  No              Yes                   Yes               Yes


Not Available               18                 60                   131                60              10


Not Available                   2                5 1.2(approx.)                         2 between 3 and 4


Not Available                    supervision (US$2.3 millones)
                                                 HKD125 million
                All expenses for L44 millonesborne by Central Bank                        ISK 327 million (ca. USD 52 million)
                                                                          HUF 9,594 million (HFSA)


Not Available   Not Available                     Exchange Fund (see fees levied on the industry
                                                                         http://www.info.gov.hk/hkma/gdbook/eng/e/ex_fund.htm
                                                                                         Parties
                                    50% by supervised institutions and 50% by the central bank. subject to supervision.


every 2 years   Every two years Annually                                  Every two years conducted annually on locally incorpora
                                                    In general, on-site inspections will be Every two years
Not Available             3 15% of the total                   60                   8         3


Not Available             6               5                    10               7.1           8


Yes             Yes           Yes              Not Available        Yes                 Yes


Yes             Yes           Yes              No                   No                  Yes


               NO EXCEPTIONS Applicable Not Applicable
the banking commission     Not                                      Not Applicable NO EXCEPTIONS


Not Available             0 Not Applicable Not Applicable           Not Available             0


No              No            Yes              No                   No                  Yes


No              No            Yes              No                   Yes                 Yes
India             Indonesia         Ireland         Isle of Man      Israel          Italy




                India (RBI)     the Financial Services Regulatory Authority //(Financial Regulator)
                                                 of Republic //Indonesia Israil The
                                                                  Bank of
Reserve Bank ofBank Indonesia, Irishcentral bank Financial Supervision Commission Bank of Italy


No                No                No              No               No              No


Yes               Yes               No              Yes              No              Yes


               Banks are not allowed to have non bank activities3 -One for banking,Insurance Regulatory Developmentfiducia
                               Not Available Separate licences required for and one for pension advisor, one for investm
Three Regulators i.e Reserve Bank of India, Securities Exchange Board of India banking (deposit2taking), corporate and Agenc


             87               131                                                  15
                                                 48 51 (including 3 building society branches)    784

 Rs.              IDR 1.469,83                                       NIS 816823      2372 bn of
2,27,78,445                                         £56,857m
                  trillion          €941,907 m                       million         euro
million at year
 Rs.              IDR 1.127,9                                        NIS 708836
1,78,69,098                                         £54,000m                         703 bn of euro
                  trillion          €629,711 m                       million
million
Rs                IDR 730,2                                          NIS 493192      1216 bn of
1,12,49,264                                         £7,412m
                  trillion          €667,926 m                       million         euro
million
In domestic       IDR 3.000                                          USD 100-150     2 mln. of euro
currency for                               6348691 £3.5m                             for mutual
                  billion                                            Million
Indian banks,                                                                        banks, 6,3
 The Wholly       IDR 3.000                                          USD 100-150     6.3 mln. of
Owned                                      6348691 £3.5m             million
                  billion                                                            euro
Subsidiary                                                           (Depending on
 A foreign        New entry is                                       None           6.3 mln. of
bank desirous                       None            Not stated       (Depending on euro for non
                  not allowed
of opening                                                           circumstances) UE banks

No                Yes               No              Yes              Yes             Yes


Yes               Yes               No              Yes              Yes             Yes


No                No                Yes             No               Yes             Yes


No                No                No              Not Available    Yes             No


Yes               Yes               Yes             No               No              Yes
Yes        Yes           Yes       Yes            No             Yes


No         Yes           Yes       Yes            Yes            Yes


Yes        Yes           Yes       Yes            No             Yes


Yes        Yes           Yes       Yes            Yes            Yes


Yes        Yes           Yes       Yes            Yes            Yes


Yes        Yes           Yes       No             No             Yes


No         Yes           Yes       Yes            No             Yes


      10             0         3              0              0         91


      8 Not Applicable         0 Not Applicable Not Applicable         12


      2 Not Applicable         3 Not Applicable Not Applicable         73


      0 Not Applicable         0 Not Applicable Not Applicable         6


      7             14         8              8             15         37


      3              0         0              0              3         1


      2             14         0              0              0         5


      2              0         0              0              0         0


      0              0         0              0              0         0


      0              0         0              3              0         5


      0              0         0              0              0         1
                0                0                 0           0                  0                 0


                5                0                 7           5                  3               27


                1                0                 0           0                  1                 0


                0                0                 0           0                  0                 0


                0                0            111              0              12                    0


                0                0                 0           0                  2                 0


Not Available                    0                 0           0                  2                 0


Not Available       Not Applicable Not Applicable Not Applicable Not Available        Yes


Not Available       Not Applicable Not Applicable Not Applicable Not Available        Yes


Not Available       Not Applicable Not Applicable Not Applicable Not Available        Yes


Not Available       Not Applicable Not Applicable Not Applicable Not Available        Yes


                  grant license to Not Applicable Not Applicable
Intentions are to Not Applicable the most deserving applications. Not Available       Ownership, program of activity


No                  No               No                No          No                 No


No                  No               No                No          No                 No


No                  No               No                No          No                 No


No                  No               No                No          No                 No


           0.74               0.99 Not Available               1                  1                 1
Yes                 No                 No                 No                 No                  No


             Not that of a corporate entity, the objective will to Applicable Not Applicable
Where ownership is Applicable Not Applicable Not ApplicablebeNotensure that no single individual/entity has ownership and


Yes                 Yes                Yes                Yes                Yes                 Yes


                Do not regulate for Licensing Requirementsare Case larger bank groups
                                                Most banks         to 10% of total capital      1
At present, maximum voting rightSeeindividual holder is restricted part ofby case basis of a bank.


No                  Yes                Yes                Not Available      Yes                 Not Available


Yes                 Yes                Yes                No                 Yes                 Yes


Yes                 Yes                Yes                No                 Yes                 Yes


Restricted          Permitted          Permitted          Restricted         Restricted          Restricted


                        0.1056 Not Available                       1 to ensure that no single individual/entity has ownership and c
Where ownership is that of a corporate entity, the objective will be <0.05           Not Available


Restricted          Permitted          Permitted          Restricted         Restricted          Permitted


         0.4017             0.5194 Not Available                       0.5            0.876                  0.539


          0.398             0.5079 Not Available                       0.5            0.878                  0.577


                                Not Available Do not differentiate           0.95 and rural banks)
             0.85 0.9863 (assumes deposit taking institutions consist of commercial Not Available




             0.09               0.08               0.08                0.1                0.09                0.08


Yes                 Yes                Yes                Yes                Yes                 Yes


No                  No                 Yes                Yes                Yes                 No


No                  No                 No                 Yes                Yes                 Not Available
No                No                Not Available       No               No                Not Available


No                No                Not Available       Yes              No                Not Available


Not Applicable Not Available        Not Available       Trigger of 1.5bptNot Applicable Not Available


                             0.195 Not Available                 0.158          0.107
The ratio of capital to risk weighted asset (Tier I capital) is 8.4% as at end March 2005).         0.106


                             0.162           0.094           total on        0.071           0.079
The actual capital ratio (including reserves and surplus) to 0.1602 balance sheet assets at end March 2005 is 6.3 %.


Yes               Yes               Yes                 Yes              Yes               Yes


No                No                No                  No               No                No


                                             Revaluation gains on fixed ASSETS Available
                                                             None           Not
           0.45 Do not regulated100% OF FINANCIAL & TANGIBLE FIXED assets, investments and certain equities allowed a




           0.74           0.3848 Not Available                       0 None                         0.093


         0.0679            0.397 Not Available                       1 Not Available               0.1111


             28                 5                   0                0                 0               41


             29               38                36                  49                 1               84


Yes               Yes               No                  No               No                No


Yes               Yes               No                  Yes              Yes               Yes


Yes               Yes               No                  Yes              No                No


               Yes             Yes               Yes            No               Yes
Accounting Standards issued by Institute of Chartered Accountants of India formulate accounting standards broadly in lines wit


              Yes             No              No                Yes             No
No; The Accounting Standards Board (ASB) of Institute of Chartered Accounts of India (ICAI) is responsible for formulating acc
        0.7708           0.3825 Not Available                0 None                        0.099


        0.0486           0.3859 Not Available                1 Not Available               0.075


        0.7264           0.3919 Not Available                0 None                        0.101


        0.0685           0.3832 Not Available                1 Not Available               0.119




Permitted        Prohibited     Unrestricted    Permitted      Permitted       Permitted


Permitted        Prohibited     Restricted      Restricted     Restricted      Restricted


Prohibited       Prohibited     Unrestricted    Restricted     Prohibited      Prohibited


Restricted       Prohibited     Permitted       Permitted      Restricted      Restricted




Yes              Yes            Yes             Yes            Yes             No


Yes              Yes            Yes             Yes            Yes             Not Available


Yes              Yes            No              Yes            Yes             Not Available


Yes              Yes            Yes             Yes            Yes             Yes


Yes              Yes            Yes             Yes            Yes             Yes


Yes              Yes            Yes             Yes            Yes             Yes


Yes              Yes            Yes             Yes            Yes             Yes


No               Yes            Yes             Yes            Yes             Yes
Yes             Yes             Yes              Yes             Yes             Yes


Yes             Not Available   Yes              Not Available   No              No


No              No              No               No              No              Not Applicable




Yes             Yes             Yes              Yes             Yes             Yes


Yes             Yes             No               No              Not Available   Yes




                Yes              Yes             Yes               Yes             No
Yes; Exposure limits on individual/ group borrowers and limits on capital market exposure have been provided by RBI. Exposur


Yes             Yes             Yes              Yes             Yes             Yes


Not Available                    20% (individually), and 25% (group), Related party 10% supervisory capital
                                                 25% of          15% of capital / 30% group
                                                                                  25% of
                Nonrelated party25 % COUNTERPARTYregulatory capital but certain exposures can exceed this


                  set           Yes              No
Yes, Limits to beNo with the approval of the Board               Yes             No


No              No              No               Yes             No              No


No              Yes             No               No              No              No


Yes             Yes             Yes              No              Yes             Yes


              For (CRR) at 5% (at present) to 3% Demand & total //amount of IDR from 10.02 to 1 year; 0% from 1 year
                              DEPOSIT PROTECTION//MINIMUM Liabilities (NDTL)
                                              Not Applicable 6% RESERVE                week
Cash Reserve Ratio IDR = minimum 5% + 0% of Net (depend onTime up to 6 days; 9%deposits) + 0% to 5% (depend on //the L


No              Yes             Yes              Not Available   No              Yes


                   For Rate' which is 6.5 per cent at ISAvailable Not Applicable The average rate for the refinancing operatio
                                                    Not SET
Interest rate is 'BankIDR 6,5% INTEREST RATEpresent. BY THE ECB RELATING TO THE //CURRENT RATES SET AT TH


No              Yes             Yes              Yes             No              No
Not Applicable               0.03                                     Not Applicable Not Applicable
                                                 0.02 Banks can hold liquid assets in foreign ccy


No                Yes               No                  No                 No               No


Not Applicable               0.03 Not Applicable Not Applicable Not Applicable Not Applicable


Not Available             0.1961 Not Available                      0.33             0.35             0.065


Not Available             0.2073 Not Available                      0.33             0.35             0.098


           31.4           0.2701                0.026               0.01             0.08               0.05


           78.4           0.6473                0.669               0.95             0.87 58% including all deposits (i.e. including also


Not Available                     Not all deposits still guaranteed) Not Available
                  0.6473 (as of Dec'05Available    Not Available                            In principle all deposits at Italian incorporate




Yes               Yes               Yes                 Yes                No               Yes


Both              both              the banks           the banks          Not Applicable the banks


Yes               Yes               Yes                 No                 Not Applicable No


No                No                No                  No                 Not Applicable Yes


                Not Available           0.002
0.92 percent as on March 2006(insured deposits) Not Applicable Not Applicable Not Applicable


Not Available     Not Available     Not Available                      Not Applicable Not Available
                                                        US$27,000 per person per eligible protected deposit


Not Available                     Not Available £15,000 (will be Not Applicable Not Available
                                                                    fully implemented in March'07)
                  IDR 100 million per depositor in one bank per person per eligible protected deposit


Yes               Yes               Yes                 Yes                Not Applicable Yes


               IDR 100 million in one bank (will be fully implemented Applicable same capacity.
                                          20000 together         Not rights and 103.291,28 euro
Rs.100000.00 for all the accounts in a bank taken£15,000 in the samein March'07)
No              Yes                 Yes            Yes               Not Applicable No


Yes             Yes                 Yes            Yes               Not Applicable Yes


No              No                  No             No                Not Applicable No


No              Yes                 No             No                Not Applicable No


                India                     The Courts. The Financial SupervisionCBFSAI //WHOmay PART central bank
                                                         Not Applicable THE //Commission AS apply OF ITS GEN
Reserve Bank ofNot Applicable DEPOSIT INSUARANCE IS ADMINISTERED BYthe authorization is given by the to the Court


Yes             No                  Yes            No                Not Applicable No


Not Available                    Not are covered Not Available
                Only 3rd party funds Available                       Not Available       At year end 2005 the percentage of liabilities


                12 cooperative banks.
170 banks includingbanks                       0                 0                   1                   0


One cooperative bank.           0              0                 0                   1                   0


Yes             Not Available       No             Yes               Not Available       Yes


                In normal condition Available payments
                                  provides that Not Available       within five months of payoff in 1992
The deposit insurance legislation Notwill take about 1 year be madeNot Available only 1the liquidator/insured bank/transferee b


                More legislation Not Available is problems in the within five months of the liquidator/insured bank/transferee b
                                 provides there Not Available     depositors validity)
The deposit insurancethan 2 years (shouldthat payments be madeNot Available See answer to 8.4.1


No              No                  No             Yes               Not Available       No


                 possible in terms of           Not Available Not Available Not Available
No; Legal action Not Available Yes the deposit insurance legislation under specified circumstances i.e., whenever in any retur


No              No                  No             No                Not Available       Not Available


No              No                  No             No                Not Available       No


No              No                  No             No                Not Available       Yes


No              No                  No             No                Not Available       No
Yes               Yes             Yes              Yes               Not Available     No


Yes               Yes             Yes              No                Not Available     Yes




Yes               No              Yes              Yes               No                Yes


Yes               No              Yes              Yes               No                No


No                No              Yes              No                No                No


No                Yes             Not Available    No                Yes               Yes


                                 90 Not Available Banks asset. A 90 days
                                                                    substandard due 60 one, 90 . has remained NPA for a per
                                                                                     Not and which
After 90 , a loan in arrears is classified as a Substandardmust report loans past asset isApplicableGuidance in place re provision


                              120 Not Available Banks NPA for Not Available monthsand 90 . with international norms.
                                                                     a loans of 12 Not , in line
An asset is to be classified as doubtful, if it has remainedmust reportperiod past due 60 ApplicableGuidance in place re provision


                            180 Not Available      by the bank or internal or external auditors or. the RBI inspection re the amo
                                                                   Not Available Not and 90
A loss asset is one where loss has been identifiedBanks must report loans past due 60 ApplicableGuidance in placebut provision


                15% 10 percentNot Available collateral and 20 percent for unsecured exposures should be made
                                     deducted by In accordance meet specific requirement)
                                                                   0.01-0.04
A general provision ofof loan after for secured exposures (should with accounting policies  0


                 requirements are graded, by collateral the period forspecific requirement
                                Not Available In accordance with accounting policies
                                                                 the which                  0
The provisioning50% of loan after deducteddepending onthat meetDiscretionalasset has remained doubtful. The provisioning va


                 should be written deducted by collateral that meet remain requirement
                                 Not Available In accordance to accounting policies                  0
The entire asset 100% of loan afteroff. If the assets are permittedwithspecificin the1books for any reason, 100 percent of the outs


Not Available              0.048 Not Available     less than 0.1%               0.03            0.02


Yes               Yes             Not Available    Not Available     No                Yes


          0.028           0.0483 Not Available              0.0095           0.0216            0.017


         0.0216           0.0191 Not Available              0.0041           0.0247             0.01


                 Not Available Specific provisions can be deducted
Specific provisions can be deducted.                                           Specific provisions
                                                Not Available Specific provisions can be deductedcan be deducted
        0.3366 Not Available                0.125               0.1            0.436             0.3


        0.4182 Not Available                0.125               0.1            0.436 Not Available




Yes             Yes              Yes                Yes               Yes              Yes


No              No               No                 Not Available     No               No


                               90             90 Not
After 90 in arrears interest income accrual ceases. specified                                    180
                                                                      90 unless arrears are temporary


Yes             Yes              Yes                Yes               Yes              Yes


Yes             Yes              Yes                Yes               Yes              Yes


Yes             Yes              Yes                Yes               Yes              Yes


Not Available                     N
                IDR 462,02 trillion ot Available    £1,834m                           206,556 mln. of euro, credit guarantee comm
                                                                      NIS 330108 million


No              No               Yes                Yes               Yes              Yes


Yes             Yes              No                 Not Available     Yes              Yes


               Imprisonment and IT IS
                               as applicable forDirectors are subjectAvailable proper //requirements penalty can be £5,000 f
                                                 THAT A FUNCTION information //PERFORMED OR OMITTED IN BAD BR
                                                                Not to fit and Criminal and supervisors. (Note: Sec47, FA
Imprisonment and monetary fine IF fined PROVENerroneous/misleading HAS BEEN provided to administrative sanctions


Yes             No               No                 No                Don't Know       Yes


Not Available   Not Applicable Not Available                       for Available 147
                                                    No enforcement Notbank directors (administrative sanctions only)


No              No               No                 No                No               No


                             10              10              10                  5                10
Some of the top banks like SBI, ICICI Bank, Bank of Baroda, etc., are rated by international rating agencies.


                              7                domestic rating do not have 10                 0
Bond issues for subordinated debt are rated by 0 Not Available agencies. domestic credit ratings
Yes           Yes           Yes           Not Available   Yes             Yes


No            Yes           Yes           Not Available   No              Yes


No            Yes           No            Not Available   Not Available   Yes




Yes           Yes           Yes           Yes             No              No


Yes           Yes           Yes           Yes             No              No


Yes           Yes           Yes           Yes             Yes             No


Yes           Yes           Yes           Yes             Yes             No


Yes           Yes           Yes           Yes             Yes             No


Yes           Yes           Yes           Yes             Yes             No


Yes           Yes           No            Yes             Yes             No


               Banking Act andCOMPANIES ACT Available The Corporate Insolvency Law, Banking
                                Bank Indonesia Not
                                               regulation               The 1993 Banking Law
Banking Regulation Act, 1949 and Companies Act, 1963//CENTRAL BANK 1971//CENTRAL BANK 1989 Ordinance


         1956 No            Yes           Not Available   No              Yes


No            Yes           No            No              No              No


No            No            Yes           Yes             Yes             Yes


No            No            No            No              No              No


No            No            No            No              No              No


Yes           No            No            No              No              No
Reserve bank of India applies to Government of India under Section 45 of Banking Regulation Act, 1949 for suspension of busi


No              Yes              No              Yes              Not Available    Yes


No              No               Yes             Yes              Yes              No


No              Yes              No              No               No               No


No              No               No              No               No               No


Yes             No               No              No               Yes              No


                                                                   Governor
RBI in consultation with Govt. of India can intervene under the Banking Law.of the Bank of Israel


              Yes              No               No              No              No
No; However, RBI has recently put in place a Prompt Corrective Action (PCA) framework under which certain interventions by s


No              Yes              Yes             No               No               Yes


No              No               No              Yes              Yes              No


No              Yes              No              No               No               No


No              No               No              No               No               No


Yes             No               No              No               Not Available    No


Government of India


Yes             Yes              Yes             No               Yes              No


No              No               Not Available   Not Available    Yes              No


No              Yes              Not Available   No               No               No


No              No               Not Available   No               No               No
           No              No         Not Available   Not Available   No    No


banks that may pose a systemic risk


           Yes             Yes        Yes             No              Yes   Yes


           No              No         Not Available   Not Available   Yes   No


           No              Yes        Not Available   No              No    No


           No              No         Not Available   No              No    No


           No              No         Not Available   Not Available   No    No


banks that may pose a systemic risk


           Yes             Yes        Yes             No              Yes   Yes


           No              No         Not Available   Not Available   No    No


           No              No         Not Available   No              No    No


           No              No         Not Available   No              No    No


           No              No         Not Available   Not Available   No    No




           No              No         Not Available   No              No    No


           No              No         Not Available   Not Available   No    No


           No              No         Yes             No              No    No


           No              No         Not Available   No              No    No
No                  No                 Not Available       No                  Yes                 No


                                                                          Governor be able to of this if
                                                           Treasury/Government mayof the Bankdo Israel in the public interest


                0                  4                   0                   0                   1                 0


                0 0.001/0.0016                         0                   0           0.0008                    0


                0                  0                   0                   0                   1                 9


                0                  0                   0                   0           0.0174              0.0026


Not Available                 0.08                     0                   0 Not Available                     20


NA                  0.0073/0.026                       0                   0 Not Available                0.00027


                               0 Benares State No & BOB in 2002; Available Please Bankthat all in 2002. (iv) under b) ha
                                                                 Not and (iii) Nedungadi note & enforced in the last 5 years
(i) BoM & ICICI Bank in 2001; (ii) Not Available Bankbanks have required resolution actions to be PNBinterventions South Guja


Not Available                  12 Not Available            Not Available       Not Available       The special administration proceedings that


No                  Yes                No                  Yes                 No                  Yes


No                  No                 Yes                 Yes                 Yes                 No


No                  Yes                No                  No                  No                  No


No                  No                 No                  No                  No                  No


Yes                 No                 Yes                 Not Available       Not Available       No


                                   consultation with the Bank Supervisor is able to make an application to the of bank liquidator/
                                                    The Government
Govt. of India with RBI.RBI (after CREDIT INSTITUTION ITSELF of India) applies to court for appointmentCourts. The Court


No; While RBI can remove /replace management/ Directors, only Govt of India is empowered to acquire banking undertakings
               No              No           No                No                No


Yes                 No                 Yes                 Yes                 Yes                 No
Yes             Yes             Yes             Yes               Yes             Yes


Not Available                 0 Not Available                   0 Not Available              11




Yes             Yes             No              No                Yes             Yes


No              No              Yes             Yes               No              No


No              No              No              No                No              No


No              No              Yes             No                No              No


Not Applicable Not Applicable IFSRA                              Not Available Not Applicable
                                                2 supervisors in the Isle of Man Financial Supervision Commission and Insur


No              No              Yes             Yes               No              No


                India is supervisory agency for commercial banks. Other activities undertaken by banks through subsidiary ar
Reserve Bank ofNot Applicable IFSRA                              Not Applicable Not
                                                 Financial Supervision Commission Applicable


No              No              No              No                No              Yes


No              No              Yes             No                No              Yes


Yes             Yes             No              Yes               No              Yes


No              Yes             Not Available   Not Available     Yes             No


Yes             No              No              No                No              No


No              No              Yes             No                No              No


No              No              No              Yes               No              No


No              No              No              No                No              No
No              Yes              No               No                Yes             Yes


Yes             No               Yes              Yes               No              Yes


Not Available   Not Applicable 5 YEARS            5 years           Not Available   6 years


Yes             No               No               No                No              No


No              No               Yes              No                No              No


No              No               No               Yes               No              No


No              No               No               No                No              No


No              Yes              No               No                Yes             Yes




Yes             Yes              Yes              Yes               Yes             Yes


Yes             Yes              Yes              Yes               Yes             Yes


No              Yes              No               Yes               Yes             Yes


No              Yes              No               Yes               Don't Know      Yes


           414 Not Available                 36                 7                69 Banking supervision is carried out by 3 depa


                 for Available 81 EXAMINATIONS IN TOTAL per all the banks 2002 3902 per bank (1,6 examination pe
                                                   Total inspections for bank     1 examination
Data is availableNot the last three years as under Between 2 and 3Full coverage every 2 years 2003 3864 20042360


                Not Available
Information Not Available separately.   3960340 Not Available         $11,130,000 Not Available


Not Available   Not Available                Government (Treasury) but Financial Available
                                                           Bank of Israel's budget
                                 CREDIT INSTUTIONS 50%////CBFSAI 50%        Not Supervision Commission does raise inc


Annually        Annually         Annually         Every two years Every two years Less frequently
Not Available   Not Available                     3                   2                   31 Not Available


Not Available   Not Available                 3.8 Not Available           No Statistics      Not Available


Yes             Yes               Yes                 Not Available       No                 Yes


Yes             Yes               Yes                 Not Available       No                 Yes


                the seriousness of the violation. Not Available General Manager In Charge, Board For
                                                                              No
It depends upon Board meeting Not Available It could be Chief Supervisor of bank exceptions apply Financial Supervisio


Not Available                   0 Not Available       Not Available       No Statistics      Not Applicable


No              No                No                  No                  No                 Yes


No              No                No                  Yes                 No                 Yes
Jamaica              Japan             Jersey          Jordan           Kazakhstan         Kenya        Kosovo




                 Financial Services Agency
                                 JERSEY FINANCIAL SERVICESlicences to of //Jamaica
                                               Central Bank of Jordan
                                                                the Bank perform banking operations as wellAuthority of Ko
The Minister of Finance and Planning under recommendation from COMMISSION                 Central Banking //as other ope
                                                                              The Central Bank Of Kenya

No                   No                No              No               Yes                             No
                                                                                           No

Yes                  No                Yes             No               Yes                             No
                                                                                           No

                Not Available                 5 Not Applicable FSA and trade licenses currencieslist of all
                                                                                                Not a
2 Banks require an authorisation under the Bank of Jamaica Act to dealgrants one in foreignincludingApplicable activities obtain
                                                                                  Not Available

                 6               215               47 23 banks                        34                             7
                                                                                                   41
                     810,153billion                    20552.6          4515052 mln                    961,475,000
J$375.9bn            Yen (as of end- £243,832MN        Million JD       KZT                Kshs. 616.48Euro
                                                                                                        billion
                     march, 2006
                     579,857 billion                   13101.9          2521723 mln                    838,565,000
J$246.3bn            Yen (as of end- £184,641MN        Million JD       KZT                Kshs. 504.47Euro
                                                                                                        billion
                     march, 2006.
                     417,372 billion                   7559.3 Million   3062040 mln                    513,876,000
J$129.5bn            Yen (as of end- £18,190MN         JD               KZT                Kshs. 325.27Euro
                                                                                                        billion
                     march, 2006
J$80mn
authorised           2 billion Yen     £5MN            40 Million JD    2000 mln KZT                   5,000,000 Euro
capital of                                                                                 Kshs. 250 million
J$80mn
authorised           2 billion Yen     £5MN            20 Million JD    2000mln KZT                    5,000,000 Euro
capital of                                                                                 Kshs. 250 million
J$250mn paid
up in cash of        2 billion Yen     Not Available   20 Million JD    prohibit                       5,000,000 Euro
which at least                                                                             Kshs. 250 million

                 requirement of review process Yes
No, but standardYes              Yes                                    Yes                             No
                                                                                           Yes

Yes                  Yes               Yes             Yes              Yes                             Yes
                                                                                           Yes

No                   No                Yes             No               No                              No
                                                                                           No

No                   Yes               No              No               Yes                             No
                                                                                           Yes

Yes                  Yes               No              Yes              Yes                             Yes
                                                                                           Yes
Yes              Yes       Yes            Yes               Yes                 Yes
                                                                      Yes

Yes              Yes       Yes            Yes               Yes                 Yes
                                                                      Yes

Yes              Yes       Yes            Yes               Yes                 Yes
                                                                      Yes

Yes              Yes       Yes            Yes               Yes                 Yes
                                                                      Yes

Yes              Yes       Yes            Yes               Yes                 Yes
                                                                      Yes

Yes              Yes       Yes            Yes               Yes                 Yes
                                                                      Yes

Yes              No        Yes            Yes               No                  Yes
                                                                      Yes

             2         4              0                 0         1         0         6


             1         0 Not Applicable Not Applicable            0         0         1


             1         4 Not Applicable Not Applicable            1         0         5


             0         0 Not Applicable Not Applicable            0         0         0


             0         8              9 More than 30              0         0         3


Not Applicable         0              0             27            0         0         0


             0         0              0 Not Available             0         1         0


Not Applicable         0              0 Not Available             0         0         0


Not Applicable         0              0 Not Available             0         0         0


             0         0              7 Not Available             0         0         1


Not Applicable         0              0 Not Available             0         0         0
Not Applicable                0                 0 Not Available                    0             0         0


              0               8                 2 Not Available                    0             0         2


Not Applicable                0                 0 Not Available                    0             0         0


Not Applicable                0                 0 Not Available                    0             0         0


              0               0                 0 Not Available                    0             0         0


Not Applicable                0                 0 Not Available                    0 Not Applicable        0


Not Applicable                0                 0 Not Available                    0 Not Applicable        0


No                Not Applicable Not Applicable No                    Not Applicable                No
                                                                                       Not Applicable

No                Not Applicable Not Applicable No                    Not Applicable                Yes
                                                                                       Not Applicable

No                Not Applicable Not Applicable No                    Not Applicable                No
                                                                                       Not Applicable

No                Not Applicable Not Applicable No                    Not Applicable                Yes
                                                                                       Not Applicable

               Not Applicable Not Applicable CBJ short term strategy.
                                                             Not skewed //towards securities trading, an activity that did n
The proforma balance sheet of the proposed bank was predominantly Applicable                             0
                                                                             Not Applicable

No                No              No              No                  No               No            No


No                No              No              No                  No               No            No


No                No              No              No                  Yes              No            No


No                No              No              No                  No               No            No


              1               1 Not Available                     1                1                       1
                                                                                              0.25
No                No                  No                  Yes                 No                                No
                                                                                                 Yes

Not Applicable Not Applicable Not Applicable                            0.1 Not Applicable                      Not Applicable
                                                                                                         0.25

Yes               Yes                 Yes                 Yes                 Yes                               Yes
                                                                                                 Yes

              1                   1 Not Available                       0.1                 1                                  1
                                                                                                         0.25

No                Not Available       Not Available       No                  No                                No
                                                                                                 Yes

Yes               Yes                 Yes                 Yes                 Yes                               Yes
                                                                                                 Yes

Yes               Yes                 Yes                 Yes                 Yes                               Yes
                                                                                                 Yes

Restricted        Permitted           Permitted           Permitted           Permitted                         Permitted
                                                                                                 Restricted

         0.834 Not Available                          0                  0                0.66         0.6539                0.06


Prohibited        Permitted           Permitted           Permitted           Permitted                         Permitted
                                                                                                 Restricted

         0.963                0.443               0.61                0.544           0.7595                                 0.95
                                                                                                       0.5468

         0.962                  0.5 Not Available                     0.521           0.7407                                0.956
                                                                                                       0.5455

         0.693                0.857                   1                  1                  1          0.7667                0.99




                8% (for internationally capital0.1total
                                                to         0.12
riskweighted assets/capital = 10% and active banks) assets ratio of 6%.                   0.12                               0.12
                                                                                                         0.08

Yes               Yes                 Yes                 Yes                 Yes                               Yes
                                                                                                 Yes

Yes               No                  No                  No                  No                                No
                                                                                                 No

                No              No
No, a standard that banks must adhere                     No                  Yes                               No
                                                                                                 No
Yes               No              No               No               Yes                            No
                                                                                    No

Yes               No              No               Yes              No              Yes            No


                 Not 6% (minimum); Applicable                 0.06 Not Applicable
total assets/capital = Applicable Not and deposit/capital = 25:1 (maximum)                  0.08 Not Applicable


          0.178 0.1218 (for major banks) 0.232             0.176            0.078                         0.12014
                                                                                    Not Available

          0.189 Not Available               0.02           0.172            0.048                        0.080105
                                                                                    Not Available

               Yes
No banks have any subdebt         Yes              Yes              Yes             Yes            Yes


No                No              No               Yes              No              No             No


              0                               N
                           0.45 1 (TIER 2 ONLY) ot Available                    1              0               0




              0 Not Available                  0                0          0.0018                              0
                                                                                               0

          0.952           0.061                1           0.093            0.049         0.3865            0.669


              0 Not Available                  0                0               1              2               0


              5              72               47                8              23              8               2


Yes               No              Yes              No               Yes             Yes            Yes


Yes               Yes             Yes              Yes              Yes             Yes            Yes


Yes               Yes             Yes              Yes              Yes             Yes            Yes


Yes               No              Yes              Yes              No                             Yes
                                                                                    Yes

No                No              No               No               No                             No
                                                                                    No
             0 Not Available                        0                  0           0.0005         0.1771                  0


         0.962                0.03                  1            0.095             0.0482         0.4036            0.676


             0 Not Available                        0                  0           0.0023          0.178                  0


         0.977               0.016                  1            0.086             0.0435         0.3928            0.661




Restricted       Permitted           Unrestricted       Unrestricted       Permitted                       Unrestricted
                                                                                            Restricted

Prohibited       Permitted           Restricted         Restricted         Restricted       Prohibited     Prohibited


Prohibited       Prohibited          Permitted          Prohibited         Prohibited       Prohibited     Prohibited


Restricted       Restricted          Permitted          Restricted         Restricted                      Prohibited
                                                                                            Permitted




Yes              Yes                 Yes                Yes                Yes                             Yes
                                                                                            Yes

Yes              No                  Yes                Yes                Yes                             Yes
                                                                                            Yes

Yes              Yes                 No                 Yes                No                              Yes
                                                                                            No

Yes              Yes                 Yes                Yes                No                              Yes
                                                                                            Yes

Yes              Yes                 Yes                Yes                Yes                             Yes
                                                                                            Yes

Yes              Yes                 No                 Yes                Yes                             Yes
                                                                                            Yes

Yes              No                  No                 Yes                Yes                             No
                                                                                            Yes

Yes              No                  Yes                Yes                Yes                             Yes
                                                                                            Yes
Yes              No               Yes              Yes              No                             Yes
                                                                                     Yes

Yes              Yes              Yes              No               No                             Yes
                                                                                     No

No               Yes              No               No               No                             No
                                                                                     No




No               Yes              Yes              Yes              No                             Yes
                                                                                     Yes

Not Applicable Yes                No               No               Not Applicable                 Yes
                                                                                     Yes




Yes              Yes              No               Yes              Yes                            No
                                                                                     No

Yes              No               No               Yes              Yes                            Yes
                                                                                     Yes

                Not Applicable Not Applicable 25% if bank's regulatory0.10
                                                               0.25    capital            20% of Tier 1 capital
single borrower = 20% secured; 5% unsecured and group of related borrowers = 40% secured;10% unsecured. no unsecured c
                                                                                    25%

No               No               No               Yes              No                             No
                                                                                     No

No               No               No               No               No                             No
                                                                                     No

No               No               No               Yes              No                             No
                                                                                     No

Yes              Yes              No               Yes              Yes                            Yes
                                                                                     Yes

               Legal reserve requirement. Fianncial of the bank'sminimumthedeposits
                                Not the Central 8% is 9% of //subject to reserve requirements reservesdeposits
                                                                  customers requirement liquid of total (not required to be
                                                                                                  5%
Cash reserves required to be held at Applicable BankInstituion prescribed //liabilities. Otherare required to //deposit a certain ra
                                                                                     Cash ratio 6%//Liqidity ratio 20%

Yes              No               Not Available    No               Not Available                  Yes
                                                                                     No

                 J$ Applicable Not Available Not Applicable Not Available                         2% on all deposits in excess of
Reserves held inNot against J$ prescribed liabilities attract 0%. Reserves //held in US, CDN, and Pound Sterling are maintaine
                                                                                     Not Applicable

Yes              No               Yes              Yes              Yes                            Yes
                                                                                     Yes
Not Available       Not Applicable Not Available                       Not
                                                        15% of bank's equityAvailable                    not limit but usually all reserves
                                                                                                  0.06

Yes                 No                No                Yes              No               No             No


               Not 9% required to Applicable 8% of Customers' deposits in foreign liabilities N those and other foreign curre
                                                                        prescribed currencies in
FX Cash reserves ofApplicable Not be held in US$, CDN, and Stlg against0.6533 Not Applicable ot Applicable


            0.384 Not Available       Not Available              0.316           0.7795         0.1585 Unknown but is only a small pe


            0.429 Not Available                  70.1            0.315           0.0493         0.1626 Unknown but is usually only a s


                                           0.001           0.16           0.077                             0
            0.321 0.118 (as of endmarch, 2006. Banking Account. The branches of foreign banks are not included in this figure.)
                                                                                         0.21

            0.655 0.716 (as of endmarch, 2006. Banking Account). Not Available
                                            0.75          0.637                                 0.7949 Not Applicable, because we do


            0.246 Not Available                       0 Not Available    Not Available                                  0
                                                                                          Not Available




Yes                 Yes               No                Yes              Yes                             No
                                                                                          Yes

the banks           both              Not Applicable both                both                            Not Applicable
                                                                                          the banks

Yes                 Yes               Not Applicable Yes                 Yes              Yes            Not Applicable


No                  No                Not Applicable No                  Yes              Yes            Not Applicable


            0.006                   0 Not Applicable Not Available       Not Available            0.02 Not Applicable


Not Available       Not Available     Not Applicable Not Available                 3362                  Not Applicable
                                                                                          US$ 1493

Not Available       Not Available     Not Applicable Not Available       400000 KZT                  Not
                                                                                          KSHS.100,000 Applicable


Yes                 Yes               Not Applicable Not Available       Yes                             Not Applicable
                                                                                          No

               The deposits referred to as “the Payment
J$300,000 per depositor per account Applicable category and Settlement Deposits”, which satisfy the following three conditions
                                                                                             Not
                               Not ownership Not Available Not Available KSHS.100,000 Applicable
No                  Not Available       Not Applicable Not Available      No               No             Not Applicable


Yes                 No                  Not Applicable Not Available      Yes              Yes            Not Applicable


No                  No                  Not Applicable Not Available      Yes              No             Not Applicable


No                  Not Available       Not Applicable Not Available      Yes              No             Not Applicable


                 For 8.1.10 and 8.1.10.1//The prime recommendation of the //deposit insurer and the OF KENYA in consultation
                                 Not Applicable Not Available Not Applicable CENTRAL the management Banks. The
                                                                                               Not Supervisor
The Minister of Finance and Planning, acting on the minister may make a disposition to //orderBANKApplicable of the busines


No                  No                  Not Applicable Not Available      No               Yes            Not Applicable


              Not Available                     0 not Available Not Available Not savings protection scheme. There are
Large denominated debt liabilities as defined, are Not covered by any explicit or implicit AvailableNot Applicable


                0                   2                   0 Not Available               50              4                   1


                0                   3                   0 Not Available   Not Available               0                   0


                since
No bank falures Yes 1998                Not Applicable Not Available      Yes              Yes            Not Applicable


Not Applicable Not Available            Not Applicable Not Available      Not Available    1 month        only failure still in receivership


                Not Available    in the last 5 years.
Not Applicable. No bank failures Not Applicable Not Available             Not Available    2 months       Only failure still in receivership.


Not Available       No                  Not Available     Not Available   No               No             Not Available


Yes                 No                  Not Applicable Not Available      No               Yes            Not Applicable


No                  Yes                 Not Applicable Not Available      Not Available    Yes            Not Applicable


No                  No                  Not Applicable Not Available      Not Available    No             Not Applicable


No                  Not Available       Not Applicable Not Available      Not Available    No             Not Applicable


No                  Not Available       Not Applicable Not Available      Not Available    Yes            Not Applicable
Yes             Not Available    Not Applicable Not Available         Not Available        No             Not Applicable


Yes             Yes              Not Applicable Yes                   No                   Yes            Not Applicable




               Yes             No              Yes
Yes, where payment is three months or more in arrears                 Yes                                 Yes
                                                                                           Yes

90 days or moreYes               No               Yes                 Yes                                 Yes
                                                                                           Yes

Yes             Yes              No               No                  Yes                                 No
                                                                                           No

various factors Yes              No               No                  Yes                                 No
                                                                                           No

                                Not Applicable               90               30
             90 90 . However, restuructured loans would be classified as substandard without 90 pastdue. 60
                                                                                 90-180 days

                                Not without 180          180                60                             90
            180 180 . However, evenApplicable pastdue, thre are other criteria which would classify the loan as Doubtful.
                                                                                180 days to 12 months

            360 Not Available    Not Applicable                360                   90                              180
                                                                                           12 months and over

                 Not Available Not Applicable
the greater of 1% of total credit or 205 of estimated net loss 0.25 0.05 to 0.10                                      0.2
                                                                                                    0.2

                 of Available       100% of estimated loss
the greater of 15Nottotal credit or Not Applicable                0.5 0.20 to 0.25                                    0.5
                                                                                                     1

                 Not Available Not Applicable
the greater of 1% of total credit or 100% of estimated net loss    1 0.5 to 1.00                                       1
                                                                                                     1

                                Not Available
          0.008 0.017 (as of endmarch 2006)                  0.024                   0.3                          0.0107
                                                                                                  0.108

               No
Case by case basis               No               Yes                 Yes                                 No
                                                                                           Yes

          0.018 Not Available    Not Available               0.024 Not Available                                   0.079
                                                                                                  0.087

          0.015 Not Available    Not Available               0.008 Not Available                 0.0654            0.057


                 General provisions
                                 Specific provisions
                                                  Specific provisions Available Specific provisions can be deducted be dedu
                                                                   Not
Specific provisions can be deductedcan be deductedcan be deductedcan be deducted             General provisions can
                                VARIABLE                  0.35 Not Available              0.3              0.2
          0.333 Tax Rates for Ordinary Income Corporate tax rates applicable to ordinary corporations including domestic one


                                VARIABLE                  0.35 Not Available              0.3              0.2
          0.333 Tax Rates for Ordinary Income Corporate tax rates applicable to ordinary corporations including foreign ones




Yes               No               Yes              Yes              Not Available               Yes
                                                                                     Yes

No                No               Yes              Yes              Not Available               Yes
                                                                                     No

             90             180 Not Available                  90 Not Available                               91
                                                                                     180 days

Yes               Yes              No               Yes              Yes                         Yes
                                                                                     Yes

Yes               Yes              Yes              Yes              Yes                         Yes
                                                                                     Yes

Yes               Yes              Yes              Yes              No                          No
                                                                                     Yes

                Not Available £20,217MN           4720.8 Million JD2879237 mln included onbalance sheet Euro
                                                                                    K            million
J$11.6bn in legally binding obligations under guarantees and letters of credit areKZTes. 108,87676,025,000in keeping with IFRS


Yes               Yes              No               Yes              Yes                         No
                                                                                     Yes

Yes               Yes              Yes              Yes              Yes             Yes         Yes


                 fine not exceeding $1mn or imprisonment for a term not //exceeding six vary Impose fines from 250 to to //im
                                 Not Applicable According to the sanction law penalties months or officer could be liable impris
                                                                    banking apply The responsible to both such fine and 2,500
On conviction, a Penal servitude or fine, reparations to the //damage of the secruties holders. from //addressing a written warnin


No                No               No               No               Yes             Yes         No


Not Applicable Not Applicable Not Applicable Not Applicable Not Available            15 times    Not Applicable


No                No               No               No               Yes                         No
                                                                                     No

              1               10               10                5               10 Not Applicable              0


              0               10                0                0 Not Available     Not Applicable             0
Not Available   Yes              Yes             Not Available   Yes        No          No


Not Available   Yes              Yes             Not Available   Yes        No          No


Not Available   Yes              Yes             Not Available   No         No          No




No              Yes              No              Not Available   Yes        Yes         Yes


                  penalty subject Noconviction
No, imposition ofNo               to             Not Available   Yes        No          No


Yes             Yes              Yes             No              Yes        Yes         Yes


Yes             Yes              No              Yes             Yes        Yes         Yes


Yes             Yes              No              No              No         Yes         Yes


Yes             Yes              No              No              No         Yes         Yes


No              Yes              No              Yes             No         Yes         Yes


               The CompaniesNo the Deposit Insurance//Function on banks and banking Regulation 1999/21,
                                Act;           Financial Act               Banking There are other //bankruptcy relate
The Banking Act; theDeposit Insurance Law. TheNot Available Law Reconstruction Law. Act and Companies Act Section 39


No              No               No              No              No         Yes         No


Yes             Yes              No              Yes             No         Yes         Yes


Yes             No               Yes             No              Yes        Yes         No


No              No               No              No              No         No          No


No              No               No              No              No         No          No


No              No               No              No              No         No          No
gulation Act, 1949 for suspension of business by a banking company and to prepare scheme of reconstitution or amalgamation


            No              Yes             Yes             Yes             Yes            Yes          Yes


            No              No              Yes             No              Yes            Yes          No


            No              No              No              No              No             No           No


            No              No              No              No              No             No           No


            Yes             No              No              No              No             No           No


            The Minister of Finance and Planning


            No              Yes             No              No              Yes            Yes          Yes


            No              Yes             Yes             Not Available   Yes            Yes          Yes


            No              No              No              Not Available   No             Yes          No


            No              No              No              Not Available   No             No           No


            No              No              No              Not Available   No             No           No


            Yes             No              No              Not Available   No             No           No


            The Minister of Finance and Planning


            Yes             Yes             Yes             Yes             Yes            Yes          Yes


            Yes             No              Yes             No              No             Yes          No


            No              No              No              No              No             No           No


            No              No              No              No              No             No           No
No             Not Available   No      No              No    No    No




Yes            Yes             Yes     Yes             Yes   Yes   Yes


Yes            No              Yes     No              No    Yes   No


No             No              No      No              No    No    No


No             No              No      No              No    No    No


Yes            Not Available   No      No              No    No    No


The Minister of Finance and Planning


Yes            Yes             Yes     Not Available   Yes   Yes   Yes


No             No              Yes     Not Available   No    Yes   No


No             No              No      Not Available   No    No    No


No             No              No      Not Available   No    No    No


Yes            No              No      Not Available   No    No    No


The Minister of Finance and Planning   Not Available


No             No              No      Not Available   Yes   No    No


No             No              No      Not Available   No    No    No


No             No              No      Not Available   No    No    No


No             No              No      Not Available   No    No    No
             No                 Yes               No                Not Available   Yes             No             Yes


                                                                 Not Available The Kazakhstan individuals deposits not have a explicita dete
                                                                                                                 We do quarantee make depo
                                In accordance with the provision of article 102 of Deposit Insurance Law, the //Prime Minister may(insurance) f


                            0 Not Available                       0 Not Available   Not Available              3                 1


                            0 Not Available                       0 Not Available   Not Available   Negative capital          0.04


                            0 Not Available                       0 Not Available   Not Available              1                 0


                            0 Not Available                       0 Not Available   Not Available         0.0896                 0


                            0                   2 Not Available     Not Available   Not Available              3                 0


                            0 Not Available       Not Available     Not Available   Not Available           0.03                 0


                            0 1/0.053             Not Available     Not Available   Not Available              Not Available
                                                                                                    A commercial bank converting to an industri


             Not Applicable                  13 Not Available       Not Available   Not Available   6 months       Not Available only bank closure


             Yes                No                No                No              No              Yes            Yes


             Yes                Yes               Yes               No              Yes             No             No


             Yes                No                No                Yes             No              No             No


             No                 No                No                No              No              No             No


             No                 Not Available     No                No              No              No             No


e an application to the Courts. The Courts //have the power to appoint a receiver. The Bank Supervisor is able to supervise //licenceholders


             No                 No                Not Available     Yes             No              No             No


             No                 Yes               Yes               No              Yes             No             No
Yes             Yes                 Yes           Yes             Yes             Yes         Yes


            0                   0               0 Not Available   Not Available           1             0




Yes             No                  No            Yes             No                          No
                                                                                  Yes

Yes             Yes                 Yes           No              No                          No
                                                                                  No

No              No                  Yes           No              No                          No
                                                                                  No

No              Yes                 Yes           No              Yes                         Yes
                                                                                  No

Not Applicable FSA                              Not Applicable COMMISSION Not Applicable entral Banking Authority sup
                                                                                         C
                                    JERSEY FINANCIAL SERVICESAgency of the Republic of Kazakhstan on regulation andof Ko


Yes             Yes                 Yes           Not Available   Yes                         Yes
                                                                                  No

Bank of JamaicaFSA                              Not Available COMMISSION Not Applicable entral Banking Authority sup
                                                                                         C
                                    JERSEY FINANCIAL SERVICESAgency of the Republic of Kazakhstan on regulation andof Ko


No              No                  No            Yes             No                          Yes
                                                                                  No

Yes             No                  Yes           No              No                          Yes
                                                                                  Yes

No              Yes                 Yes           No              No                          Yes
                                                                                  No

No              Not Available       No            No              Yes                         Yes
                                                                                  No

No              Yes                 No            Yes             Yes                         No
                                                                                  Yes

Yes             No                  Yes           No              No                          No
                                                                                  No

No              No                  No            No              No                          No
                                                                                  No

No              No                  No            No              No                          No
                                                                                  No
No                Yes               No                No               No                               Yes
                                                                                        No

Yes               No                No                Yes              No                               No
                                                                                        Yes

5 years           Not Applicable Not Applicable 5 years                Not Applicable                Not Applicable
                                                                                        Four years, eligible for re-appontment, cann

No                Yes               No                Yes              Yes              Yes             Yes


Yes               No                Yes               No               No                               No
                                                                                        No

No                No                No                No               No                               No
                                                                                        No

No                No                No                No               No                               No
                                                                                        No

No                No                No                No               No                               Yes
                                                                                        No




Yes               Yes               Yes               Yes              Yes                              No
                                                                                        Yes

Yes               Yes               Yes               Yes              Yes              Yes             Not Applicable


No                Yes               No                No               No               No              Not Applicable


No                Yes               No                No               No               No              Not Applicable


             64               450                 8               57               34                               17
                                                                                                   18

                For major banks onsite examinations a year bank atAvailable per average years)scope and
                                              1.9 once of For     Not least once An year.         5 full
By law BOJ is required to conduct5times (for last 5 years),eachother banks 2.6 times (for last 5 of 5 inspections 5 limited scope


Not Available                    £9.4MN
                  Approximately 18 billion yen.       Not Available                    Kes 237 million (FY. 2006/7) Bank Supervi
                                                                                                    175,500 Euro for
                                                                       Budget of National Bank of Kazakhstan


BOJ funds                         LICENCE FEEScentral banks funds Available Government Funds come from Operating //
                                                                    Not
                  National budget//////For 12.7//As an approximateion, for large banks: Annulaly, for medium size banks: everyinc


Annually          Annually          Every two years Annually           Annually                         Annually
                                                                                        Annually
            27 Not Available                   2              40 Not Available                            0
                                                                                           5

          13.7 Not Available                   3 Not Available   Not Available                            3
                                                                                           8

Yes            Not Available   Yes                 Yes           Not Available                 Yes
                                                                                 Yes

Yes            Not Available   No                  Yes           Not Available   Yes           No


No exceptions Not Available    Not Available       No exceptions Not Available                 Banking
                                                                                 Minister for Finance Supervision Committe


Not Applicable Not Available   Not Applicable Not Applicable Not Available                 1              8


No             No              No                  Yes           Not Available                 No
                                                                                 No

No             Not Available   No                  Yes           Not Available                 Yes
                                                                                 No
Kuwait                             L
                     Kyrgyz Republic atvia                Lebanon          Lesotho           Liechtenstein




                National       Kyrgyz RepublicCentral Bank of Central Bank of FMA Financial amounts are in //thousands.
                                                               Commission
Central Bank of Kuwait Bank ofThe Financial and Capital MarketLebanon (BDL) Lesotho. All the Market Authority //Principality


No                   No                  No               No               No                No


No                   Yes                 No               No               No                No


Not Applicable                      3 Not Applicable Not Applicable Not Applicable                         1


                10                  20               23               64                 5                 16

kd 21,611.6
                     22 billion soms 10 943 mil LVL USD 71 billion USD 540 482               USD 33,4 bn
million

kd 13,503.3          11.7 billion                         USD 56.3
                                         6 200 mil LVL                     USD 341 091m USD 23,6 bn
million              soms                                 billion

kd 12,328.5                                                USD 17.2
                     7.7 billion soms 6 960 mil LVL                        USD 96 554m       USD 13,1 bn
million                                                   billion

                     300 million         5 mil EUR         For a
kd 75 million                                             commercial       USD 1 428 571 CHF 20 million
                     soms                (=3.5 mil LVL)
                                                          bank, the
                     300 million                           The same        Same as
kd 75 million                            5 mil EUR        minimum for a                      CHF 20 million
                     soms                                                  above
                                                          domestic bank
                     300 million                           The same        Same as
kd 15 million                            Not Available    minimum for a                                     0
                     soms                                                  above
                                                          domestic bank

Yes                  Yes                 Yes              Yes              No                Yes


Yes                  Yes                 Yes              Yes              Yes               Yes


No                   No                  No               No               No                Yes


No                   No                  No               No               No                No


Yes                  Yes                 Yes              Yes              Yes               Yes
Yes              Yes            Yes            Yes       Yes       Yes


Yes              Yes            Yes            Yes       Yes       Yes


Yes              Yes            Yes            Yes       Yes       Yes


Yes              Yes            Yes            Yes       Yes       Yes


Yes              Yes            Yes            Yes       Yes       No


Yes              Yes            Yes            Yes       Yes       Yes


Yes              Yes            Yes            Yes       Yes       Yes


             0              0              0         5         5              0


Not Applicable Not Applicable Not Applicable         0         5 Not Applicable


Not Applicable Not Applicable Not Applicable         5         0 Not Applicable


Not Applicable Not Applicable Not Applicable         0         0 Not Applicable


            14              2              0         2         1              4


            10              0              0         0         0              1


             0              0              0         0         0              3


             0              0              0         0         0              0


             0              0              0         0         0              0


             0              1              0         2         0              0


             0              0              0         0         0              0
                0                0                0                 0                0                0


            14                   0                0                 0                1                0


            10                   0                0                 0                0                0


                0                0                0                 0                0                0


                0                1                0                 0                0                0


                0                0                0                 0                0                0


                0                0                0                 0                0                0


Not Available       Not Applicable Not Applicable Not Applicable Yes                     No


Not Available       Not Applicable Not Applicable Not Applicable Yes                     No


Not Available       Not Applicable Not Applicable Not Applicable Yes                     Yes


Not Available       Not Applicable Not Applicable Not Applicable No                      No


Not Available                                                                   No
                    Not Applicable Not Applicable Not Applicable Some of the applicnts were not fit and proper


No                  No               No               No                No               No


No                  No               No               No                No               No


No                  No               No               No                No               No


No                  No               No               Yes               No               No


                                                  1 Not Available                     1                1
                1 Legal entities, not engaged in banking and/or financial activity, including the activity related to the banking and/
Yes              Yes                 No                  Yes                 Yes                 No


Not Available                      Not Applicable For foreign financial activity, includinglicensed bank, direct the banking and/
                                                                   10 per a domestically the activity related the commissioner
                                                                                      Not Applicable
                 Legal entities, not engaged in banking and/orinvestors in cent unless approval is granted by toinvestment canno


Yes              Yes                 Yes                 Yes                 Not Available       Yes


Not Available                                    1               1 Not activity,                    1
                 Legal entities, not engaged in banking and/or financialAvailableincluding the activity related to the banking and/


Yes              Yes                 No                  No                  Yes                 No


Yes              Yes                 Yes                 Yes                 Yes                 Yes


Yes              Yes                 Yes                 Yes                 Yes                 Yes


Restricted       Restricted          Permitted           Permitted           Restricted          Permitted


Not Available    Not Available       Not Available                                                     0.06
                                                                        0 In our five banks there is one conglomerate that owns 70 per


Restricted       Permitted           Permitted           Permitted           Prohibited          Permitted


        0.8765               0.355               0.696               0.483                0.95               0.92


         0.875               0.636               0.673               0.481                0.95               0.91


        0.7472               0.528           0.9995                   0.95                0.95                 1




             0.12 12%; 6%                         0.08                0.12                0.08               0.08


Yes              Yes                 Yes                                with             extra
                                                         Yes, complianceYes Basel I withYes requirements


No               Yes                 No                  No                  No                  No


Yes              No                  No                                 No              No
                                                         No,but 12% requirement is above Basl requirement of 8%.,thus generally cov
Yes                 No             No               No                   No                  No


No                  Yes            No               No                   No                  No


Not Applicable             0.08 Not Applicable Not Applicable Not Applicable Not Applicable


        0.1674 12%; 6%                     0.101                0.23                0.22           0.185


         0.161            0.179           0.0883              0.203                 0.29           0.238


Yes                 Yes            Yes              Yes (Tier II)        Yes                 Yes


No                  Yes            No               No                   No                  No


                                70% of fixed    Not allowed since 1997 50% of the Basel accord
                                                                 As and                           0
           0.55 1.25% of riskweighted assets assets revaluation gain prescribed inavailable for sales fin. assets




Not Available             0.048            0.043 Not Available                   0.0086             0.36


Not Available             0.449            0.527              0.604                      1          0.05


Not Available                  1                1                   0                    1            1


                4              5                9                   25                   4            8


Yes                 No             Yes              Yes                  Not Available       Yes


Yes                 No             No               Yes                  Not Available       Yes


Yes                 No             No               Yes                  Not Available       Yes


Yes                 Yes            Yes              Yes                  Yes                 No


No                  No             No               No                   No                  No
Not Available            0.039             0.0307 Not Available               0.009                 0.332


Not Available            0.455                 0.442 Not Available                  1               0.055


Not Available                  0           0.0549 Not Available                     0               0.438


Not Available            0.253                 0.628 Not Available                  1               0.064




Unrestricted    Unrestricted       Permitted         Unrestricted    Unrestricted       Permitted


Restricted      Prohibited         Permitted         Prohibited      Prohibited         Restricted


Prohibited      Unrestricted       Permitted         Prohibited      Prohibited         Unrestricted


Permitted       Restricted         Permitted         Permitted       Prohibited         Permitted




Yes             Yes                Yes               Yes             Yes                Yes


Yes             Yes                Yes               Yes             Yes                Yes


Yes             Yes                Yes               Yes             Yes                No


Yes             Yes                No                Yes             Yes                Yes


Yes             Yes                Yes               Yes             Yes                Yes


Yes             Yes                Yes               Yes             Yes                Yes


Yes             No                 Yes               Yes             Yes                Yes


Yes             Yes                Yes               Yes             Yes                Yes
Yes              Yes              Yes              Yes              Yes               Yes


Yes              Yes              No               Yes              Yes               Yes


No               No               No               No               No                No




Yes              Yes              Yes              Yes              Yes               Yes


Yes              No               No               Yes              Yes               No




Yes              Yes              No               Yes              Yes               Yes


Yes              Yes              Yes              Yes              Yes               Yes


                                 The except banks limit is 20% of20%; capital for reserves funds exceed 25% of the of rela
                                                 transactions with exposure with one client may not borrower or borrowers: n
                                                                   bank's banks 25%single resident
15% of Total Capital single borrowers:ammount ofthe no more than25% offorequityand a more than 30%. For relatedgroup own fu
               For                                                                no of own


Yes              No               No                                 No              No
                                                   No limit exists,but there are general guidelines set in the context of credit risk


No               No               No                               Not Available
                                                   Yes,general guidelines are set. No


No               No               No                               No                abroad: Each loan granted to nonresidents
                                                   No,but there are limits to lendingNo


Yes              Yes              Yes              Yes              Yes               Yes


              The to 20% reserve of Reserve base (nonMFIlocal //leveldebtcurrencies: 1.Mandatory amount to //liabilities asB
                                8 % requirements remained at deposits; of areeither deposits banksof //Central33%Central c
                                                 Liquidity //(in the currency) in of liabilitieskeep 3% placements at ofMFIs, /
                                                                   The banks //securities issuedmust subject to //reservation
                                                                                  Liquid to of by the deposit Bank shortte
Banks must keep up norm of of their customers' //deposits reserves in foreign10%requiredassetswith a bank; liabilities toof Kuwa


Yes              Yes              Yes              Yes              No                No


                The interest varies.
                                  22.25 the average interest rate for Applicable banking system
                                                  The               paid depends Not type and
Not a constant percentage; it is equal to% per annuminterest //rate Not deposits of on theApplicablematurity of the deposit.


No               No               No               Yes              No                Yes
Not Applicable Not Applicable Not Applicable                   Not Applicable 100% transfer to = 15% of deposits in fore
                                                 Mandatory placements at Central Bankifof Lebanon Liechtenstein is ensured


No                  No           No              Yes              No               No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Not Available            0.684         0.7175             0.694 28 per cent                 0.525


Not Available            0.777          0.705             0.682 1 per cent                  0.585


Not Available            0.053            0.03            0.249 17per cent         Not Available


Not Available            0.591          0.567             0.794 28 per cent                 0.771


                0           0           0.504             0.046                0            0.133




No                  No           Yes             Yes              No               Yes


Not Applicable Not Applicable both                              Not and the banks
                                                 Both the governmentApplicable the banks


Not Applicable Not Applicable Yes                Yes              Not Applicable No


Not Applicable Not Applicable No                 No               Not Applicable No


Not Applicable Not Applicable          0.0032            0.0095 Not Applicable Not Applicable


Not Applicable Not Applicable Not Available      Not Available    Not Applicable 15' 900


Not Applicable Not Applicable Not Available      Not Available    Not Applicable Not Available


Not Applicable Not Applicable Yes                Yes              Not Applicable Yes


Not Applicable Not Applicable 9 000 LVL                         Not Applicable CHF 31'
                                                 LBP 5,000,000 (equivalent to USD 3,317) 000
Not Applicable Not Applicable No                        Yes               Not Applicable Not Available


Not Applicable Not Applicable Yes                       Yes               Not Applicable Yes


Not Applicable Not Applicable No                        No                Not Applicable No


Not Applicable Not Applicable Yes                       No                Not Applicable No


Not Applicable Not Applicable Not Applicable Not Available                Not Applicable Financial Market Authority


Not Applicable Not Applicable No                        No                Not Applicable No


Not Available   Not Available       Not Available                0.84 Not Available           deposits of banks, insurance companies, inv


Not Available                   1                   0                 2                   0                 0


Not Available   Not Available                       0 Not Available                       0                 0


Not Applicable Not Applicable No                        Yes               Not Applicable Yes


Not Applicable Not Applicable Not Applicable 5 years                      Not Available       not a single case yet


Not Applicable Not Applicable Not Applicable 5 years                      Not Available       not a single case yet


Not Available   Yes                 No                  Yes               No                  No


Not Applicable Not Applicable Yes                       No                Not Applicable No


Not Applicable Not Applicable No                        No                Not Applicable No


Not Applicable Not Applicable No                        No                Not Applicable No


Not Applicable Not Applicable No                        No                Not Applicable Yes


Not Applicable Not Applicable No                        Yes               Not Applicable No
Not Applicable Not Applicable Yes                        No                Not Applicable No


Not Applicable Not Applicable Yes                        Yes               Not Applicable Yes




Yes                 No                  Yes              Yes               Yes              Yes


Yes                 No                  No               Yes               Yes              Yes


No                  No                  No               Yes               No               No


No                  Yes                 Yes              No                No               No


            90                  30                  30                90                90 Not Available


           180                  60                  90              180               180                90


           360                  90                                                     360 Not
                                                   180 180 , if the loan is totally uncollectibleAvailable


            0.2                0.25                                                 0.2 Not Available
                                                   0.3 No provisions required , nonaccrual of interest only


            0.5                 0.5                                                    0.5 recovery rate
                                                   0.6 Partial provision is required, interest and charges are unrealized


                1                   1                1                 1                 1 recovery rate


Not Available                0.027              0.0044            0.017            0.0031             0.004


Not Available       No                  Yes              No                No               Yes


Not Available                  0.08              0.029            0.016              0.04            0.0111


Not Available                0.057              0.0215            0.013              0.08            0.0115


Not Available       Not Available                        Specific provisions
                                                                          General provisions
                                                                                          Specific provisions
                                        Specific provisions can be deductedcan be deductedcan be deductedcan be deducted
Not Available                0.2              0.15                0.15             0.35 At least 15%; varies if dividends are paid.


Not Available                0.2              0.15                0.15             0.35 At least 15%; varies if dividends are paid.




Yes              Yes               Yes                 Yes               No               Yes


No               No                No                  No                No               No


            90                90               90                   90               90                 90


Yes              Yes               Yes                 Yes               No               Yes


Yes              Yes               Yes                 Yes               Yes              Yes


Yes              Yes               Yes                 Yes               No               Yes


Not Available                      1
                 19.7 million dollars586 mil LVL       USD 2.0 billion USD 9 456          USD 89,2 bn


Yes              No                Yes                                  disclosed to the Supervisory Authority
                                                       No, but they are No               Yes


Yes              Yes               Yes                 Yes               Yes              Yes


Not Available                    100250 LVL       Imprisonment and depends on fines
                                                                     It payment of the severityunder administrative law > given tim
                                                                                      sanction of the problem.
                 issue orders binding for execution on //rectification of discovered violations //immediately or during the USD 80


Not Applicable Yes                 No                  Yes               No               No


Not Applicable as needed           Not Applicable Not Available          Not Applicable Not Applicable


No               No                Not Available       No                No               No


Not Available                  1                   5                 5 Not Available                    2


Not Available                  0                   0                 0 Not Available                    0
Yes             No              Yes             Yes             No              Yes


No              No              No              No              No              Yes


No              No              Yes             Yes             No              Yes




Yes             Yes             No              Yes             Yes             Yes


Yes             Yes             No              No              Yes             No


Not Available   Yes             Yes             Yes             Yes             Yes


No              Yes             Yes             Yes             Yes             Not Available


No              No              No              Yes             No              No


No              No              No              Yes             No              No


Yes             No              Yes             Yes             Yes             No


                The Law of of Kuwait.
                               The Ctedit on conservation,
                                                 Code of Money and Credit, Law 110/91,not banks and subsequent amendme
                                                                Currently our law does of cover
                                                                                 Banking Act//Bankruptcy Act
The Law of the Central BankKyrgyz RepublicInstitutions Law //liquidation and bunkruptcy Law 2/67that but under //the new rev


No              Yes             No              Not Available   Not Available   Yes


Yes             No              No              No              No              No


No              Yes             Yes             Yes             Yes             Yes


No              No              No              No              No              No


No              No              No              No              Yes             No


No              No              No              Yes             No              No
amalgamation                Higher Banking Council (HBC), where Central Bank and the Banking Control


          Yes   Yes   Yes   Yes             Yes             Yes


          No    Yes   Yes   Yes             Yes             No


          No    No    No    No              No              No


          No    No    No    No              Yes             No


          No    No    No    Yes             No              No


                            Higher Banking Council (HBC)


          Yes   Yes   Yes                   Yes              Yes
                            No, but regulations of the Central Bank set the requirements.


          No    No    Yes   No              Yes             Yes


          Yes   No    No    Yes             Yes             No


          No    No    No    No              No              No


          No    No    No    No              No              No


          No    No    No    Yes             No              No


                            Higher Banking Council (HBC)


          Yes   Yes   Yes   No              Yes             Yes


          Yes   Yes   No    Yes             Yes             No


          No    No    No    No              No              No


          No    No    No    No              No              No
No    No              No    Yes            No               No


                            Higher Banking Council (HBC)    only senior management, i.e. supervisory an


Yes   Yes             Yes   No             Yes              Yes


No    Yes             No    Yes            Yes              No


No    No              No    No             No               No


No    No              No    No             No               No


No    No              No    Yes            No               No


                            Higher Banking Council (HBC)    only senior directors can be replaced by the


Yes   Not Available   Yes   Yes            Yes              Not Available


No    Not Available   No    No             No               Not Available


No    No              No    No             No               Not Available


No    No              No    No             No               Not Available


No    No              No    Yes            No               Not Available


                            Central Board of Central Bank


No    Not Available   Yes   No             No               No


No    Not Available   No    No             No               No


No    Not Available   No    No             No               No


No    Not Available   No    No             No               No
             No                Not Available       No                  No                  No                  No


                                insurance scheme nor any other type of //insured liabilitites.
 do not have a explicit depositNot Available


             Not Available                     0                   0                   2                   0                   0


             Not Available                     0                                                     0
                                                                   0 negligible in 2001, and negligible in 2002                0


             Not Available                     1                   0                   3                   0                   0


             Not Available              0.0003                     0          0.04175                      0                   0


             Not Available                     0                   0                   8                   0                   1


             Not Available                     0                   0 0.6% in 2001 2.44% in 2002            0              0.01


             Not Available     Not Available       Not Available       Not Available       Not Available       Not Available


             Not Available     8 months            Not Available                   12 Not Available                            6


             No                No                  Yes                 No                  Yes                 No


             Yes               Yes                 Yes                 Yes                 No                  Yes


             No                No                  No                  No                  No                  No


             No                No                  No                  No                  No                  No


             No                No                  No                  No                  No                  No


o supervise //licenceholders and former licenceholders.////For 11.12, Court approval is not required for re


             No                No                  No                  No                  No                  No


             Yes               Yes                 Yes                 Yes                 No                  Yes
No               Yes            Yes             Yes            Yes             Yes


Not Applicable                1 Not Available                2 Not Available              0




Yes              Yes            No              No             Yes             Yes


No               No             Yes             Yes            No              Yes


No               No             No              No             No              No


No               No             Yes             No             Yes             Yes


                                              Not Applicable Commission FMA Financial Market Authority
Not Applicable Not Applicable The Financial and Capital MarketCentral Bank of Lesotho


Yes              No             Yes             Yes            Yes             Yes


Not Available                                   the Banking Control CommissionThe aforementionene
                                                                Commission
                 Not Applicable The Financial and Capital MarketCentral Bank


No               No             No              No             No              No


Yes              No             No              No             No              No


No               Yes            Yes             No             No              Yes


No               No             No              Yes. (HBC)     Not Available   No


Yes              Yes            No              No             Yes             No


No               No             No              No             No              No


No               No             Yes             No             No              No


No               No             No              No             No              No
No                  No               No                                  No
                                                         Yes Council of Ministers           Yes


Yes                 Yes              Yes                 Yes               Yes              Yes


                 7 years         afterwards.
5 years, and it could be renewed 6 years                 5 years           5 years          5 years


Yes                 Yes              No                  No                Yes              No


No                  No               No                  No                No               No


No                  No               Yes                 No                No               No


No                  No               No                  No                No               No


No                  No               No                                  No               No
                                                         Yes, Council of Ministers under restrictive conditions




Yes                 Yes              Yes                 Yes               No               Yes


Yes                 Yes              Yes                 Yes               Not Applicable Yes


No                  No               Yes                 Yes               Not Applicable Yes


No                  No               Yes                 Yes               Not Applicable Yes


           117                  32                  24                87                4                4


                2            39208                  8                  3                4 0 by the FMA; 80 by mandated external aud


Not Available       Not Available    2.25 mil LVL                         USD 325 to USD 9.95 million)
                                                         LBP 15 billion (equivalent 030 approx. USD 4,8 mio


Not Available       Not Available                      Central and of Lebanon(BDL). approx. are financed from //payments the f
                                                                       The Central Bank of Lesotho
                                     Activities of the FinancialBank Capital Market Commission 2/3 by the state//approx. 1/3 byof the


Less frequently Annually             Annually                              two years,   Annually
                                                         A full audit everyAnnually and a followup update every six months.
            44                 5             14                40                 3                 0


            15 Not Available                  9                10                 2                 3


Yes              Yes               Yes            Yes                Yes              Yes


Yes              Yes               No             Yes                Yes              Yes


Not Available                   Not Applicable The Higher Banking Council (HBC) and/oradvising managementCentral Bank
                 Supervision Committi, Board                                  Not Available
                                                              The technical committee the Central Board of


Not Available                  0 Not Applicable                  5                0                 0


No               No                No                              No               No
                                                  Yes, the individual supervisor can be held liable,but currently there is a draft la


Yes              No                Yes            No                 No               No
Lithuania       Luxembourg                                 Malawi
                                 Macao, China Macedonia, FYR                              Malaysia




                Minister      The Chief Executive of Macao ofReserve Bankof MinisterMonetary Authority of Macao ('AMCM
                                             National of the //Commission from //the of du Secteur Financier
                                                               the Republic of Surveillance
                                                                               Malawi
The Bank of Lithuania of Treasury and Budget in chargeBank SAR, on advice deMacedonia Finance (MoF) on recommendati


No              No               No                No                   No                No


No              No               No                Yes                  Yes               Yes


Not Applicable Not Applicable Not Applicable                       12 Not predetermined              2


                          foreign bank branches
10 commercial banks and 2 155              27                      20                10              29

12989 EUR       €                MOP 216.12        140,436 mill.                          MYR844,599.5
                792.422.000.00                                          K84.97 billion
million                          billion           denars                                 million
                0
7279 EUR        €                MOP 184.84        97,922 mill.                           MYR644,891.1
                637.389.000.00                                          K57.04 billion
million                          billion           denars                                 million
                0
7518 EUR        €                MOP 65.23         58,908 mill.                           MYR526,776.0
                545.072.000.00                                          K25.58 billion
million                          billion           denars                                 million
                0
                € 8.700.000 of   MOP 100           3,500,000                    MYR2 billion
5 EUR million   which €          million (or       EUR/          US$1.5 million per domestic
                6.200.000        USD 12.5          9,000,000 EUR                banking group
                                 MOP 100           3,500,000                    MYR300
5 EUR million   € 8.700.000      million (or       EUR/          US$1.5 million
                                                                                million
                                 USD 12.5          9,000,000 EUR
5 EUR million € 8.700.000        Branches are      The exsisting                n.a - they must
for non EU    (for non-UE        required to       legal         Not Available be locally
bank branches branches)          maintain at all   framework                    incorporated

Yes             Yes              Yes               Yes                  Yes               Yes


Yes             Yes              Yes               Yes                  Yes               Yes


No              Yes              No                Not Available        No                No


Yes             No               No                Yes                  No                Yes


Yes             Yes              Yes               Yes                  Yes               Yes
Yes       Yes            Yes            Yes       Yes       Yes


Yes       Yes            Yes            Yes       Yes       Yes


Yes       Yes            Yes            Yes       Yes       Yes


Yes       Yes            Yes            Yes       Yes       Yes


Yes       Yes            Yes            Yes       Yes       Yes


Yes       Yes            Yes            Yes       Yes       Yes


Yes       Yes            Yes            Yes       Yes       Yes


      1              0              0         2         3                 0


      0 Not Applicable Not Applicable         2         1 Not Applicable


      1 Not Applicable Not Applicable         0         2 Not Applicable


      0 Not Applicable Not Applicable         0         0 Not Applicable


      5              7             10         4         7 Not Available


      0              0              2         1         2 Not Available


      4              6              3         1         5 Not Available


      0              1              1         0         2 Not Available


      0              0              0         1         0 Not Available


      0              0              2         3         2 Not Available


      0              0              1         1         0 Not Available
             0               0                0               0                1 Not Available


             1               1                5               0                0 Not Available


             0               0                0               0                0 Not Available


             0               0                0               0                0 Not Available


             0               0                0               0                0 Not Available


             0               0                0               0                0 Not Available


             0               0                0               0                0 Not Available


Not Applicable Not Applicable No                  Yes             Yes            Not Available


Not Applicable Not Applicable Yes                 No              Yes            Not Available


Not Applicable Not Applicable No                  Yes             Yes            Not Available


Not Applicable Not Applicable Yes                 No              No             Not Available


               Not Applicable Questionable business plan;//Inadequate internal Not Availablerisk management //processes.
                                                  No
Presented reasons could cause for denial of the //applications. No             controls and


No               No              No               No              No             No


No               No              No               No              No             No


No               No              No               Yes             Yes            Yes


No               No              No               No              No             No


                                           1                 1               1 0.30 for commercial banks, 0.49 the shares
             1 The company law requires always at least 2 shareholders so that the foreign entity could acquire allfor Islamic
No                  Yes                 No                  No                  No                  Yes


               Minimum least 10 shareholders.Not Applicable of them only owns 1 share)
                                Not Applicable This shall one Not Applicable 0.10 for individuals, 0.20 for is a Lithuanian
Note. A bank must have atof 2 shareholders required (even ifnot be applied where one of a bank’s shareholderscorporates


Yes                 Yes                 Yes                 Yes                 Yes                 Yes


                            1               1 Not Available
Acquiring more than 10% permission from supervisory authority is required.                     1 0.10 for individuals, 0.20 for corporates


Yes                 No                  No                  Not Available       No                  Yes


Yes                 Yes                 Yes                 Yes                 Yes                 Yes


Yes                 Yes                 Yes                 Yes                 Yes                 Yes


Prohibited          Restricted          Permitted           Permitted           Permitted           Restricted


               0            0.1024              0.4305 Not Available                            All banking institutions are private enterprise
                                                                                0.8774, 4 largest banks


Permitted           Restricted          Permitted           Permitted           Permitted           Restricted


        0.8379                   0.36               0.626               0.817            0.9098              0.569


        0.8129                   0.31               0.621                0.75            0.9047              0.561


        0.9916 Not Available                           1                0.986               0.981            0.923




             0.08                0.08                0.08                0.08 6%; 10% Total Capital              0.08


Yes                 Yes                 Yes                 Yes                 Yes                 Yes


No                                  No              Yes              No              No
                    No, but can require higher minimum ration on an individual or consolidated basis


No                  No                  No                  No                  No                  Yes
No               No                No              No               No                  No


No               No                No              No               No                  No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


        0.1031            0.152            0.145           0.213             0.208               0.137


        0.0894           0.1256            0.136           0.154             0.169               0.107


Yes              Yes               Yes             Yes              Yes                 Yes


No               No                No              No               No                  No


             1                                   100% (only revaluation100% of assets) AMCM) and 45% of the unrealized su
                                                                  to to of fixed Tier 1
                                                                                    of the
                               0 Revaluation of premises (subject Up prior approvalRevaluation gains from securities are not all




             0           0.0511          0.0051            0.016             0.029                    0


         0.917           0.9455          0.8825            0.513             0.289               0.214


             0                 4               1                1                   1                 0


             6              151               24                8                   5                14


No               Yes               No              Yes              Yes                 No


No               Yes               No              No               Yes                 Yes, only for those in HeldforTrading catego


No               Yes               No              No               Yes                 Yes


Yes                               accounts of quoted banks, the use of IAS is mandatory as from 1st of January 2005 on.
                 For consolidatedYes             No              Yes             Yes


No               No                No              No               Not Available       No
               0            0.0458           0.0043                  0            0.0369                  0


            0.905           0.9526           0.8819                0.51           0.2929               0.205


               0            0.0427           0.0024                  0             0.017                  0


            0.905           0.9545           0.8602               0.602           0.2528               0.203




Unrestricted        Unrestricted     Unrestricted     Unrestricted        Restricted       Permitted


Prohibited          Restricted       Restricted       Prohibited          Prohibited       Restricted


Prohibited          Restricted       Prohibited       Unrestricted        Restricted       Restricted


Permitted           Permitted        Permitted        Permitted           Restricted       Restricted




Yes                 Yes              Yes              Yes                 Yes              Yes


Yes                 Yes              Yes              Yes                 Yes              Yes


Yes                 Yes              Yes              Yes                 Yes              Yes


Yes                 Yes              Yes              Yes                 No               Yes


Yes                 Yes              Yes              Yes                 Yes              Yes


Yes                 Yes              Yes              Yes                 Yes              Yes


Yes                 Yes              Yes              Yes                 Yes              Yes


Yes                 Yes              Yes              Yes                 No               Yes
Yes             Yes              Yes              Yes             Yes              Yes


Yes             Yes              No               No              No               Yes


No              No               No               No              No               No




Yes             Yes              Yes              Yes             No               Yes


No              Yes              No               Yes             Not Applicable No




Yes             Yes              No               No              No               Yes


Yes             Yes              Yes              Yes             Yes              Yes


                25% of own funds
25 % of regulatory capital                    25% for single borrower their core (Tier 1)
                               30% of own funds               25% of            25% of capital funds


Yes             No               No               No              No               Yes


No              No               No               No              No               No


No              No               No               No              No               No


Yes             Yes              Yes              Yes             Yes              Yes


                 2% of eligible included
                                   (1) Minimum amount of cash in 20% the bank's 4% deposits2% of liabilities up to 3 months
                                                       10% all deposits                  //liabilities +
6 % banks liabilities which are liabilities in the //required reserves hand = 3% of calltotal of eligible liabilities


Yes             Yes              Yes              Yes             No               No


              At a rate prevailing for refinancing operations //within the system ofreserve are deposited with //discount house
                                Local rate       2% annually       7.5% of liquidityNot Applicable Central No interest is paid on
                                                                                     the European
the ECB main marginal lending interestcurrency overnight rate.of the denarreserve deposits //requirement. Banks.


No              No               No               Yes             Yes              Yes
Not Applicable Not Applicable Not Applicable Not Available                35% core capitalNot Available


No                  No                  No                Yes             Yes               No


                                                             35%
Not Applicable Not Applicable Not Applicable 10% of all depozits of FCDAs Not Applicable


            0.617 Not Available                 0.7861            0.578           0.1264           0.063


            0.516 Not Available                 0.7669            0.502           0.1438           0.086


            0.079               0.212           0.0944            0.109           0.2951           0.028


            0.788               0.309           0.8552            0.697            0.758           0.724


             0.54               0.151                 0            0.41                 0          0.189




Yes                 Yes                 No                Yes             No                Yes


the banks           the banks           Not Applicable the government Not Applicable the banks


Yes                 No                  Not Applicable Yes                Not Applicable Yes


No                  No                  Not Applicable No                 Not Applicable Yes


        0.0125 Not Available                                          Not Applicable 0.01% (Malaysian Deposit Insurance Corpor
                                        Not Applicable 3.3 % of accumulated funds to the total deposits of the physical persons in th


Not Available       Not Available       Not Applicable Not Available      Not Applicable 16,371.07 (using exchange rates as at 1 Aug


Not Available       Not Available       Not Applicable Not Available      Not Applicable MYR60,000


Yes                 Yes                 Not Applicable Yes                Not Applicable Yes


50000 LTL                           Not the bank also provides investment services.
                    € 20.000; € 40.000 if Applicable Up to 20,000 EUR inApplicable MYR 60,000 per depositor per 31/12/2005)
                                                                    Not Denar equivalent (1,223,558.00 Denar on member insti
Yes               No               Not Applicable No                 Not Applicable No


Yes               Yes              Not Applicable Yes                Not Applicable No


No                No               Not Applicable No                 Not Applicable No


Yes               No               Not Applicable No                 Not Applicable No


                               Not Insurance National Bank of Liabilities to Investors an insured //event, in the event of its o
Note. Where according to the Law onApplicable of //Deposits and Not Applicable Macedonia
               CSSF                                             the Republic of BNM


Yes                                Not Applicable No
                  Yes with prior consent of the CSSF                 Not Applicable Yes


           0.39            0.005 Not applcable       Not Available   Not Available       Not Available


              0                0                   0 2 banks and 1 savings house 1                       0


              0                0                   0 Not Available                   0                   0


No                Yes              Not Applicable Yes                Not Applicable Not Available


Not Applicable 3 months            Not applcable     1 to 2 months   Still paying out Not Available Malaysian Deposit Insurance


Not Applicable Not Available       Not applcable     3 months        Undeterminable Not Available


Yes               No               Not applcable     No              Not Available       Not Available


No                No               Not Applicable No                 Not Applicable Yes


No                No               Not Applicable No                 Not Applicable No


No                No               Not Applicable No                 Not Applicable No


No                Yes              Not Applicable Not Available      Not Applicable Yes


No                No               Not Applicable Yes                Not Applicable No
Yes              No                Not Applicable Yes                    Not Applicable No


Yes              Yes               Not Applicable Yes                    Not Applicable Yes




No               Yes               Yes                  Yes              Yes              Yes


No               No                Yes                  Yes              Yes              Yes


No               Yes               No                   No               No               No


Yes              No                No                   No               No               Yes


Not Applicable Not Available       Not Available        30-90                       90            180


Not Applicable Not Available                      90 90-180                        180            270


Not Applicable Not Available                     540              365              363            360


Not Applicable                 0 Not Available                    0.25              0.2            0.2


Not Applicable 0 to 1              0.4 to 0.8                      0.5              0.5            0.5


Not Applicable                 1                   1                 1               1              1


                           0.01          0.0058
0.004 (loans with 60 days overdue periodical payments)           0.075           0.018           0.047


Yes              Yes               Yes                  Yes              No               No


        0.0231           0.049              0.0117              0.0332           0.134          0.0264


        0.0202            0.04                  0.011                                            0.014
                                                                 0.042 0.107; overhead costs to total more 0.552


                 Specific provisions
                                  Specific provisions
                                                   Specific provisions
                                                                    Specific provisions
                                                                                     Specific provisions
Specific provisions can be deductedcan be deductedcan be deductedcan be deductedcan be deductedcan be deducted
           0.15                                             12%.
                         0.2963 Progressive rate from 3% to0.15                0.3             0.28


           0.15                                 from 3% to the first 3 years)0.3
                         0.2963 Progressive rate0.15 (0% for12%.                               0.28




Yes               Yes             Yes              Yes             Yes               Yes


No                No              No               No              No                No


                accounting policy wich is based on IFRS.
According banksNot Available                 90               90               90              180


Yes               Yes             Yes              Yes             No                Yes


Yes               Yes             Yes              Yes             Yes               Yes


Yes               Yes             Yes              Yes             No                Yes


               €
2844 EUR million 1.145.393.000.000 245.96 billion
                              MOP                              K7.99 billion
                                               15,387 mill. denars                   MYR855,263.7 million


Yes               No              No               No              No                Yes


Yes               Yes             Yes              Yes             Yes               Yes


               of the Republic of Lithuania from holding any board positionrevocationyears imprisonmentexecutive body in mil
                                Prohibition on //administrative infringements of low fixof out management or fine of MYR10 an
According Code Administrative fines.                               Dismissal/Imprisonment
                                                                                   10 penalties //are from 2 thousand Litas to
                                                 License revocation, fines, or //carrying the //license for or directorship


No                Yes             No               No              No                No


Not Applicable                4 Not Applicable Not Applicable Not Applicable Not Applicable


No                No              No               No              No                No


              6               4                3               1                0                 5


              0               0                0               0                0               10
Yes             Not Available    No               No              Not Available    Yes


Yes             Not Available    No               No              Not Available    Yes


Yes             Not Available    No               No              Not Available    Yes




Yes             Yes              No               Yes             No               Yes


Yes             No               No               No              Yes              No


Yes             Yes              Yes              Yes             Yes              Yes


Yes             No               Yes              Yes             Yes              Yes


Yes             No               Yes              Yes             Yes              No


Yes             No               Yes              Yes             Yes              Yes


No              No               No               Yes             Yes              Yes


               Law of 5 April 1993 on the financial sectorLaw//modified.
                                 Commercial Code.
                                                Banking as        Lithuania on Companies ActAct 1965, Companies (WindingU
                                                                                  Companies and Bankruptcy Act
Law of the Republic of Lithuania on Banks//Law of the Republic of Banking Act, Financial //Institutions//Low of the Republic of L


No              No               No               No              No               No


Yes             No               No               Yes             No               Yes


Yes             Yes              Yes              No              Yes              Yes


No              No               No               No              No               Yes


No              No               No               No              No               No


No              No               No               No              No               No
e Central Bank and the Banking Control Commission are represented.


           Yes             Yes              Yes              Yes              Yes              Yes


           Yes             No               No               No               Yes              No


           Yes             No               No               No               No               Yes


           No              No               No               No               No               No


           No              No               No               No               No               No


           Note. Where according to the Law on Insurance of Deposits and Liabilities to //Investors an insured event, in the event of its oc


           Yes             No               No               Yes              No               Yes


           Yes             Yes              Yes              Yes              Yes              Yes


           No              No               No               No               Yes              No


           No              No               No               No               No               Yes


           No              No               No               No               No               Yes


           No              No               No               No               No               No


           te. The Low of the Republic of Lithuania on Enterprises Restructurisation is //t Applicable for banks. Therefore answers present


           Yes             Yes              Yes              Yes              Yes              Yes


           No              No               No               No               Yes              No


           No              No               No               No               No               Yes


           No              No               No               No               No               No
No              No              No               No              No              No


Note. As of the day of submission to a bank of a decision on the announcement //of a moratorium on banks’ activities and the a


Yes             Yes             Yes              No              Yes             Yes


No              No              No               No              Yes             No


No              No              No               No              No              No


No              No              No               No              No              No


No              No              No               No              No              No


Note. As of the day of submission to a bank of a decision on the announcement //of a moratorium on banks’ activities and the a


Yes             No              Yes              No              Yes             Yes


No              No              No               No              Yes             No


No              No              No               No              No              No


No              No              No               No              No              Yes


No              No              No               No              No              No




No              No              No               No              No              No


No              No              No               No              No              No


No              No              No               No              No              No


No              No              No               No              No              No
No                  No               No                  No                  No                  No




                0               31                   0                   2                   1                   0


                0 % is not significant                                            (31.12.2001)
                                                     0 1. 1% (31.12.2004; 2. 4.5% 1.39                           0


                0 Not Available                      1 Not Available                         1                   0


                0 Not Available              0.0127 Not Available                     0.022                      0


                0               27                   0 Not Available         Not Available                       0


                0           0.0111                   0 Not Available         Not Available                       0


Not Available                      Not Available Not financial Not professional status: 3.
                    Change of the banking status into theAvailable sector Available Not Available


Not Available       Not Available    Not Available                       1 Not Available         Not Available


No                  No               No                  Yes                 Yes                 No


Yes                 Yes              No                  Yes                 Yes                 Yes


No                  No               No                  No                  No                  No


No                  No               No                  No                  No                  No


No                  No               Yes                 No                  No                  Yes


                                     The Chief Executive of Macao SAR.                           Under the Companies Act 1965, in a membe


No                  No               No                  No                  No                  No


Yes                 Yes              No                  Not Available       Yes                 Yes
Yes              Yes              Yes             Yes                 Yes             Yes


             0                0               0                   1               1            0




Yes              No               No              Yes                 Yes             Yes


No               Yes              Yes             No                  No              No


No               No               No              No                  No              Yes


No               No               Yes             No                  Yes             Yes


                                             Not Applicable Reserve Bank ofBNM
Not Applicable Not Applicable Monetary Authority of Macao                   Malawi


No               Yes              Yes             Yes                 Yes             Yes


Not Applicable CSSF               ditto.          Not Available                       Malawi
                                                                      Reserve Bank ofBNM


No                               No             No             No               Duke
                 The head of the supervisory agency can be removed by the GrandYes upon proposal of the government in c


No               Yes              Yes             No                  Yes             Yes


Yes              No               No              Yes                 No              Yes


No               No               No              No                  No              No


No                               Yes            Yes              Yes              No
                 The head of the supervisory agency and other directors are appointed by the Grand Duke upon proposal of the


No               No               No              No                  No              No


Yes              No               No              Yes                 No              No


No               No               No              No                  No              No
No                  No              No               No              No              Yes


Yes                 Yes             No               Yes             Yes             Yes


                6 Chairman of the Board of the Bank of Lithuania5shall be appointed for a term of five years and dismissed pri
5 years. Note. Theyears        Not Applicable 7 years             years          5 years


No                  No              Yes              No              Yes             No


No                  No              No               No              No              No


Yes                 No              No               Yes             No              No


No                  No              No               No              No              No


No                  No              No               No              No              Yes




Yes                 Yes             Yes              Yes             Yes             Yes


Yes                 Yes             Yes              Yes             Yes             Yes


Yes                 Yes             No               No              No              Yes


Yes                 Yes             No               No              No              Yes


               53              30               16              32              13              231


Once a year.                   2                42               3               3             39146


                 € 6.600.000     MOP 15.59          Not Available K78 million($634,146)
A part of the budget of the Bank of Lithuania. million (or USD 1.95 million)      Not Available


                Taxes          Supervision fees, falling under income from reserve management and //administrative functio
                                                NBRM budget Reserve Bank ofNot Available
                                                                                 Malawi
The Bank of Lithuania paid by persons and entitiespenalties and the CSSF's supervision.


Annually            Annually        Every two years Every two years Every two years Annually
            31                 17              8             11              3               52


                9             10.7           9.75                8          7.9 Not Available


Yes                 Yes              Yes            Yes              Yes         Yes


Yes                 Yes              Yes            Yes              Yes         No


Not exeptions                     The Secretary ofNot Available Finance on the recommendation of the AMCM.
                    Management of the CSSF         Economy and Governor          BNM


No exceptions.                  0              0 Not Available       Many        Not Applicable


Yes                 No               No             No               No          No


Yes                 Yes              Yes            No               No          No
Maldives            Mali            Malta           Mauritius          Mexico           Moldova




               The Finance     the Malta consultation with Authority
                                                 Bank of Mauritius ECRETARY OF TREASURY AND
                                                                  S             National Bank of Moldova
Maldives Monetary Authority Ministry, afterFinancial Servicesthe BCEAO and the Banking Commision PUBLIC CREDIT


No                  No              No              No                 Yes              No


Yes                 No              Yes             Yes                No               No


                                                     Not that of a bank) Applicable Not Applicable
                  3 Not Applicable currently 4 (includingApplicable Notseperate licences are required for banks to undertake sec


                  5 Not Available   19 of which 2 branches        19               29                16

Rf 8,690                            US $ 31.9       Rs 439,795.2                        17943,5
million (Equiv.     Not Available                                      2248374mdp
                                    billion         million                             mil.MDL
USD 679
Rf 6,427                            US $ 16.4       Rs 303,038.1                        13731,8
million (Equiv.     Not Available                                      1671363mdp
                                    billion         million                             mil.MDL
USD 502
Rf 6,020                            US $ 14.2       Rs218,204.8                         10077,6
million (Equiv.     Not Available                                      1153066mdp
                                    billion         million                             mil.MDL
USD 470
Rf 30 million                       around $ 6                                          50 mil.MDL for
(Equiv. USD         1 md FCFA                       Rs 200 million     316mdp           level A
                                    million
2.3 million)                                                                            license/100
Rf 30 million                       around $ 6                                          50 mil.MDL for
(Equiv. USD         1 md FCFA                       Rs 200 million     316mdp           level A
                                    million
2.3 million)                                                                            license/100
Rf 30 million
(Equiv. USD         Not Available   Not Available   Rs 200 million     Not Available    not applicable
2.3 million)

No                  Yes             Yes             Yes                Yes              Yes


Yes                 Yes             Yes             Yes                Yes              Yes


Yes                 Yes             No              No                 Yes              No


No                  No              Yes             No                 No               No


No                  Yes             Yes             Yes                Yes              Yes
Yes              Yes               Yes         Yes     Yes             Yes


Yes              Yes               Yes         Yes     Yes             Yes


Yes              Yes               Yes         Yes     Yes             Yes


No               Yes               Yes         Yes     Yes             Yes


Yes              Yes               Yes         Yes     Yes             Yes


No               Yes               Yes         Yes     Yes             Yes


No               Yes               Yes         Yes     Yes             Yes


             0                 0           0         3 Not Available                0


Not Applicable Not Applicable Not Applicable         0 Not Available   Not Applicable


Not Applicable Not Applicable Not Applicable         3 Not Available   Not Applicable


Not Applicable Not Applicable Not Applicable         0 Not Available   Not Applicable


             5 Not Available               6         4 Not Available                5


             4 Not Available               0         0 Not Available                1


             0 Not Available               0         1 Not Available                2


             0 Not Available               0         0 Not Available                0


             0 Not Available               0         0 Not Available                0


             0 Not Available               6         3 Not Available                0


             0 Not Available               0         0 Not Available                0
                0 Not Available                    0              0 Not Available                    0


                5 Not Available                    0              0 Not Available                    0


                4 Not Available                    0              0 Not Available                    0


                0 Not Available                    0              0 Not Available                    0


                0 Not Available                    0              0 Not Available                    3


                0 Not Available                    0              0 Not Available                    1


                0 Not Available                    0              0 Not Available                    0


No                Not Available       Not Applicable Not Applicable Not Available     No


Yes               Not Available       Not Applicable Not Applicable Not Available     No


Yes               Not Available       Not Applicable Not Applicable Not Available     No


No                Not Available       Not Applicable Not Applicable Not Available     No


No                Not Available       Not Applicable Not Applicable Not Available     No


No                No                  No               No             No              No


No                No                  No               No             No              No


No                Yes                 No               No             Yes             No


No                No                  No               No             No              No


Not Available                     1                1            0.1                 1 not limited, although the total holdings by off
No                 No                 No                  Yes                No                Yes


Not Applicable Not Applicable Not Applicable                           0.1 Not Applicable not limited, although the total holdings by off


Yes                Yes                Yes                 Yes                Yes               Yes


Not Available                                                     0.1              on (although for basis but holdings (of
                                  1 no legislative threshold percentage determined 1 1a casebycase significantmay be 100%5%, 2


No                 No                 No                  Yes                Yes               Yes


Yes                Yes                Yes                 Yes                Yes               Yes


Yes                Yes                Yes                 Yes                Yes               Yes


Permitted          Permitted          Permitted           Restricted         Unrestricted      Permitted


                0 Not Available                    0.25           0.2425                    1 Not Available


Unrestricted       Permitted          Permitted           Restricted         Unrestricted      Permitted


                1 Not Available                   0.535           0.7959                0.84                0.72


                1 Not Available                   0.425           0.7075                0.81               0.697


                Not Available
1( all 5 are commercial banks)                       1            0.8852 Not Available                        1




            0.08               0.08                0.08                0.1              0.08                0.12


Yes                Yes                Yes                 Yes                Yes               Yes


No                 No                 No                  No                 No                Yes


No                 No                 No                  No                 No                No
No                No              No            No              No                No


No                No              No            No              Not Available     No


Not Applicable Not Applicable Not Applicable Not Applicable Not Available         Not Applicable


        0.1673 Not Available            0.206 Not Available             0.1432               0.27


        0.1313 Not Available            0.192         0.1498 Not Available                   0.27


Yes               Yes             Yes           Yes             Yes               Yes


No                No              No            No              No                Yes


Not specified     Not Available             1            0.75                   1 Not Available




         0.487 Not Available                0          0.024 Not Available                 0.193


         0.513 Not Available            0.645         0.6628                0.8            0.196


                1 Not Available             0                 2 Not Available                     1


                4 Not Available            13             15                16                    7


Not Available     Yes             Yes           Yes             Not Available     Yes


Not Available     Yes             Yes           Yes             Not Available     No


Not Available     Yes             Yes           Yes             Not Available     No


Yes               Yes             Yes           Yes             No                Yes


Yes               No              No            Yes             No                No
         0.545 Not Available                  0                0.027 Not Available               0.218


         0.455 Not Available               0.496           0.6421 Not Available                  0.182


         0.517 Not Available                  0            0.0263 Not Available                  0.117


         0.483 Not Available               0.688           0.5172 Not Available                  0.194




Unrestricted   Restricted      Restricted          Permitted         Unrestricted    Unrestricted


Prohibited     Restricted      Restricted          Permitted         Permitted       Prohibited


Prohibited     Permitted       Permitted           Prohibited        Unrestricted    Prohibited


Prohibited     Restricted      Permitted           Permitted         Unrestricted    Permitted




Yes            Yes             Yes                 Yes               Yes             Yes


Yes            Yes             Yes                 Yes               No              Yes


Yes            No              Yes                 Yes               Yes             Yes


Yes            Yes             No                  Yes               Yes             Yes


Yes            Yes             Yes                 Yes               Yes             Yes


Yes            Yes             Yes                 Yes               Yes             Yes


Yes            Yes             Yes                 Yes               Yes             Yes


No             Yes             Yes                 Yes               Yes             Yes
No              Yes             Yes             Yes             Yes             Yes


Yes             Yes             Yes             Yes             Yes             Yes


No              Not Available   No              No              Not Available   No




Yes             Yes             Yes             Yes             Yes             Yes


No              Not Available   No              Yes             Yes             Yes




No              Yes             No              No              Yes             No


Yes             Yes             Yes             Yes             Yes             Yes


               75% of equity loan bank's own 25% ofto a single borrower and total large in Mauritius and 50% of capital o
                                                   funds capital base Available 20%;25%
                                                                   Not
15% of the banks capital, unless 25% is at least 120% collateralised for banks incorporatedexposures cannot exceed 800%ba


No              No              No              No              Yes             No


No              No              No              No              Yes             No


No              No              No              No              No              No


Yes             Yes             Yes             Yes             Yes             Yes


              Minimum determined by is monthly //deposits//2 50% of deposits Banks shall establish required reserves 151
                            4% of the 25% of bank in holdings Available
                                             4% of deposits liabilities regional branch of the BCEAO) as a function of m
                                                              Not (the
1 Minimum Reserve Requirement, which the centralaverage the country Minimum required Capital of Rf 30 //million (i.e, Rf of m


Not Available   No              Yes             No              Yes             Yes


               Not Applicable           points//2 1.5%
1 2.5% on the amount exceeding 15 basis0.0325 Not Applicable Not Available      Interest on overnight deposits established by


No              No              Yes             Yes             Yes             Yes
                                              Not Available
Not Applicable Not Applicable up to 20% of their own funds         Not Available    10% for means attracted in USD and EUR


Yes              No              No               No               No               Yes


              Not Applicable foreign currency must be met USD
Minimum Reserve Requirment ofNot Applicable Not Applicablein Not Applicable 10% for means attracted in USD and EUR


         0.681 Not Available              0.847           0.6059           0.1832               0.361


         0.576 Not Available              0.459           0.5903           0.1706               0.343


          0.74 Not Available              0.088            0.093           0.1426               0.059


          0.74 Not Available              0.523            0.689           0.6729               0.765


             0                 0 Not Available                 0           0.4239               0.054




No               No              Yes              No               Yes              Yes


Not Applicable Not Applicable both                Not Applicable both               the banks


                                              Not
Not Applicable Not Applicable ex ante and ex post Applicable Yes                    Yes


Not Applicable Not Applicable Not material        Not Applicable No                 No


Not Applicable Not Applicable Not Available       Not Applicable Not Available                  0.001


Not Applicable Not Applicable             25275 Not Applicable Not Available        338 USD


Not Applicable Not Applicable             20000 Not Applicable Not Available        4500 MDL


Not Applicable Not Applicable Yes                 Not Applicable Yes                Yes


Not Applicable Not Applicable             20000 Not Applicable Not Available        4500 MDL
Not Applicable Not Applicable Yes                  Not Applicable No                   No


Not Applicable Not Applicable Yes                  Not Applicable Yes                  Yes


Not Applicable Not Applicable No                   Not Applicable No                   No


Not Applicable Not Applicable No                   Not Applicable No                   No


                                             consultation with the CBM or    //law courts
Not Applicable Not Applicable The MFSA after Not Applicable Not Availablethe National Bank of Moldova


Not Applicable Not Applicable No                   Not Applicable No                   No


             0 Not Available   Not Applicable Not Available                     0.48            0.616


             0 Not Available                   0                   1 Not Available                     0


             0 Not Available   Not Available                       0 Not Available                     0


Not Applicable Not Applicable No                   Not Applicable Not Available        No


7 years                                        Not Applicable 7 days            Not Applicable
               Not Applicable according to legislation within 3 months of determination which may be extended up to 6 mths


7 years        Not Applicable Not Available        Not Applicable Not Available        Not Applicable


NA             Not Available   Not Available       Not Available     Not Available     Not Available


Not Applicable Not Applicable No                   Not Applicable Yes                  No


Not Applicable Not Applicable No                   Not Applicable Yes                  No


Not Applicable Not Applicable No                   Not Applicable No                   No


Not Applicable Not Applicable No                   Not Applicable No                   Yes


Not Applicable Not Applicable No                   Not Applicable No                   No
Not Applicable Not Applicable Yes                 Not Applicable Yes                   No


Not Applicable Not Applicable Yes                 Not Applicable Yes                   Yes




Yes              Yes             Yes              Yes              Yes                 Yes


Yes              Yes             Yes              No               Yes                 No


No               No              No               Yes              Yes                 Yes


No               No              No               No               Not Available       Yes


           180 30 for the unpaid balance 6089 Not Applicable Not Available             Not Available


           360 180 on the total > 90              Not Applicable Not Available         Not Available


           720 not specified                      Not
                                 at banks' discretion Applicable Not Available         Not Available


           0.1 optional                           Not
                                 at banks' discetion Applicable             0.599                  0.3


          0.35                                    debt less recoverable amount
                               1 total outstandingNot Applicable Not Available                    0.75


             1                                   Not
                               1 recoverable balance Applicable                    1                   1


         0.066 Not Available              0.029           0.0186           0.0182                 0.03


No               Yes             Yes              Yes              No                  Yes


         0.013 Not Available              0.036           0.0211           0.0625               0.064


         0.006 Not Available              0.009           0.0117           0.0515 Not Available


                 specific provisions are
                                  Provisions cannot be deducted            Specific be deduced
Specific provisions can be deducted deductibleNot Available General reservations canprovisions can be deducted
           0.25 Not Available                0.35             0.25                0.28             0.15


           0.25 Not Available                0.35             0.15                0.28             0.15




Yes              Yes              Yes                Yes               Yes               Yes


No               No               No                 No                No                No


                                           interest has to be offset by Available
             90 not specified, but accrued 90180 Not Available Not equivalent provisions             60


Yes              Yes              Yes                Yes               Yes               No


Yes              Yes              Yes                Yes               Yes               Yes


Yes              Yes              Yes                Yes               Yes               No


                 Not Available  million)       Rs              Not
Rf 1,768 million (Equiv. USD 138US $ 362,118,000 41,151.5 million Available              Credit account 4009,5 mil.MDL; Debit accou


No               No               Yes                Yes               Yes               Yes


No               Yes              Yes                Yes               Yes               Yes


                               any imprisionment, and 110 bethey Francs CFAa finefine, thanprovided and less than Rs 10,0
                                               On conviction, liableAvailable of a less are Lm 100 by the art.38 than //L
                                                                   Not to a //fine not which //should not be not of the the La
Not Applicable 1 month to 1 year of person found guilty shallmillions are liable to ofPenaltiesaccording to article 51more of bankin


Not Applicable No                 No                 No                Not Available     No


Not Applicable Not Applicable Not Applicable Not Applicable Not Available                Not Applicable


No               No               No                 No                Yes               No


Not Available    Not Available                   2                 2               10                 0


Not Available    Not Available                   0 Not Available       Not Available                  0
Not Available   No              No             No             Yes             No


Not Available   No              No             No             Not Available   No


Not Available   No              No             No             Yes             No




Yes             No              Yes            Yes            No              Yes


Yes             No              No             No             No              No


Yes             Yes             Yes            Yes            Yes             Yes


Yes             Yes             Yes            Yes            Yes             Yes


Yes             Not Available   Yes            Yes            Yes             Yes


Yes             Yes             Yes            Yes            No              Yes


No              Yes             No             No             Not Available   Yes


               the banking law and Companies Act
                                Banking Act 1994, Controlled2004 and Companies Act for liquidation)632XV dated 14.11.2001
                                               Banking Act Companies //(Procedure 2001 Law no.//InsolvencyCompanies //
1 Maldives Monetary Authority Act//2 the company law           Not Available Insolvency A new Act 1995, Bill is being p


No              No              No             No             No              No


Yes             No              Yes            Yes            No              Yes


Yes             No              Yes            Yes            Yes             No


No              No              No             No             No              No


No              No              No             No             No              No


No              Yes             No             No             No              No
                              The relevant minister in the Finance Ministry, after consultation with the banking commission


             Yes              No               Yes              Yes              Yes             Yes


             Yes              No               Yes              Yes              No              Yes


             No               No               No               No               No              No


             No               No               No               No               No              No


             No               Yes              No               No               No              No


                               the appointed minister a finance after consultation with liquidity of commission
rs an insured event, in the event of its occurrence to ofbank, may pose //a threat to thethe bankingthe State undertaking “Deposit and Investm


             No               No               No               Yes              Yes             Yes


             No               Not Available    Yes              Yes              No              No


             No               Not Available    Yes              Yes              No              Yes


             No               Not Available    No               No               Yes             No


             No               Not Available    No               No               No              No


             No               Yes              No               No               No              No


                             The relevant minister in 11.9 related //to a decision of the supervisory institution on the moratorium on the //ac
ble for banks. Therefore answers presented in the partthe Finance Ministry, after consultation with the banking commission


             Yes              Yes              Yes              Yes              Yes             Yes


             No               No               No               Yes              No              No


             No               No               No               No               Yes             No


             No               No               No               No               No              No
             No              Yes             No               No              No              No


moratorium on banks’ activities and the appointment of the banks’ //temporary administrator powers of the bank’s supervisory board, the ban


             Yes             Yes             Yes              Yes             Yes             Yes


             No              No              Yes              Yes             No              No


             No              No              No               No              Yes             No


             No              No              No               No              No              No


             No              No              No               No              No              No


moratorium on banks’ activities and the appointment of the banks’ //temporary administrator powers of the bank’s supervisory board, the ban


             Yes             Yes             Yes              Yes             Yes             Yes


             No              No              No               Yes             No              No


             No              No              No               No              No              No


             No              No              No               No              No              No


             No              Yes             No               No              No              No


                             The counsel of ministers of the UMOA region


             Not Available   Not Available   No               Not Available   No              No


             Not Available   Not Available   No               Not Available   No              No


             Not Available   Not Available   No               Not Available   No              No


             Not Available   Not Available   No               Not Available   No              No
             Not Available     Not Available   No               Not Available     No              No


                                                                Not Available


                             0 Not Available                0                   0 Not Available                   5


                             0 Not Available                0                   0 Not Available   0.17%; 0.25%; 0.32%; 0.43%; 0.48%.


                             0 Not Available                0                   0 Not Available   Not Available


                             0 Not Available                0                   0 Not Available   Not Available


                             0 Not Available                0                   1 Not Available   Not Available


                             0 Not Available                0            0.051 Not Available      Not Available


             Not Available     Not Available                0 Not Available       Not Available   Not Available


             Not Available     Not Available   Not Applicable Not Available       Not Available            6-Mar


             Yes               No              Yes              Yes               No              No


             Yes               No              Yes              Yes               No              Yes


             No                No              No               No                Yes             No


             No                No              No               No                No              No


             No                Yes             No               No                Yes             Yes


                            the members' voluntary finance                       Not Available Note to 11.11.2: The court of members. ////W
der the Companies Act 1965, in a appointed minister ofwinding up, the //liquidator may be appointed by the general meeting shall obligatory a


             No                No              No               No                No              No


             No                No              No               No                No              Yes
Yes            No             Yes             Yes            Yes             No


             0 Not Applicable Not Available                1 Not Available   Not Applicable




Yes            No             No              Yes            No              Yes


No             Yes            No              No             Yes             No


No             No             No              No             No              No


Yes            No             Yes             No             No              No


               Not Applicable Malta Financial Services Authority Applicable Not Applicable
Maldives Monetary Authority                   Not Applicable Not


Yes            Yes            Yes             No             Yes             No


               banking commission of the Monetary Applicable CNBV
Maldives Monetary Authority                  Not Union of West
                             Malta Financial Services Authority Africa       Not Applicable


No             No             Yes             No             No              No


Yes            No             No              No             Yes             No


No             No             No              No             No              Yes


No             Yes            No              Yes            No              No


Yes            No             Yes             Yes            No              No


No             No             No              No             Yes             No


No             No             No              No             No              Yes


No             No             No              No             No              No
No             Yes              No                No             No              No


No             Yes              Yes               Yes            No              Yes


                               the BCEAO presides over the Banking Commission, which is composed of 18 (other) membe
Not Applicable The governor of 5 years       5 years         Not Applicable 7 years


Yes            No               Yes               Yes            No              No


No             No               No                Yes            Yes             No


No             No               No                No             No              No


No             No               No                No             No              Yes


No             No               No                No             No              No




Yes            Not Available    Yes               Yes            Yes             Yes


Yes            Not Available    Yes               Yes            Yes             Yes


No             Not Available    Yes               Yes            Yes             No


No             Not Available    Yes               Yes            Yes             No


             6 Not Available                 19              35 Not Available                  44


1 or 2         Not Available                                    3 Not Available Yearly every bank is exposed to smaller inst
                                on average 5 to 10 (riskspecific reviews) for the larger banks and around 2 for the onsite exam


               Not Available US
No separate budget for supervision $ 1.5 millionRs 34,270,000 Not Available      Not Applicable


na             Not Available                    Interest Income//Licence fee
                                                                 Not Available Not Available
                                mainly licence and supervision fees collected by the Banking Unit of the MFSA


Less frequently every 2 years   Annually          Annually       Annually        Annually
             1 Not Available                8             14 Not Available                14


             7 Not Available                6             6.8 Not Available                   7


Yes            Yes             Yes              Yes           Yes             Yes


No             Yes             Yes              Yes           Yes             Yes


                              Supervisory Council of the MFSANot Available
Not Applicable the banking commission        Not Available                    no exceptions


             0 Not Available                0 Not Available   Not Available   no exceptions


No             No              No               No            No              No


No             No              No               Yes           Yes             No
Montserrat      Morocco              Mozambique      Netherlands    New Zealand       Nicaragua




                 Finance of Bank the de Moçambique The central Bank
                                 of               De Nederlandsche Bank
                                                                     the Eastern CaribbeanZealand
                                                                                      New //Currency de Bancos y Otras Instituc
The Ministers of The Centraleach Banco eight //territories that form Reserve Bank ofSuperintendencia Union are ultimately respo


No              No                   No              No             No                Yes


Yes             No                   No              No             No                No


               Not are separate regulations and licencing requirements for commercial banking,
Not Available There Applicable Not Applicable Not Applicable Not Applicable Not Applicable securities and insurance act


Not Available                   16              12            143                16               9

                456 milliards        US$            EUR             NZD 253996        C$45,825
Not Available
                de dirhams           2,256,476,394 2,767,526        million           millones
                                                    million
                371 milliards        US$            EUR             NZD 226434        C$ 35,238
Not Available                        1,566,835,546. 1,153,049       million
                de dirhams                                                            millones
                                     00             million         ('Deposits and
                278 milliards        US$            EUR             NZD 203989        C$ 24,027
Not Available
                de dirhams           829,723,111.00 1,413,701       million           millones
                                                    million
EC$5.0m /       200 millions         US$            EUR 5 million
                                                                    NZD 15 million C$200 millones
US$1.852m       de dirhams           2,782,194.00 for a general
                                                    bank, EUR 2.5
EC$5.0m /       200 millions         US$            EUR 5 million
                                                                    NZD 15 million C$200 millones
US$1.852m       de dirhams           2,782,194.00 for a general
                                                    bank, EUR 2.5
Assigned        200 millions         US$            For branches    Global bank's
capital of                                                                            C$200 millones
                de dirhams           2,782,194.00 of non-EER        capital of at
EC$5.0m /                                           banks EUR 5     least NZD 15

Yes             Yes                  Yes             Yes            No                Yes


Yes             Yes                  Yes             Yes            No                Yes


No              Yes                  Yes             Yes            Yes               No


No              Yes                  Yes             No             Yes               No


Yes             Yes                  Yes             Yes            No                Yes
Yes             Yes       Yes            Yes        Yes       Yes


Yes             Yes       Yes            Yes        Yes       Yes


Yes             Yes       Yes            Yes        Yes       Yes


Yes             Yes       Yes            Yes        Yes       Yes


Yes             Yes       Yes            No         Yes       Yes


Yes             Yes       Yes            Yes        Yes       Yes


Yes             Yes       Yes            Yes        Yes       Yes


Not Available         1              0         15         1              0


Not Available         0 Not Applicable         0          0 Not Applicable


Not Available         1 Not Applicable         15         1 Not Applicable


Not Available         0 Not Applicable         0          0 Not Applicable


Not Available         2              3         8          2              2


Not Available         1              0         0          0              0


Not Available         2              0         3          0              0


Not Available         1              0         0          0              0


Not Available         0              0         0          0              0


Not Available         0              1         5          1              0


Not Available         0              0         0          0              0
Not Available                     0                 0                1                0                0


Not Available                     0                 0                0                1                2


Not Available                     0                 0                0                0                0


Not Available                     0                 0                0                0                0


Not Available                     0                 2                0                0                0


Not Available                     0                 0                0                0                0


Not Available                     0                 0                0                0                0


Not Available       No                Not Applicable Not Applicable Not Applicable Not Applicable


Not Available       No                Not Applicable Not Applicable Not Applicable Not Applicable


Not Available       No                Not Applicable Not Applicable Not Applicable Not Applicable


Not Available       No                Not Applicable Not Applicable Not Applicable Not Applicable


Not Available                          Not Applicable shareholders Not Applicable to Applicable
                    literally: The project of the pact ofNot Applicable granted capacitiesNotthe applicant entity, which were dispropor


No                  No                No                No               No               No


No                  No                No                No               No               No


No                  No                No                No               No               No


No                  No                No                No               No               No


                1                 1                 1                1                1                1
Yes                 No                 Yes                 No                 No                 No


                 required for any additional amount. Applicable Not Applicable Not Applicable
                                                 Not
0.20 Approval is Not Applicable Minimum founding shareholders must be 3


Yes                 Yes                Yes                 Yes                Yes                Yes


0.20 of voting rights              1                   1                 1                   1                  1


Yes                 No                 Not Available       No                 NA                 No


Yes                 Yes                Yes                 Yes                Yes                Yes


Yes                 Yes                Yes                 Yes                Yes                Yes


Restricted          Unrestricted       Prohibited          Permitted          Unrestricted       Prohibited


Not Available                0.088              0.745                  0.64            0.982                  0.89


Permitted           Unrestricted       Prohibited          Permitted          Unrestricted       Prohibited


Not Available                  0.82            0.9392                  0.92            0.937              0.974


Not Available                0.796              0.912                   0.9            0.918              0.927


Not Available                  0.87            0.9453 Not Available                    0.907                    1




             0.08              0.08                 0.08               0.08              0.08                  0.1


Yes                 Yes                Yes                 Yes                Yes                Yes


No                  No                 No                  No                 No                 No


No                  No                 No                  Yes                No                 No
No              No                 No               No               No               Yes


Yes             No                 No               No               No               No


                 discontinued. Not Applicable Not Applicable have this requirement.
5%, but is being Not ApplicableOnly two ECCU territories currently Not Applicable Not Applicable


Not Available              0.115             0.16            0.123           0.109           0.1192


Not Available              0.108          0.1357               0.1           0.087            0.068


Yes             Yes                Yes              Yes              Yes              Yes


No              No                 No               No               No               No


                              0.35               Revaluation                     1                 0
Limited to 20% of tier I capital. Up to 100% of Tier 1 capital reserves are included in upper tier 2 capital. The amount of tier 2




Not Available               0.29 Not Available               0.045             0.01                 0


Not Available              0.215          0.9454             0.089             0.98           0.223


Not Available                  5 Not Available                   2                1                 0


Not Available                  5               12               54               14 Not Available


Yes             No                 No               No               No               Yes


Yes             Yes                No               Yes              Yes              Yes


Yes             Yes                No               No               No               Yes


Yes             Yes                No               Yes              Yes              No


No              No                 Yes              No               No               No
Not Available               0.118 Not Available                     0.005               0.011                  0


Not Available               0.219           0.9854                  0.073               0.977            0.204


Not Available                0.23 Not Available                     0.051               0.011                  0


Not Available               0.246                0.96               0.103               0.981            0.278




Unrestricted    Permitted           Unrestricted        Permitted           Unrestricted        Unrestricted


Prohibited      Restricted          Restricted          Permitted           Permitted           Prohibited


Prohibited      Prohibited          Prohibited          Unrestricted        Unrestricted        Prohibited


Permitted       Restricted          Permitted           Unrestricted        Unrestricted        Prohibited




Yes             Yes                 Yes                 Yes                 Yes                 Yes


Yes             Yes                 Yes                 Yes                 Yes                 Yes


Yes             Yes                 No                  Not Available       Yes                 Yes


Yes             Yes                 Yes                 Yes                 Yes                 Yes


Yes             Yes                 Yes                 Yes                 Yes                 Yes


Yes             Yes                 Yes                 Yes                 Yes                 Yes


Yes             Yes                 Yes                 Yes                 Yes                 Yes


Yes             Yes                 Yes                 Yes                 No                  Yes
Yes              Yes               Yes              Yes               Yes              Yes


No               No                Yes              Not Available     No               No


Not Applicable No                  No               No                No               No




Yes              Yes               No               Yes               Yes              Yes


Not Available    No                Not Applicable Yes                 No               No




No               No                Yes              No                No               No


Yes              Yes               Yes              Yes               No               Yes


                                 the bank                 0.25 related parties
           0.25 20% of equity of 25% single and 10% and 30% to Not Applicable                        0.4


No               No                No               No                No               No


No               No                No               No                No               No


No               No                No               No                No               Yes


Yes              Yes               Yes              Yes               No               Yes


                16.5 % des ThisReserve requirement ratioon //(réserves balance 16.25% +//This requirement is calculated on
                                      excludes à très court licenced deposit No bloquées) Please = 19.25% website
                                                      Depends 11.51% on total //deposits (avg 3% //see ECB
                                                                       Not Applicable sheet,
6% of total deposit liabilities. dépôts à vue et//deposits by termeinstitution's taking institutions.15 days) and 10% total deposits ba


No               Yes               No               Yes               Not Available    Yes


Not Applicable 0.75 % par an                                    Not Available 3%. Equal to the rate on international reserv
                                   Not Applicable Average marginal rate of allotment


No               Yes               Yes              No                Not Available    No
Not Applicable                 0 Not Available       Not Applicable Not Applicable. Not Applicable


No                  No             No                No               No               Yes


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable                   0.1925


Not Available              0.065             0.13             0.185            0.032          0.614


Not Available              0.028           0.4526             0.287            0.212          0.706


Not Available              0.162             0.52             0.103             0.02          0.211


Not Available              0.813           0.5296             0.417            0.781          0.769


                0           0.78                 0            0.417                0             0.28




No                  Yes            No                Yes              No               Yes


Not Applicable the banks           Not Applicable the banks           Not Applicable The banks


Not Applicable Yes                 Not Applicable No                  Not Applicable Yes


Not Applicable No                  Not Applicable No                  Not Applicable Yes


Not Applicable             0.011 Not Applicable Not Applicable Not Applicable                 0.072


Not Applicable Not Available       Not Applicable Not Available       Not Applicable         10000


Not Applicable 80.000 Dirhams Not Applicable                 40000 Not Applicable            180000


Not Applicable Yes                 Not Applicable No                  Not Applicable Yes


                                                             Not per bank)
Not Applicable 80.000 Dirhams Not Applicable € 20.000 (per personApplicable equivalent a US$10,000
Not Applicable Yes                 Not Applicable No                   Not Applicable Yes


Not Applicable Yes                 Not Applicable Yes                  Not Applicable Yes


Not Applicable No                  Not Applicable No                   Not Applicable No


Not Applicable No                  Not Applicable No                   Not Applicable No


                              N                             Not Applicable Superintendency of banks and other financia
Not Applicable The Central Bank ot Applicable De Nederlandsche Bank


Not Applicable No                  Not Applicable No                   Not Applicable No


                0 0.08 to 0.10     Not Available   Not Available                       1 Banks do not have this instruments


                0                3 Not Available                   1                   0              0


                0                2 Not Available                   0                   0              0


Not Applicable No                  Not Applicable No                   Not Applicable No


Not Applicable Not Applicable Not Applicable 2 months                  Not Applicable. there is no experience


Not Applicable Not Applicable Not Applicable 3 months                  Not Applicable. there is no experience


Not Available       No             Not Available   No                  Not Available       No


Not Applicable No                  Not Applicable Yes                  Not Applicable No


Not Applicable No                  Not Applicable No                   Not Applicable No


Not Applicable No                  Not Applicable No                   Not Applicable No


Not Applicable No                  Not Applicable No                   Not Applicable Not Available


Not Applicable No                  Not Applicable No                   Not Applicable Not Available
Not Applicable Yes                Not Applicable Yes            Not Applicable Yes


Not Applicable Yes                Not Applicable Yes            Not Applicable Yes




Yes                 Yes           Yes             No            No              Yes


Yes                 Yes           Yes             No            No              Yes


Yes                 Yes           No              No            No              No


Yes                 Yes           No              No            Yes             No


            90              90 Not Applicable Not Applicable Not Applicable.            60


           180             180 Not Applicable Not Applicable Not Applicable.            90


           365             360 Not Applicable Not Applicable Not Applicable.           180


            0.1             0.2 Not Applicable Not Applicable Not Applicable.           0.2


            0.5             0.5 Not Applicable Not Applicable Not Applicable.           0.5


                1             1 Not Applicable Not Applicable Not Applicable.            1


Not Available             0.157          0.0382         0.006          0.0023         0.011


No                  Yes           No              No            No              Yes


Not Available             0.035 NotAvailable           0.0108          0.0233         0.072


Not Available             0.023 NotAvailable           0.0133          0.0155         0.049


               Specific provisions are deductibleSpecific provisions
                                                                  Provisions cannot be can't be
                                                                                 They
Provisions cannot be deducted General provisions can be deductedcan be deducted deducteddeducted
Not Available              0.396            0.35            0.296                0.33 variable


Not Available              0.396            0.35                   0             0.33 variable




Yes               No               Yes             Yes                 Yes              Yes


No                No               Yes             No                  No               No


             90               90              90 No explicit rule Not Applicable.                 91


No                Yes              Yes             Yes                 Yes              Yes


Yes               Yes              Yes             Yes                 Yes              Yes


No                Yes              No              Yes                 Yes              Yes


EC$1,521.4m                        US$ 190,779,017.00 537,315 million 25747 million.
                  101 milliards de dirhams       EUR            NZD              C$5,083 millones


No                Yes              No              Yes                 Yes              Yes


Yes               Yes              Yes             Yes                 Yes              Yes


                imprisonment or to imprisonmentand/or a fine of 100,000 to 1,000,000 or to penalties //investors from post, the
                                Not to 6 months //for a term    exceeding up years dirhams. //such removal relying on de
                                                                                   Monetary both
Fine not exceeding $15,000.00from 1Applicable Not Availablenot Civil liabilitytwo to the amount lost byor fine and imprisonment


No                No               No              Not Available       No               No


Not Applicable Not Applicable Not Applicable Not Available             Not Applicable Not Applicable


No                No               No              No                  Yes              Yes


Not Available                  5 Not Available                 10                  10              5


Not Available                  0 Not Available                 10                   0              0
No              Yes             No               Yes             Yes              Yes


No              No              No               Yes             Yes              Yes


No              Yes             No               Not Available   Yes              No




Yes             Yes             Yes              No              No               Yes


No              No              No               No              No               Yes


Yes             Yes             Yes              Not Available   Yes              Yes


Yes             Yes             Yes              Not Available   Yes              Yes


Yes             Yes             No               Not Available   Yes              Yes


Yes             Yes             No               Not Available   Yes              Yes


Yes             No              No               No              No               Yes


                in existence within each //particular territory byCompanies credit system 1992//Bankruptcy Zealand //Act 19
                                Bankig Act 15/99 as of the supervision 9/2004Act 1993; Reserve banks and other
                                                  Act amended     Law of the      General
The Banking ActLaw 3403 relative to credit organizations (banks) and similar organizations.law of Bank of NewAct institutions /


No              No              No               No              Yes              Yes


No              Yes             Yes              No              No               Yes


Yes             Yes             Yes              Yes             No               No


No              No              No               No              No               No


No              No              No               No              No               No


No              No              No               No              Yes              No
he banking commission                                Bank supervisor, with the consent of the Minister of Finance.


            No          Yes   Yes   Yes              No               Yes


            Yes         No    Yes   No               No               No


            No          No    No    No               No               No


            No          No    No    No               No               No


            No          No    No    Yes              Yes              No


                                                    Bank supervisor, the the consent of the Minister of //instituti
                                    the bank receiver. In cases where with solvency or liquidity of a credit Finance.


            No          Yes   Yes   No               No               Yes


            Yes         Yes   Yes   No               No               Yes


            Yes         Yes   Yes   No               No               No


            No          No    No    No               No               No


            No          No    No    No               No               No


            No          No    No    Yes              Yes              No


he banking commission                               Bank supervisor, with the consent of the Minister of Finance.
                                    the bank receiver, after being appointed by the bank supervisor and approved


            Yes         Yes   Yes   Yes              No               Yes


            Yes         Yes   No    No               No               No


            No          No    No    No               No               No


            No          No    No    No               No               No
             No               No               No              Yes              Yes              No


                                                                of bank
s of the bank’s supervisory board, the bank’s //board and headsthe the adreceiver, after being appointed by the bank supervisor and approved
                                                                                Bank supervisor, with the consent of the Minister of Finance.


             Yes              Yes              Yes             Yes              No               Yes


             Yes              No               No              No               No               No


             No               No               No              No               No               No


             No               No               No              No               No               No


             No               No               No              Yes              Yes              No


                              the the bank’s //board only revoke. bank
                                                                 of
s of the bank’s supervisory board, courts/tribunal can and headsthe the adreceiver, after being appointed by the bank supervisor and approved
                                                                                 Bank supervisor, with the consent of the Minister of Finance.


             Yes              Yes              Yes             Not Available    Yes              Yes


             Yes              No               No              Not Available    No               No


             No               No               No              Not Available    No               No


             No               No               No              Not Available    No               No


             No               No               No              Yes              No               No


                                                               the bank receiver, after being appointed by the bank supervisor and approved


             No               No               No              Not Available    No               No


             No               No               No              Not Available    No               No


             No               No               No              Not Available    No               No


             No               No               No              Not Available    No               No
No                No              No              No                  No                No




              0               1               0                   1                 0                 0


              0          0.008                0           0.0001                    0 Not Available


              0               0               1                   0                 0                 0


              0               0          0.1066                   0                 0 Not Available


              0               2               0                   5                 0                 1


              0          0.017                0            0.002                    0         0.0336


                                Not other shareholders.
              0 Opening of capital toAvailable Not Available                        0 Not Available


Not Applicable 1224 months        5 Months        Not Available       Not Applicable. Not Available


No                Yes             Yes             No                  No                No


Yes               Yes             No              Yes                 No                No


No                No              No              No                  No                Yes


No                No              No              No                  No                No


Yes               No              No              No                  Yes               No


                 Le                                                Bank du gouverneur.
Minister of Finance liquidateur est nommé par le tribunal sur proposition supervisor recommends statutory management to the M


No                No              No              No                  No                No


Yes               No              Yes             Yes                 No                Yes
Yes              Yes            Yes          Yes             Yes              Yes


             0              0              0 Not Available                0              3




Yes              Yes            Yes          Yes             Yes              No


No               No             No           No              No               Yes


No               No             No           Yes             No               No


No               No             No           No              No               Yes


                                                           Not Applicable Supervision of Banks and Other Financial In
Not Applicable Not Applicable Not Applicable De Nederlandsche Bank N.V.


No               Yes            Yes          No              Yes              Yes


                              B                           N.B. while the Supervision of Banks and Other Financial In
                                            De Nederlandsche Bank N.V. banking supervisor supervises banking groups
Not Applicable The Central Bank anco de Moçambique


No               Yes            No           No              No               Yes


Yes              No             Yes          Yes             Yes              No


No               No             No           No              Yes              No


No               No             No           No              No               No


No               Yes            Yes          Yes             No               No


Yes              No             No           No              Yes              No


No               No             No           No              No               Yes


No               No             No           No              No               No
No              No                No               No                No               No


Yes             No                Yes              Yes               Yes              Yes


5 Years                                       7
                Not Applicable 5 years renewableyears                5 years.                    5


No              Yes               Yes              Yes               No               No


Yes             No                No               No                Yes              No


No              No                No               No                No               No


No              No                No               No                No               Yes


Yes             No                No               No                No               No




No              Yes               Yes              Yes               Yes              Yes


Not Applicable Yes                Yes              Yes               Yes              Yes


Not Applicable Yes                No               Yes               No               No


Not Applicable Yes                No               Yes               Yes              No


Not Available                65              44                 92                7             103


Not Available                 2                  5 depends on size institution    0              1


Not Available                    Not Available
                49 millions de dirhams                                            US$3.9 millones
                                                   EUR 39 million NZD 9 million including overheads


Not Available                  Not Available 79% by           Reserve Bank Finance
                                                                                New Zealand, under institutions and 25% fr
                The annual budget of The Central Bank banks, 21% Ministry of of75% from supervised its funding agreement


Less frequently less often        Annually         Annually          Less frequently Annually
Not Available               40                    7               18                   4 5.3 % of the total


Not Available   Not Available                5.43                     6               10              5.8


Yes             Yes               Yes                 Yes                 Yes              Yes


Yes             Yes               Yes                 Yes                 No               Yes


                the banking commission of Central africa
                               Not of the central Bank     Not Applicable
The minister on the recommendation Available De Nederlandsche Bank                         there are not exceptions.


Not Available                   2 Not Available       Not Available       Not Applicable                0


No              No                No                  No                  No               No


No              Yes               Yes                 No                  No               No
Niger           Nigeria              Norway            Oman               Pakistan         Panama




               Not Available The Ministry of Finance, Bank ofBanking Commision
                                                   Central based OmanBank of Pakistan
                                                                 State         SUPERINTENDENCIA DE BANCOS DE PA
The Finance Ministry, after consultation with the BCEAO and theon a //recommendation from the supervisory authority, //Kredit


No              No                   No                No                 No               No


No              Yes                  Yes               Yes                Yes              Yes


Not Applicable Each Activity requres a license2                                            license no maximum. banking business, a
                                                                      2 In addition to theThere is for commercial The number of licen


Not Available                   89                15                 13               35             70

                                     NOK 1334                             Rs3,546.2        US$38,652.00
Not Available   N4389 billion        billion (or       US$ 14.623 b
                                                                          billion          MILLONES
                                     about 214
                                     NOK 646                              Rs2,817.9        US$27,079.00
Not Available   N2546 billion        billion (or US$   US$ 9.770 b
                                                                          billion          MILLONES
                                     103 billion)
                                     NOK 1012                             Rs2,035.6        US$22,858.00
Not Available   N1694 billion        billion (or US$   US$ 10.120 b
                                                                          billion          MILLONES
                                     162 billion)
                                     NOK 40            Rial Omani 50 Rs2 billion by        US$10,000,000
1 md FCFA       N2 billion           million (US$                    the end of            .00 LICENCIA
                                                       million
                                     6.4 mill)                       December 31,          GENERAL,
                                     NOK 40                          Rs2 billion and       US$10,000,000
1 md FCFA       N2 billion           million (US$      Not Available if the Head           .00 LICENCIA
                                     6.4 mill)                       Office                GENERAL,
                                     no capital        Rial Omani 10 Rs2 billion and       US$10,000,000
Not Available   Not Available                                        if the Head           .00 LICENCIA
                                     requirement       million
                                                                     Office                GENERAL,

Yes             Yes                  Yes               Yes                Yes              Yes


Yes             Yes                  Yes               Yes                Yes              Yes


Yes             No                   No                No                 No               No


No              No                   No                Yes                No               No


Yes             Yes                  Yes               Yes                Yes              Yes
Yes             Yes             Yes       Yes       Yes            Yes


Yes             Yes             Yes       Yes       Yes            Yes


Yes             Yes             Yes       Yes       Yes            Yes


Yes             Yes             Yes       Yes       Yes            Yes


Yes             Yes             Yes       Yes       Yes            Yes


Yes             Yes             Yes       Yes       Yes            Yes


Yes             Yes             Yes       Yes       No             Yes


Not Available   Not Available         8         1              0         2


Not Available   Not Available         0         1 Not Applicable         0


Not Available   Not Available         8         0 Not Applicable         2


Not Available   Not Available         0         0 Not Applicable         0


Not Available   Not Available         7         4              3         17


Not Available   Not Available         0         3              0         0


Not Available   Not Available         4         0              3         8


Not Available   Not Available         0         0              0         0


Not Available   Not Available         0         0              0         0


Not Available   Not Available         0         0              0         0


Not Available   Not Available         0         0              0         0
Not Available       Not Available                    0                 0                 0               0


Not Available       Not Available                    3                 4                 0               2


Not Available       Not Available                    0                 3                 0               0


Not Available       Not Available                    0                 0                 0               0


Not Available       Not Available                    0                 0                 0 7 parent companies


Not Available       Not Available                    0                 0                 0               0


Not Available       Not Available                    0                 0                 0               0


Not Available       Not Available       Not Applicable Not Available       Not Applicable Not Applicable


Not Available       Not Available       Not Applicable Not Available       Not Applicable Not Applicable


Not Available       Not Available       Not Applicable Not Available       Not Applicable Not Applicable


Not Available       Not Available       Not Applicable Not Available       Not Applicable Not Applicable


Not Available       Not Available       Not Applicable Not Available       Not Applicable If one of the facts mentioned above had occ


No                  No                  No               No                No                No


No                  No                  No               No                No                No


Yes                 Yes                 No               No                No                No


No                  No                  No               No                No                No


                1                   1                1 Not Available                                      1
                                                                           Acquistion is allowed on the basis of shareholding proposed
No                 No                  Yes                 Yes                 No                  No


                                                           0.1
Not Applicable Not Applicable 0.10 without special authorizationNot Applicable Not Applicable


Yes                Yes                 Yes                 Yes                 Yes                 Yes


                1 Not Available                                    0.35
                                       0.10 without special authorization                      1                 1


No                 Not Available       Yes                 No                  No                  No


Yes                Yes                 Yes                 Yes                 Yes                 Yes


Yes                Yes                 Yes                 Yes                 Yes                 Yes


Permitted          Permitted           Restricted          Restricted          Restricted          Permitted


Not Available      Not Available       Not Available       Not Available       Not Available                   0.68


Permitted          Permitted           Restricted          Restricted          Restricted          Permitted


Not Available              0.4615                   0.95                0.86                0.57               0.66


Not Available              0.4141                   0.96            0.869                   0.54               0.41


Not Available                      1                0.68                0.99                0.97               0.97




            0.08               0.1                  0.08                                                 0.08
                                                                        0.12 8% (Presently, the variable capital adequacy ratio has been i


Yes                No                  Yes                 Yes                 Yes                 Yes


No                 No                  Yes                 No                  Yes                 No


No                 No                  Yes                 No                  Yes                 No
No               No               Yes             No                  Yes              No


No               Yes              No              Not Available       No               No


Not Applicable              0.5 Not Applicable Not Available          Not Applicable Not Applicable


Not Available           0.1783            0.118            0.181               0.119          0.182


Not Available           0.2295            0.096            0.164               0.091          0.174


Yes              No               Yes             Yes                 Yes              Yes


No               No               No              No                  No               No


                             0                             in capital of to revaluation gains of in
                                                                                                  fixed assets.
might be complementary capital probably tier 21are counted 0.45 50% up thethe amount of tier 1 0 other words, sub debt in ex




Not Available           0.0402                0                   0            0.198          0.123


Not Available           0.0337             0.23                   0            0.479          0.518


Not Available                 4               0                   0                4              2


Not Available                 3               6                   0               18             54


Yes              Yes              Yes             Yes                 Yes              No


Yes              Yes              Yes             Yes                 Yes              No


Yes              Yes              Yes             Yes                 Yes              No


Yes              Yes              Yes             Yes                 Yes              Yes


No               Yes              No              No                  No               Yes
Not Available           0.0326                   0 Not Available            0.204               0.135


Not Available           0.0342                0.21 Not Available            0.494               0.516


Not Available           0.0791                   0 Not Available            0.178               0.113


Not Available           0.0159                0.22 Not Available            0.483               0.539




Restricted      Restricted       Permitted         Unrestricted    Restricted       Unrestricted


Restricted      Restricted       Restricted        Restricted      Restricted       Prohibited


Permitted       Restricted       Restricted        Prohibited      Prohibited       Prohibited


Restricted      Permitted        Restricted        Restricted      Restricted       Permitted




Yes             Yes              Yes               Yes             Yes              Yes


Yes             Yes              Yes               Yes             Yes              Yes


No              Yes              Yes               Yes             Yes              Yes


Yes             Yes              No                Yes             Yes              Yes


Yes             Yes              Yes               Yes             Yes              Yes


Yes             Yes              Yes               Yes             Yes              Yes


Yes             Yes              Yes               Yes             Yes              No


Yes             Yes              Yes               Yes             Yes              No
Yes             No             Yes             Yes             Yes             No


Yes             Yes            Yes             Yes             Yes             Yes


Not Available   No             No              No              Yes             No




Yes             Yes            Yes             Yes             Yes             Yes


Not Applicable Yes             No              No              Yes             Yes




Yes             No             Yes             No              No              Yes


Yes             Yes            Yes             Yes             Yes             Yes


75% of equity             0.35 25% of the bank's own funds
                                              15% and 10%      30% of bank’s equity for individual borrowers
                                                                                           0.25


No              No             No              No              No              No


No              No             No              No              No              No


No              Yes            No              No              No              No


Yes             Yes            No              Yes             Yes             No


              9.5% of Adjusted Deposit Liabilities
                              Not Applicable Reserve against Cash Reserve Not Applicablefunction of monetary //mainta
                                                                 deposits of the BCEAO) as a
Minimum determined by the central bank in the country (the regional branchat 3%Requirement (CRR) is required to be policy


No              No             Not Available   No              Yes             No


Not Applicable Not Applicable Not Available                                    on Applicable
                                               Not Applicable No return is paidNot CRR maintained against Rupee //liabilitie


No              Yes            Yes             No              Yes             Yes
                             Not Available
Not Applicable <=15% of shareholder funds                                          Not available
                                                      Not Applicable Cash Reserve Requirement (CRR) at 5% & Special Cash Re


No                  No             No                 No               Yes              No


                                                                          Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable Cash Reserve Requirement (CRR) & Special Cash Reserve


Not Available             0.0834               0.19            0.335             0.16 no information


Not Available             0.0427               0.38            0.238             0.16 no information


Not Available             0.2156               0.01            0.101             0.16          0.018


Not Available                  1               0.48            0.717            0.795          0.697


                0              1               0.22            0.717                0                  0




No                  Yes            Yes                Yes              No               No


Not Applicable the banks           the banks          both             Not Applicable Not Applicable


Not Applicable Yes                                 Yes
                                   ex ante and ex post                 Not Applicable Not Applicable


Not Applicable No                  Yes                No               Not Applicable Not Applicable


                               1.5% of covered Not Available Notbank's assets
Not Applicable 0.0169 (as of March 2007)       deposits + 0.5% of Applicable Not Applicable


Not Applicable              1550          320000 USD 51948             Not Applicable Not Applicable


Not Applicable            200000 NOK 2 million                       Not
                                                      Rial Omani 20000 Applicable Not Applicable


Not Applicable Yes                 Yes                Not Available    Not Applicable Not Applicable


Not Applicable N50000                              Not Available Not
                                   NOK 2 million per person per bank Applicable Not Applicable
Not Applicable No                   No                  Not Available       Not Applicable Not Applicable


Not Applicable Yes                  Yes                 Yes                 Not Applicable Not Applicable


Not Applicable No                   No                  No                  Not Applicable Not Applicable


Not Applicable No                   Yes                 Yes                 Not Applicable Not Applicable


Not Applicable Central Bank         Not Applicable Not Applicable Not Applicable Not Applicable


Not Applicable Yes                  No                  Yes                 Not Applicable Not Applicable


Not Available   Not Available                  0.39              0.086               0.005 Not Available


Not Available                 16                    0                   1 One closed and two merged          3


Not Available                   0                   0                   0                5                   0


Not Applicable Yes                  Yes                 Not Available       Not Applicable Not Applicable


Not Applicable 2 years              max 3 months Not Available              Not Applicable Not available


Not Applicable 18 months            Not Available       Not Available       Not Applicable Not available


Not Available   No                  Yes                 Not Available       No               Not available


Not Applicable Yes                  No                  Not Available       Not Applicable Not Applicable


Not Applicable Yes                  No                  Not Available       Not Applicable Not Applicable


Not Applicable No                   No                  No                  Not Applicable Not Applicable


Not Applicable No                   No                  No                  Not Applicable Not Applicable


Not Applicable No                   Yes                 Yes                 Not Applicable Not Applicable
Not Applicable Yes                   No               No               Not Applicable Not Applicable


Not Applicable Yes                   Yes              Yes              Not Applicable Not Applicable




Yes                 Yes              No               Yes              Yes              Yes


Yes                 Yes              No               Yes              Yes              Yes


No                  No               No               No               No               No


No                  No               Yes              No               No               No


                >90<180
30 for the unpaid balancedays        Not Applicable               90               90           3090


180 on the total >=180<360 daysNot Applicable                    270              180          90360


not specified       >=360 days       Not Applicable              360              360             360


optional                                                        0.25               0.1 0.02 the value
                                 0.1 The loan loss provision equals the difference between to 0.499 of the loan on the balance sh


                1                                                0.5               0.5 0.5 to 0.999
                                 0.5 The loan loss provision equals the difference between the value of the loan on the balance sh


                1                                                  the            1               of
                                  1 The loan loss provision equals 1 difference between the value 1 the loan on the balance sh


Not Available              0.0811             0.006             0.07            0.067           0.016


Yes                 No               Yes              No               No               No


Not Available               0.044             0.017            0.037            0.038           0.028


Not Available              0.0275             0.013            0.022            0.022           0.004


                 Special provisions can be decucted;General provisions can be deducted;Provisions cannot be deducted.
                                                  Specific provisions
                                                                   Specific provisions
                                                                                    They are deducted
specific provisions are deductibleGeneral provisions can be deductedcan be deductedcan bedeductible.
Not Available              0.32               0.28              0.12         0.38               0.3


Not Available              0.32               0.28               0.3         0.38               0.3




Yes             Yes                 Yes              Yes               Yes          Yes


No              No                  Yes              No                No           No


                90 days            Not Applicable. The calculated effective interest rate is équivalentes
                                                                 90               90                 into
not specified, mais les intérêts comptabilisés doivent être neutralisés par des provisions entered90 the income statement eve


Yes             Yes                 Yes              No                Yes          Yes


Yes             Yes                 Yes              Yes               Yes          Yes


Yes             Yes                 Yes              Yes               Yes          Yes


Not Available   N859 billion                        RO 1.812 billion Rs1796.9 billion US$3,313.2 MILLONES
                                    NOK 261 billion (whole banking sector)


No              No                  Yes              No                Yes          No


Yes             Yes                 Yes              No                Yes          Yes


                Fine of N50000 on and 110 millions Francs CFA Imprisonment of removal from post, verbal and written sancti
                                Fines or imprisonment
                                                   Not Applicable 3 years.          up to three 51 of and fine.
1 month to 1 year of imprisionment, conviction or imprisonment forof a fine, according to article years the banking law.


No              Not Available       No               Not Applicable Yes             No


Not Applicable Not Available        Not Applicable Not Applicable Various           Not Applicable


No              No                  No               Not Available     Yes          No


Not Available                   6                5               10             5                7


Not Available                   6               10 Not Available                5                0
No              No             Yes             Yes            Yes            Yes


No              No             Yes             No             Yes            No


No              Yes            Not Available   No             Yes            No




No              Yes            No              No             Yes            No


No              No             No              No             No             No


Yes             Yes            Yes             Yes            Yes            Yes


Yes             Yes            No              Yes            Yes            Yes


Not Available   Yes            No              No             Yes            Yes


Yes             Yes            No              No             Yes            Yes


Yes             Yes            Not Applicable No              Yes            Yes


                                                 Banking Law & amendedCompanies the Bankruptcy 9 DE 1998
                                                                 Banking and //and Ordinance, N° Act (8.6.1984
                               the Guarantee Schemes Act asCommercial Companies LawLEY 1962//Company’s Ordinance
                Bank and Other Financial Institutes Act(1991)(19961206. no 75)Nigeria Deposit Insturance Act 1988 no 58)
the banking law and the company law                                             DECRETO


No              No             No              No             No             No


No              Yes            No              Yes            Yes            Yes


No              Yes            No              No             Yes            No


No              No             No              No             No             No


No              No             No              No             No             No


Yes             No             Yes             No             No             No
                                  The Ministry of Finance
The relevant minister in the Finance Ministry, after consultation with the banking commission


No              Yes              No              Yes              Yes              Yes


No              Yes              No              No               Yes              No


No              No               No              No               No               No


No              No               No              No               No               No


Yes             No               Yes             No               No               No


                                   after consultation with
the appointed minister of finance The Ministry of Financethe banking commission


No              Yes              Yes             Yes              No               Yes


No              Yes              No              Yes              Yes              Yes


No              Yes              No              No               No               No


No              Yes              No              No               No               No


No              No               No              No               No               No


Yes             No               Yes             No               No               No


                                  The Ministry of Finance
The relevant minister in the Finance Ministry, after consultation with the banking commission


Yes             Yes              Yes             Yes              Yes              Yes


No              No               No              No               No               No


No              No               No              No               No               No


No              No               No              No               No               No
             Yes              No             No             No              No    No


th the consent of the Minister of Finance.


             Yes              Yes            Yes            Yes             Yes   Yes


             No               No             No             No              No    No


             No               No             No             No              No    No


             No               No             No             No              No    No


             No               No             No             No              No    No


th the consent of the Minister of Finance.


             Yes              Yes            No             Yes             Yes   Yes


             No               No             No             No              No    No


             No               No             No             No              No    Not Applicable


             No               No             No             No              No    Yes


             Yes              No             Yes            No              No    No


                                              The Ministry
             The counsel of ministers of the UMOA region of Finance


             Not Available    No             No             Not Available   No    Not Available


             Not Available    No             No             Not Available   No    Not Available


             Not Available    No             No             Not Available   No    Not Available


             Not Available    No             No             Not Available   No    Not Available
Not Available   No                  No                  Not Available       No                  Not Available




Not Available   Not Available                       0 Not Available                         1                   3


Not Available   Not Available                       0 Not Available         Not Available               0.0227


Not Available   Not Available                       0 Not Available                         6                   0


Not Available   Not Available                       0 Not Available         Not Available                       0


Not Available   Not Available                       1                   1                   8                   0


Not Available   Not Available                                 125 million in total
                                    Negligible (Less than NOK0.031 Not Availableassets                          0


Not Available   Not Available       Not Available       Not Available       Not Available       2 banks were given financial councelors, this


Not Available   Not Available       Not relevant        6 months                          At least 60 months
                                                                            Merger3 Months, Acquisition 36 Weeks, Liquidation1 Year


No              No                  Yes                 Yes                 No                  Yes


No              Yes                 No                  Yes                 Yes                 No


No              No                  No                  No                  No                  No


No              No                  No                  No                  No                  No


Yes             No                  No                  No                  No                  No


the appointed minister of finance


No              No                  No                  No                  No                  No


No              Yes                 No                  Yes                 Yes                 No
No              Yes             Yes             Not Available    Yes               Yes


Not Applicable Not Available                  0 Not Available                  3               0




No              Yes             No              Yes              Yes               No


Yes             No              Yes             No               Yes               Yes


No              Yes             No              No               No                No


No              No              Yes             No               No                No


                                                Not Applicable Not Applicable of Norway)
Not Applicable Not Applicable Kredittilsynet (the Financial Supervisory Authority Not Applicable


Yes             No              No              No               No                No


              Not of the Monetary Union of West Africa
banking commissionApplicable Not Applicable Not Applicable Not Applicable Not Applicable


No              Yes             No              No               No                Yes


No              No              Yes             No               No                No


No              No              Yes             No               Yes               No


Yes             No              No              Yes              No                Yes


No              Yes             Yes             No               Yes               Yes


No              No              Yes             No               No                No


No              No              No              No               No                No


No              No              No              No               No                No
Yes             No              No              Yes              No               No


Yes             Yes             Yes             No               Yes              Yes


                the BCEAO presides over the Banking Commission, which is composed of 18 (other) members nominated ha
The governor of 5 years       6 years                                       5 year another term of once.
                                              Not Applicable 3 Years (extendable forterm, renewable 3 years)


No              Yes             Yes             No               Yes              No


No              No              No              No               No               No


No              No              No              No               No               No


No              No              No              No               No               No


No              No              No              Yes              No               Yes




Not Available   Yes             Yes             Yes              Yes              Yes


Not Available   Yes             Yes             Yes              Yes              Yes


Not Available   No              Yes             No               Yes              No


Not Available   No              Yes             No               Yes              No


Not Available   Not Available                                    50              integrated supervisor where many people do no
                                This question is very difficult to answer for an162               70


Not Available   Not Available                                  5                5             293
                                3 to 4 in the larger banks. Smaller banks, due to our riskbased supervision, are only inspected


Not Available   Not Available                   (or Available Around Rs150 million
                                NOK 156 million Not about US$ 25 million)   US$1,533,324,00


Not Available   Self Funded                       Central Bank Budget
                                                                  Internal sources of Norway, is banks.
                                Kredittilsynet, the Financial Supervisory AUthority primarily from 100% funded //by the supervis


every 2 years   Annually        Annually        Annually         Annually         Annually
Not Available   Not Available   60% of the onsite inspectors 15            58           16


Not Available   Not Available                7                   4         9.5         8.75


Yes             Not Available   Yes              Not Available       Yes         Yes


Yes             Yes             No               Not Available       Yes         Yes


               Governor       Case by case assessment of theThe Executive PresidentDeputy Governor
                                              His Excellency, Executive Director &/or
the banking commission of the Central Bank of Nigeria                         The
                                                              necessary action. Superintendent of Banks


Not Available   Not Available   Not Applicable Not Available         No                  0


No              No              No               Yes                 No          Yes


No              Yes             Yes              Yes                 No          Yes
             Peru
Papua New Guinea                       Philippines        Poland      Portugal        Romania




                SUPERINTENDENCIA DE BANCA, Commission for Banking Supervision Bank of Romania
                              Not                      Banco          National
Central Bank of Papua New Guinea Available TheSEGUROS Y AFP'sde Portugal


No                   No                No                 No          No              No


Yes                  No                Yes                Yes         No              No


                 Not subsidiaries from the bank are not allowed 2 to conduct other permissible businesses.
                                                                 to engage in insurance business.
no limit but separate Applicable No limit, banks have to be set up Not Applicable Not Applicable


                 4                12                 41                                          33
                                                                   54 There were 57 commercial banks at the end 2005. However,

                     US$ 22,795        P3,856.81                     For this         118,484 MIL
US$1.7 billion                                         PLN 553.1 mio sample the
                     MM                billion                                        RON
                                                                     total
                     US$ 16,245        P2,628.39                     For this         84,085 MIL
US$1.4 billion                                         PLN 303.8 mio sample the
                     MM                billion                                        RON
                                                                     total deposits
                     US$ 12,734        P1,885.94                     For this         56,662 MIL
US$0.5 billion                                         PLN 239.8 mio sample the
                     MM                billion                                        RON
                                                                     total deposits
                                       P4.95 billion -               17.500 Eur
US$4.5 million US$ 6.3 MM              universal bank 5,000,000 EUR million           37 MIL RON
                                       P2.40 billion -
                                                                     17.500 Eur
US$4.5 million US$ 6.3 MM              Not Available 5,000,000 EUR                    37 MIL RON
                                                                     million
                                       P1.5 billion-   0 EU, 5 MEUR The minimum
US$4.5 million US$ 6.3 MM              universal bank 3rd country   capital entry     37 MIL RON
                                       P0.210 billion-              requirement

Yes                  No                Yes                Yes         Yes             Yes


Yes                  Yes               Yes                Yes         Yes             Yes


Yes                  Yes               Yes                Yes         No              No


No                   Yes               Yes                No          Yes             No


Yes                  Yes               Yes                Yes         Yes             Yes
Yes       Yes       Yes            Yes         Yes        Yes


Yes       Yes       Yes            Yes         Yes        Yes


Yes       Yes       Yes            Yes         Yes        Yes


Yes       Yes       Yes            Yes         Yes        Yes


Yes       Yes       Yes            Yes         No         Yes


Yes       No        Yes            Yes         Yes        Yes


Yes       No        Yes            Yes         Yes        No


      3         1              0          0          6              0


      2         0 Not Applicable          0          0 Not Applicable


      0         1 Not Applicable          0          5 Not Applicable


      1         0 Not Applicable          0          1 Not Applicable


      1         2              0         172         11             4


      1         1              0          0          0              0


      1         2              0         47          1              0


      1         1              0          0          0              0


      0         0              0          7          0              0


      0         0              0          9          0              4


      0         0              0          0          0              0
                0               0                0              3                 0           1


                0               0                0             13             10              0


                0               0                0              0                 0           0


                0               0                0              0                 1           0


                0               0                1            103                 0           0


                0               0                0              0                 0           0


                0               0                0              0                 0           0


Not Available       No              Not Applicable Not Applicable Not Applicable Not Applicable


Yes                 No              Not Applicable Not Applicable Not Applicable Not Applicable


Yes                 Yes             Not Applicable Not Applicable Not Applicable Not Applicable


Yes                 No              Not Applicable Not Applicable Not Applicable Not Applicable


                Not Available
Misleading information              Not Applicable Not Applicable Not Applicable Not Applicable


No                  No              No               No             No                No


No                  No              No               No             No                No


No                  No              No               No             No                No


No                  No              No               No             No                No


Not Available             0.9999               0.6              1 Not Available               1
No                  Yes                 Yes               No                  No                  No


Not Applicable              0.9999                   0.4 Not Applicable Not Applicable Not Applicable


No                  Yes                 Yes               Yes                 Yes                 Yes


Not Available                      1                  1                   1                   1                  1


Yes                 No                  Yes               No                  No                  No


Yes                 Yes                 Yes               Yes                 Yes                 Yes


No                  Yes                 Yes               Yes                 Yes                 Yes


Restricted          Permitted           Restricted        Permitted           Permitted           Permitted


             0.05           0.9502 Not Available          Not Available                    0.75 Not Available


Permitted           Permitted           Restricted        Permitted           Permitted           Permitted


                1           0.8938               0.514                0.558                0.88                0.57


                1               0.873            0.464                0.486                0.87               0.587


             0.89           0.8216               0.893                0.934               0.951               0.997




             0.12               0.091                                               12%
                                                     0.1 8%, 1st year 15%, 2nd year 0.08                       0.12


Yes                 Yes                 Yes               Yes                 Yes                 Yes


Yes                 No                  Yes               No                  Yes                 No


Yes                 No                  Yes               No                  Yes                 No
No                  No             No                No            No              Not Available


Yes                 No             No                No            No              Not Available


           0.06 Not Applicable Not Applicable Not Applicable Not Applicable. Not Available


           0.36           0.1198 Not Available             0.145           0.113              0.21


           0.24           0.1125 Not Available             0.133           0.071            0.163


Yes                 Yes            Yes               Yes           Yes             Yes


No                  No             No                Yes           No              No


                 Not Applicable 100%, latent gains cases approved of securities100 %gains thea discount properties anddiff
                                                   Not Available     equity the unrealisedsubject to revaluation 55% on of oth
                                                                                      are from
revaluation gains which take the form of but limited toon unrealized45%by the Monetary Board on investment ofvalue net thefore




                0         0.1243          0.121            0.203            0.25 Not Available


           0.47           0.4337          0.134            0.699            0.16 Not Available


                0              2                 3             4               2 Not Available


                3              7             18              50                6 Not Available


Yes                 No             Yes               No            Yes             No


No                  No             Yes               No            Yes             Yes


No                  No             Yes               No            Yes             Yes


Yes                 No             Yes               Yes           Yes             No


Not Available       No             No                No            No              No
               0            0.1112                  0.099            0.236                0.32            0.065


             0.45           0.4445                  0.117            0.667                0.12            0.575


               0            0.1096                  0.123            0.205                0.23            0.036


             0.49                0.44               0.134            0.692                0.18            0.605




Prohibited          Restricted          Unrestricted        Unrestricted     Permitted           Unrestricted


Prohibited          Restricted          Permitted           Restricted       Restricted          Restricted


Prohibited          Prohibited          Permitted           Restricted       Prohibited          Prohibited


Prohibited          Permitted           Permitted           Unrestricted     Restricted          Restricted




Yes                 Yes                 Yes                 Yes              Yes                 Yes


Yes                 Yes                 Yes                 Yes              Yes                 Yes


No                  Yes                 Not Available       Yes              Yes                 Yes


Yes                 Yes                 Yes                 Yes              Yes                 No


Yes                 No                  Yes                 Yes              Yes                 Yes


Yes                 Yes                 Yes                 Yes              Yes                 Yes


Yes                 Yes                 Yes                 Yes              Yes                 Yes


Yes                 Yes                 Yes                 Yes              Yes                 Yes
Yes             Yes             Yes             Yes             Yes              Yes


Yes             Yes             No              No              Yes              Yes


No              No              No              No              No               No




Yes             Yes             Not Available   No              Yes              Yes


Yes             Yes             Not Available   Not Applicable Not Available     Yes




No              Yes             Yes             No              Yes              No


Yes             Yes             Yes             Yes             Yes              Yes


               1030%OF THE EFFECTIVE PATRIMONY
                               25%              20%/25%          Not Available
Lesser of US$30,000 or 5% of capital of unimpaired capital and surplus                 0.25


No              No              Yes             No              No               Yes


No              No              Yes             No              No               Yes


No              No              No              No              No               No


Yes             Yes             Yes             Yes             Yes              Yes


              THE MINIMAL LEGAL LACE of a 6 %.since October Eurosystem’sand deposit substitute liabilities.
                                             3,5% A LACE IS against //deposit minimum reserve system applies % RON
                                                              DEMANDED ADDITIONALLY ALONE IN FOREIGN cred
Cash Reserve Requirement of 3% least 25% IS required reservesThe31, 2003 // Minimum Reserve Requirements 20//to MINT
                             At


No              Yes             Yes             Yes             Yes              Yes


                                           0,9 REMUNERATED. // ADDITIONAL LACE IN reserves are //remunerated
                                                                             1.7 of required FOREIGN MINT
Not Applicable THE MINIMAL LEGAL LACE 40% of of rediscountInstitutions’ holdingsRON; 0.95 USD; 0.7 EURO DEPOSITE
                                                           rate for
                            4% on up to IS NOTreserve requirementsbills


No              Yes             Yes             No              Yes              Yes
Not Applicable Not Available                      Not Available Not Applicable
                                   100% currency cover on foreign currency liabilities.                  0.4


No                  Yes            Yes                 No                No                  Yes


Not Applicable Not Available       Not Available       Not Applicable Not Applicable                     0.4


less than 10%             0.6624 Not Available                     0.257 On an individual basis and according to monetary and financ
                                                                                                     43.3


less than 10%             0.6589 Not Available                     0.176 On an individual basis and according to monetary and financ
                                                                                                     43.6


less than 30%             0.1141               0.152               0.221 On an individual basis and according to monetary and financ
                                                                                                      1.6


          0.81            0.7127               0.681                                                 63.4
                                                                   0.549 In 2005 some institutions supervised by Banco de Portugal h


                0         0.2516 Not Available                                                       28.9
                                                                   0.482 In 2005 some institutions supervised by Banco de Portugal h




No                  Yes            Yes                 Yes               Yes                 Yes


Not Applicable the banks           the banks           the banks         the banks           Not Available


Not Applicable Yes                 Yes                                 Yes
                                                       ex ante and ex post                   Yes


Not Applicable Yes                 Yes                 No                Yes                 Yes


Not Applicable             0.005 Not Available                 0.0054                0.004           0.0133


Not Applicable Not Available                   5000 Not Available        Not Available       Not Available


Not Applicable            75631 Not Available          Not Available     Not Available       Not Available


Not Applicable Yes                 Yes                 Yes               Yes                 Yes


Not Applicable            75631 P250,000.00            22,500 EUR        25000 Eur           in 2006, the equivalent in RON of EUR 15,00
Not Applicable No                  No                  Yes                 Yes                 No


Not Applicable Yes                 Yes                 Yes                 Yes                 Yes


Not Applicable No                  Yes                 No                  No                  No


Not Applicable No                  Yes                 No                  No                  Yes


                               of Banking, Insurances and // Administratrices Privadas of
                                                               Banco de Portugal Applicable
                                                                                Not
Not Applicable The Supervision Not Applicable The Commission for Banking Supervision Pension funds


Not Applicable No                  Yes                 No                  No                  No


           0.02            0.13 Not Available          Not Available                          were not covered by any explicit or implicit s
                                                                           24% of liabilitiesNot Available


                1             1                    8                   1                   0                3


1 national bank was privatised 0                   0                   0 Not Applicable                     0


Not Applicable Yes                 Yes                 Yes                 Yes                 Yes


Not Applicable 48 Hours            Not Available                       Not in 2001
                                                       last bank bankruptcyAvailable           34 months


Not Applicable 72 Hours            Not Available       66 days             Not Available       less than 7 months


Not Available       No             Yes                 No                  No                  No


Not Applicable Yes                 Not Available       No                  No                  No


Not Applicable Yes                 Not Available       No                  No                  No


Not Applicable No                  No                  No                  No                  No


Not Applicable No                  No                  No                  No                  No


Not Applicable Yes                 No                  Yes                 Yes                 Yes
Not Applicable No                    No                  No            No             No


Not Applicable Yes                   Yes                 Yes           Yes            Yes




Yes               Yes                Yes                 Yes           Yes            No


Yes               Yes                Yes                 Yes           Yes            No


No                No                 Yes                 Yes           No             No


No                Yes                No                  No            No             No


            90                                                   30 Not Available              30
                                  60 For Credit Card A/R 90 to 120 For regular unsecured loans 90


           180                                               For regular unsecured loans 180
                             120 For Credit Card A/R 121180 90 Not Available               60


           365                                              180 Not Available              90
                             365 For Credit Card A/R 180 or more For regular unsecured loans 180


           0.25 Not available                    0.1             0.2 Not Available             0.2


            0.5 Not available                    0.5             0.5 Not Available             0.5


                1 Not available                      1            1 Not Available               1


         0.014            0.0119              0.041            0.115          0.011         0.0012


No                No                 Not Available       Yes           No             Yes


Not Available             0.0499              0.043            0.031          0.018          0.032


         0.006            0.0396                0.02            0.03         0.0065          0.048


               Specific reservations can be deduced
                                               Specific provisions can be deducted
                                                                               Specific provisions
Provisions cannot be deducted Provisions cannot be deducted Specific provisions can be deductedcan be deducted
           0.14              0.3               0.32              0.19            0.25            0.16


           0.14              0.3               0.32              0.19            0.25            0.16




Yes                 Yes             Yes               Yes               Yes             Yes


No                  No              No                No                Yes             No


            90 Not available                                                   90
                                                90 always when an asset is nonperforming          360


Yes                 Yes             Yes               Yes               Yes             No


Yes                 Yes             Yes               Yes               Yes             Yes


No                  Yes             Yes               Yes               Yes             Yes


Not Available       US$ 4.83 MM     Not Available                       In            19,993 Mil RON
                                                      1,996 billion zloty 2005 some institutions supervised by Banco de Portugal h


Yes                 No              Yes               No                Yes             No


Yes                 Yes             Not Available     Yes               Yes             Yes


                in Court, removal from being //directors ANALYSIS // ON on the seriousness
                               Not Available      ON THE                     fine ranging from 1 to 6 net average salaries
face prosecutionBANNS OR FINES DEPENDINGNot Available Depending THE INFRACTION of the erroneous or //the misle


Yes                 No              Not Available     Not Available     No              Yes


              are before the Not and these Not Available Not Applicable
numerous casesNot Applicable court Available directors are no longer on the boards                    2


Yes                 Yes             Yes               No                No              No


            10                    1 Not Available     Not Available                 9 Not Available


                0              10 Not Available       Not Available                 0                 4
No            Yes           Not Available   No              Yes        No


Yes           Yes           Not Available   No              Yes        No


Yes           Yes           Not Available   No              Yes        Yes




Yes           Yes           Not Available   Yes             No         Yes


Yes           No            Not Available   Yes             No         No


Yes           Yes           Yes             Yes             Yes        Not Available


Yes           Yes           Yes             Yes             Yes        Not Available


Yes           No            Yes             No              Yes        Not Available


Yes           No            Yes             No              Yes        Not Available


Yes           No            Not Available   Not Available   No         Not Available


                                            Bank Law; DecreeLaw no. 298/92 – up //procedures; the //Legal Frame
Companies Act ONLY THE LAWR.A. 7653 CentralFINANCIAL SYSTEM // ANDand windingwhich establishes Bancrupcy and re
                                                                     Government ordinance no.10/2004 AND OR
                           GENERAL DELBankingAct Reorganisation OF THE SYSTEM OF INSURANCES regardin


No            Yes           No              No              No         Yes


No            Yes           Yes             No              Yes        No


Yes           No            Yes             Yes             No         Yes


No            No            Yes             No              No         No


No            No            No              No              No         No


No            No            No              No              No         No
Not Available   Yes   Yes   Yes   Yes   Yes


Not Available   No    Yes   Yes   No    Yes


Not Available   No    Yes   No    No    No


Not Available   No    No    No    No    No


Not Available   No    No    No    No    No




Not Available   Yes   No    No    No    Yes


Not Available   Yes   Yes   Yes   Yes   Yes


Not Available   Yes   No    No    No    Yes


Not Available   No    No    No    No    No


Not Available   No    No    No    No    No


Not Available   No    No    No    No    No




Not Available   Yes   Yes   Yes   Yes   Yes


Not Available   Yes   No    Yes   No    Yes


Not Available   No    No    No    No    No


Not Available   No    No    No    No    No
Not Available   No    No    No    No    No




Not Available   Yes   Yes   Yes   Yes   Yes


Not Available   Yes   No    Yes   No    Yes


Not Available   No    No    No    No    No


Not Available   No    No    No    No    No


Not Available   No    No    No    No    No




Not Available   Yes   Yes   Yes   Yes   No


Not Available   Yes   No    Yes   No    No


Not Available   No    No    No    No    No


Not Available   No    No    No    No    No


Not Available   No    No    No    No    No




Not Available   No    No    Yes   No    No


Not Available   No    No    Yes   No    No


Not Available   No    No    No    No    No


Not Available   No    No    No    No    No
Not Available   No                No              No                  No                  No




Not Available                   0 Not Available                   1                   0                   3


Not Available                   0 Not Available          0.00003                      0            0.003


Not Available                   0 Not Available                   0                   0 Not Available


Not Available                   0 Not Available                   0                   0 Not Available


Not Available                   0 Not Available                   8                   0 Not Available


Not Available                   0 Not Available           0.0054                      0 Not Available


Not Available   Not Available     Not Available   Not Available       Not Available       Not Available


Not Available   Not Applicable Not Available                      8 Not Applicable Not Available


Not Available   Yes               Yes             Yes                 No                  Yes


Not Available   Yes               No              Yes                 No                  Yes


Not Available   No                No              No                  No                  No


Not Available   No                No              No                  No                  No


Not Available   No                No              No                  Yes                 No


Not Available                                                                       Court decision assessed by supervisor.
                                                                      Government under a proposal from the bank NBR.


Not Available   No                Not Available   No                  No                  No


Not Available   No                No              Yes                 No                  Yes
Not Available   Yes            Yes             Yes             Yes             Yes


Not Available                1 Not Available   Not Available               0              2




Not Available   No             Yes             No              Yes             Yes


Not Available   Yes            Yes             Yes             No              No


Not Available   No             No              No              No              No


Not Available   Yes            No              No              No              No


Not Available               Not Applicable Not Applicable Not Applicable Not Applicable
                SUPERVISION OF BANKING, INSURANCES AND AFP's


Not Available   No             No              Yes             Yes             No


Not Available                                                Not Available Not
                Not Applicable Not Applicable Commission for Banking Supervision Applicable


Not Available   No             No              No              No              No


Not Available   No             No              No              No              No


Not Available   No             No              No              Yes             Yes


Not Available   No             No              No              No              No


Not Available   Yes            Yes             No              No              No


Not Available   No             No              No              No              No


Not Available   No             No              Yes             No              Yes


Not Available   No             No              No              No              No
Not Available   No              No              No             Yes               No


Not Available   Yes             Yes             Yes            Yes               Yes


Not Available                         6 6 years
                CONSTITUTIONAL PERIOD 5 YEARS                                  period
                                                               For a renewable 5 yearsof five years.


Not Available   No              No              No             No                No


Not Available   No              No              No             No                No


Not Available   Yes             No              Yes            No                Yes


Not Available   No              No              No             No                No


Not Available   No              No              No             Yes               No




Not Available   Yes             Yes             Yes            Yes               Yes


Not Available   Yes             Not Available   Yes            Yes               Yes


Not Available   Yes             Not Available   Yes            Yes               Yes


Not Available   Yes             Not Available   Yes            Yes               Yes


Not Available              101 Not Available                                                103
                                                           464 Total 171 and related directly to supervisory activities 72.


Not Available                 5 Not Available               0.6 On average 2 to 3 times.         5


Not Available   S/. 59' 763,882 Not Available   77,806,745 pln Not Available     Not Available


Not Available               Not Available Banking supervision,
                                                         Around 12.6 Commission
                                                                       Not Available
                CONTRIBUTIONS OF SUPERVISED COMPANIES and the million Eur. for Banking Supervision is funded


Not Available   Annually        Not Available   Every two years Every two years Annually
Not Available                    Not
                63.4% of the total Available                                                  to
                                                           279 Total 121 and related directly 44supervisory activities 46.


Not Available            17.77 Not Available               10.3               16                 7


Not Available   Not Available   Yes             Yes               Yes              Yes


Not Available   Yes             Yes             Yes               No               Yes


Not Available   Not Available   Monetary Board Not Available      Not Applicable Not Available


Not Available   Not Available   Not Available   Not Available     Not Applicable Not Available


Not Available   Yes             Yes             No                No               No


Not Available   Yes             Yes             Yes               Yes              Yes
              Saudi
Russian Federation Arabia         Senegal         Seychelles          Singapore         Slovak Republic




                                The Finance Ministry, after of of Seychelles
                                               Central Bank SAMA after receiving approval the Banking Commision
                                                                  Monetary Authority of Singapore(MAS) Bank Slovakia
                                                                                 Central Bank National
Bank of Russia Minister of Finance on the recommendation consultation with the BCEAO and from the Council of Ministers


Yes              No               No              No                  No                Yes


Yes              No               No              Yes                 Yes               Yes


                  Not Applicable Not Applicable
not limited by legislation                                        2                   2 Depends on the banking activities according


          1253                14 Not Available                    6               110 23, of which 18 subsidiaries and 5 branches

9750 bln RUR                                      USD1.024            Around
(here and       SR 736.5 billion Not Available                                        1404.8 bln. Sk
                                                  billion             S$1,262 billion
thereafter data
3753 bln RUR                                      USD879.2            Around S$469
(here and       SR 537.1 billion Not Available                                     855.1 bln. Sk
                                                  million             billion
thereafter -
                                                  USD281.1            S$Around
6371 bln RUR     SR 418.6 billion Not Available                                         558.5 bln. Sk
                                                  millioni;           S$357 billion
                 SR 2.5 million                   USD1.82
5 mln euro       (USD 100         1 md FCFA                           S$1.5 billion     500 mln. Sk
                                                  million
                 million for a

5 mln euro       Not Available    1 md FCFA       Not Available       S$1.5 billion     500 mln. Sk

                                                                      For a foreign     According to
not applicable   Not Available    Not Available   Not Available       branch, its       the Act on
                                                                      head office       Banks

Yes              No               Yes             Yes                 Yes               Yes


Yes              No               Yes             Yes                 Yes               Yes


Yes              No               Yes             No                  Yes               Yes


No               No               No              Yes                 Yes               No


Yes              Yes              Yes             No                  Yes               Yes
Yes              Yes               Yes             Yes               Yes             Yes


Yes              Yes               Yes             Yes               Yes             Yes


Yes              Yes               Yes             Yes               Yes             Yes


Yes              Yes               Yes             Yes               Yes             Yes


Yes              Yes               Yes             Yes               Yes             Yes


Yes              Yes               Yes             Yes               Yes             Yes


Yes              Yes               Yes             No                Yes             Yes


           698                   2 Not Available   Not Available     Not Available                0


           147 Not Available       Not Available   Not Available     Not Available   Not Applicable


           551 Not Available       Not Available   Not Available     Not Available   Not Applicable


Not Available    Not Available     Not Available   Not Available     Not Available   Not Applicable


Not Available                    8 Not Available                   2 Not Available                0


Not Available    Not Available     Not Available   Not Available     Not Available                0


Not Available    Not Available     Not Available   Not Available     Not Available                0


Not Available    Not Available     Not Available   Not Available     Not Available                0


Not Available    Not Available     Not Available   Not Available     Not Available                0


Not Available    Not Available     Not Available   Not Available     Not Available                0


Not Available    Not Available     Not Available   Not Available     Not Available                0
Not Available       Not Available     Not Available       Not Available     Not Available                0


Not Available       Not Available     Not Available       Not Available     Not Available                0


Not Available       Not Available     Not Available       Not Available     Not Available                0


Not Available       Not Available     Not Available       Not Available     Not Available                0


Not Available       Not Available     Not Available                       1 Not Available                0


Not Available       Not Available     Not Available       Not Available     Not Available                0


Not Available       Not Available     Not Available       Not Available     Not Available                0


No                  Not Available     Not Available       Not Available     Not Available   Not Applicable


No                  Not Available     Not Available       Not Available     Not Available   Not Applicable


No                  Not Available     Not Available       Not Available     Not Available   Not Applicable


No                  Not Available     Not Available       Not Available     Not Available   Not Applicable


               Not denial was Not Available Not provided        Financial strength, track record
                                                                                 legislative//requirements.
The main reason for Available a discrepancy of//the Available documents with the Not Applicable and reputation //of bank and


                 No              No             No                but              No
Legally foreign banks are No from opening subsidiaries in Russia, No this is considered premature. Besides there are no rules


No                  No                No                  No                No              No


Yes                 No                Yes                 No                No              No


No                  No                No                  No                No              No


                1               0.4                   1                                                 1
                                                                          1 Approval from MAS is needed by any individual shareholder
No                  No               No                  No                No                No


                                                                           Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable Approval from MAS is needed by any individual shareholder


Yes                 Yes              Yes                 Yes               Yes               Yes


                               1
1 (but prior consent of the Bank of Russia)          1                                               0.5
                                                                         1 Approval from MAS is needed by any individual shareholder


                  Not Available No
Yes, if no prior consent of the Bank of Russia           Not Available     Yes               No


Yes                 Yes              Yes                 Yes               Yes               Yes


Yes                 Yes              Yes                 Yes               Yes               Yes


Permitted           Permitted        Permitted           Permitted         Permitted         Permitted


            0.256 Not Available      Not Available                       0 Not Available                 0.859


Permitted           Permitted        Permitted           Prohibited        Permitted         Permitted


            0.546               0.68 Not Available               0.9669 Not Available                    0.685


            0.438               0.67 Not Available               0.9886 Not Available                    0.674


                1                  1 Not Available               0.1048                0.9                0.92




                          0.08            0.08              0.08             0.1
11% for banks with own funds less than rouble rquivalent of 5 mln euro, 10% for the rest                  0.08


Yes                 Yes              Yes                 Yes               Yes               Yes


Yes                 No               No                  No                Yes               No


Yes                 No               No                  No                Yes               No
No                No                No              No              No               No


No                Not Available     No              No              No               No


Not Applicable Not Available        Not Applicable Not Applicable Not Applicable Not Applicable


           0.16            0.178 Not Available            0.17491            0.158            0.148


          0.114            0.127 Not Available             0.1873            0.116             0.15


Yes               Yes               Yes             Yes             Yes              Yes


No                Yes               No              Yes             No               No


                              1 might be complementary capital in Tier II capitalare counted in 0 And up
                                                50% of surplus from revaluation once in 3 years.
                                                                                 0                  capital Tier capital must tie
Gains on fixed assets (e,g, own premises) revaluation are included probably tier 2 of tangible fixed assets toIIthe amount ofnot




          0.385            0.198 Not Available             0.4057                0             0.01


          0.083 Not Available       Not Available          0.5943 >50%                         0.95


             21                   1 Not Available               2                0                1


             51                   3 Not Available               4              105               21


Yes               No                Yes             No              Yes              No


Yes               Yes               Yes             No              Yes              No


Yes               Yes               Yes             No              Yes              No


No                Yes               Yes             No              Yes              Yes


No                No                No              No              No               No
             0.53               0.195 Not Available           0.4029                  0                  0


             0.06 Not Available       Not Available           0.5971 >50%                              0.95


            0.413                0.18 Not Available           0.4574                  0                0.01


            0.085 Not Available       Not Available           0.5426 >50%                              0.94




Permitted           Permitted         Restricted      Unrestricted     Unrestricted       Unrestricted


Permitted           Restricted        Restricted      Prohibited       Restricted         Permitted


Permitted           Prohibited        Permitted       Prohibited       Restricted         Prohibited


Permitted           Restricted        Restricted      Permitted        Restricted         Restricted




Yes                 Yes               Yes             Yes              Yes                Yes


Yes                 Yes               Yes             Yes              Yes                Yes


Yes                 Yes               No              Yes              Yes                Yes


Yes                 Yes               Yes             Yes              Yes                Yes


Yes                 Yes               Yes             Yes              Yes                No


Yes                 Yes               Yes             Yes              Yes                Yes


Yes                 Yes               Yes             Yes              Yes                Yes


No                  No                Yes             Yes              Yes                Yes
No              No              Yes             Yes             Yes             Yes


No              Yes             Yes             No              Yes             No


Not Available   No              Not Available   No              No              No




Yes             Yes             Yes             No              Yes             Yes


Yes             No              Not Available   Not Applicable No               Yes




No              Yes             Yes             Yes             Not Available   Yes


Yes             Yes             Yes             Yes             Yes             Yes


                25% own funds 75% of equity
not more than 25% ofof capital and reserves     25% of CF                        The
                                                                25% of capital funds sum of large asset exposures of the ban


No              Yes             No              No              Yes             No


No              Yes             No              No              No              No


No              No              No              No              No              No


Yes             Yes             Yes             Yes             Yes             Yes


                7% on demand of liabilities//which saving/time depositsare 2 requirements, a minimum cashof
                                 Minimum determined by the central bank in the country (the regional branch balance direct a
                                                 Not Applicable There            deposit at//the Cantral reserves BCEAO) f
Banks are required to hold 3.5% deposits and2% on are specifically determined on The minimum required Bank the in a//(3%) as


No              No              No              Not Available   No              Yes


                                                            deposits in minimum reserve
Not Applicable Not Applicable Not Applicable 2.5% of averageNot Applicable          0.015


No              No              No              Yes             No              No
Not Applicable Not Applicable Not Applicable Not Available         Not Applicable Not Applicable


No               No               No                 No            No               No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


         0.278            0.171 Not Available               0.07             0.75               0.15


         0.334            0.212 Not Available             0.0136             0.75               0.26


                           0.187 Not Available
0.05 (debt securities of Russian Federation)               0.468             0.05               0.18


         0.385            0.729 Not Available             0.8584              0.4                0.6


Not Available    Not Applicable                  0            0 Not Available                    0.3




Yes              No               No                 No            Yes              Yes


both             Not Applicable Not Applicable Not Applicable the banks             the banks


Yes              Not Applicable Not Applicable Not Applicable Yes                   Yes


No               Not Applicable Not Applicable Not Applicable Yes                   No


                                                                             is 0.3% 2.21 % i.e. negative due to reimbur
         0.002 Not Applicable Not Applicable Not Applicable Target fund size negativeof total insured deposits which is be


Not Available    Not Applicable Not Applicable Not Applicable Not Available         Not Available


Not Available    Not Applicable Not Applicable Not Applicable S$20,000              Not Available


Yes              Not Applicable Not Applicable Not Applicable Yes                   Yes


               Not Applicable Not Applicable Not Applicable S$20,000 per depositor per institution EUR
100 thousand roubles                                                       727 400 Sk i.e. 20 000
Yes               Not Applicable Not Applicable Not Applicable Yes                 Yes


Yes               Not Applicable Not Applicable Not Applicable No                  Yes


No                Not Applicable Not Applicable Not Applicable No                  No


Yes               Not Applicable Not Applicable Not Applicable No                  No


                                                                           The National Bank of Slovakia (central bank
Not Applicable Not Applicable Not Applicable Not Applicable MAS or the court.


Yes               Not Applicable Not Applicable Not Applicable No                  No


Not Available              0.018 Not Available   Not Available                     321.6 bln. Sk
                                                                   Deposit insurance coverage is only for S$ deposits held by in


795 closed, 32 merged          0 Not Available                                                  failure in Singapore.)
                                                                 0 0 (There has not been a bank 6


                0 Not Applicable Not Available                                    Not Available
                                                                 0 0. There has not been a bank failure in Singapore.


Yes               Not Applicable Not Applicable Not Applicable Not Available       Yes


                 Not Applicable Not Applicable Not Available
No time limit established by legislation                           Not Available   3 months


Not Available     Not Applicable Not Applicable Not Available      Not Available   4 7 weeks


No                Not Applicable Not Available   Not Available     Not Available   Yes


No                Not Applicable Not Applicable Not Applicable Yes                 No


No                Not Applicable Not Applicable Not Applicable No                  No


No                Not Applicable Not Applicable Not Applicable No                  No


No                Not Applicable Not Applicable Not Applicable No                  No


No                Not Applicable Not Applicable Not Applicable No                  Yes
Yes                 Not Applicable Not Applicable Not Applicable Yes                 No


No                  Not Applicable Not Applicable Not Applicable Yes                 Yes




No                  Yes              Yes              Yes            Yes             Yes


No                  Yes              Yes              Yes            No              Yes


Yes                 No               No               Yes            No              No


No                  No               No               Yes            Yes             Yes


                             90 30 for the unpaid The first 90               90                  debt servicing. Specifically deb
There are two dimensions of the loan classification.balance one is concerned with the quality of90


Not Available                 180 180 on the total            120             120              180


Not Available                 360 not specified               360             180              360


0.01 to 0.2                   0.25 optional                   0.15             0.1              0.2


0.21 to 0.5                    0.5                1            0.5             0.5              0.5


                1                1                1             1                1                1


          0.018             0.011 Not Available             0.0022          0.019            0.021


Yes                 No               Yes              No             Yes             Yes


          0.043             0.035 Not Available             0.0321          0.019            0.021


          0.019             0.017 Not Available             0.0127            0.01            0.02


                 specific and general
                                 specific be deductedAvailable
                                                 Not                             Specific provisions
Specific provisions can be deducted can provisions are deductibleGeneral provisions can be deductedcan be deducted
           0.24 Not Available       Not Available                  The                       0.19
                                                    0, 25%, 30%, 40% corporate tax rate is 20% and certain financial activities


           0.24               0.2 Not Available                    The                       0.19
                                                    0, 25%, 30%, 40% corporate tax rate is 20% and certain financial activities




No                Yes               Yes             Yes                 Yes         Yes


No                No                No              No                  No          No


                            90 not specified, mais les intérêts comptabilisés doivent être
                                                              90               90          90
Not Applicable. Income and expenses are recorded using the cash method of accounting. neutralisés par des provisions équiv


Yes               Yes               Yes             Yes                 Yes         Yes


Yes               Yes               Yes             Yes                 Yes         Yes


Yes               Yes               Yes             Not Available       Yes         Yes


                SR 627.9 billion Not Available USD77.5 million S$2,392 billion for locally 528 000 EURbanking groups
offbalance claims 1462 bln RUR, offbalance liabilities 1353 bln RUR             104 547 incorporated


No                Not Available     No              No                  Yes         No


No                Yes               Yes             Yes                 Yes         Not Available


                               1 month to 1 year of Applicable Fine not licenseNotFrancs CFA of a fine, according to article
                                               Not imprisionment, and 110 millions Available
                                                                                revoked
Not Applicable Suspension or removal, monetary fines and penalties, andexceeding S$125,000 or imprisonment for //a term n


Not Applicable No                   No              No                  No          Not Available


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Available


No                No                No              No                  No          Not Available


            10                10 Not Available                  10               10 Not Available


Not Available                     0 Not Available                   0             0 Not Available
Yes            No              No              No              Yes             Not Available


No             No              No              No              Yes             Not Available


Yes            Yes             No              No              Yes             Not Available




No             Yes             No              Yes             Yes             Yes


No             Yes             No              No              No              No


Yes            Yes             Yes             Yes             Yes             Yes


Yes            Yes             Yes             No              Yes             Yes


No             Yes             Not Available   No              Yes             Yes


No             Yes             Yes             No              Yes             Yes


Yes            No              Yes             No              No              Yes


                General Bankruptcy Law
                                  Insolvency//(Bankruptcy) of Credit Institutions' Act on Banks, No.483/2001
                                                  Financial Institutions
                                                                    Banking 2004
On Insolvency (Bankruptcy)', 'On the banking law and the company lawAct, Act, Companies, Act, and Bankruptcy Act.


Yes            No              No              No              No              No


No             Yes             No              Yes             No              Yes


Yes            No              No              No              Yes             No


No             No              No              No              Yes             No


No             No              No              No              No              No


No             No              Yes             No              Yes             No
                                              The bank itself, in a case of voluntary banking commission
            The relevant minister in the Finance Ministry, after consultation with theliquidation.


Yes   Yes   No              Yes              Yes             Yes


No    No    No              Yes              Yes             Yes


No    No    No              No               No              No


No    No    No              No               No              No


No    No    Yes             No               No              No


            the appointed minister of finance after consultation with the banking commission


Yes   No    No              No               No              Yes


No    Yes   No              No               Yes             Yes


No    No    No              No               Yes             No


No    No    No              No               No              No


No    No    No              No               No              No


No    No    Yes             No               No              No


            The relevant minister in the Finance Ministry, after consultation with the banking commission


Yes   Yes   Yes             Yes              Yes             Yes


No    No    No              No               Yes             No


No    No    No              No               No              No


No    No    No              No               No              No
No    No    Yes            No              No             No




Yes   Yes   Yes            Yes             Yes            Yes


No    No    No             No              Yes            No


No    No    No             No              No             No


No    No    No             No              No             No


No    No    No             No              No             No




Yes   Yes   Yes            Yes             Yes            No


No    No    No             No              No             No


No    No    No             No              No             No


No    No    No             No              No             No


No    No    Yes            No              No             No


            The counsel of ministers of the UMOA region


No    No    No             Yes             No             No


No    No    No             No              No             No


No    No    No             No              No             No


No    No    No             No              No             No
            No                No             No              No                  No                No




                        795                0 Not Available                   0                   0 Not Available


            Not Available                  0 Not Available                   0                   0 Not Available


            Not Available                  0 Not Available                   0                   0 Not Available


            Not Available                  0 Not Available                   0                   0 Not Available


            Not Available                  0 Not Available                   1                   0 Not Available


            Not Available                  0 Not Available            0.2012                     0 Not Available


            Not Available                  0 Not Available   Not Available       Not Available     Not Available


            Not Available     Not Applicable Not Available   6 months            Not Applicable. Not Available


            Yes               Yes            No              Yes                 No                Yes


            Yes               No             No              No                  Yes               No


            No                No             No              No                  No                No


            No                No             No              No                  No                No


            No                No             Yes             No                  No                No


urt decision assessed by NBR.                the appointed minister of finance


            No                No             No              No                  Yes               No


            Yes               No             No              No                  Yes               No
Yes            Yes             No              Yes             Yes             Yes


                              0 Not Applicable Not Available
on revoking of banking licences 27 for the last 2.5 years                  0              0




Yes            Yes             No              Yes             Yes             Yes


No             No              Yes             No              Yes             No


No             Yes             No              No              No              No


No             No              No              No              Yes             No


                                                                           Not Applicable
Not Applicable Not Applicable Not Applicable Not Applicable Monetary Authority of Singapore (MAS)


No             No              Yes             Yes             Yes             Yes


                                            Central Bank    Monetary of West Africa
                                                                            Central Bank National
Not Applicable Not Applicable banking commission of the Monetary UnionAuthority of Singapore (MAS) Bank of Slovakia


No             Yes             No              No              No              No


No             No              No              Yes             No              No


Yes            No              No              Yes             No              No


No             No              Yes             No              Yes             No


No             Not Available   No              Yes             No              No


No             Yes             No              No              No              No


Yes            No              No              No              No              No


No             No              No              No              No              No
No               No              Yes             No               Yes              Yes


Yes              Yes             Yes             Yes              Yes              No


4 years          4 years                         the BCEAO presides over the Banking Commission, which is composed of 18
                                 The governor of 6 years       3 years         Not Applicable


No               No              No              Yes              No               No


No               No              No              No               No               No


Yes              No              No              No               No               No


No               No              No              No               No               No


No               No              No              Yes              Yes              Yes




Yes              Yes             Not Available   Yes              Yes              Yes


Yes              Yes             Not Available   No               Yes              Yes


No               Yes             Not Available   No               Yes              Yes


No               Yes             Not Available   No               Yes              Yes


          4324              141 Not Available                   4 Around 120                    85


                             5 Not Available                2.25 Depends on risk System), 2.5bank  if
3 (including examinations made in the process of introduction of Deposit Insurance profile of the 40 exclude those


Not Available    SR 30.0 million Not Available   USD545           Not Available    8 mil. Sk


Not Available                  from fees for Central
                 SAMA revenues Not Available services Bank                        central Bank budget
                                                                  MAS is both the Central bank and financial sector regulator.


Every two years Annually         Every two years Every two years Every two years Every two years
                            in Not Available
15 years and more experince 59 banking 1060       Not Available                   20         10


Not Available   6 to 10 years     Not Available                   7                6          5


Yes             Yes               Yes             Yes                 Yes              Yes


Yes             Yes               Yes             Yes                 Yes              Yes


                Bank of Russia, Banking Supervision Committee,For any breach of of the Bank of Russia
                                  Supervision   Deputy                         Central Bank´s Deputygovernor
Chairman of the Director of Bank the banking commissionGovernor regional branchesprudential regulations, banks are required


Not Available                   0 Not Available   Not Available       Not Applicable          0


Yes             No                No              Not Available       No               No


Yes             No                No              Not Available       No               Yes
Slovenia           South Africa     Korea, Rep.        Spain            Sri Lanka         St. Kitts and Nevis




                (the Supervision Department of MINISTERIO DE ECONOMÍA of HACIENDA of Finance of each of the eigh
                               FSC(Financial Suprevisory Commission Bank Y Sri Lanka
Banka Slovenije BankBank of Slovenia)                           Central       The Ministers
                                               the //South African Reserve Bank


No                 No               No                 No               No                No


Yes                No               Yes                No               Yes               Yes


                16 Not Applicable                 6 Not Applicable Not Applicable Not Available There are separate regulation


22, foreign branches included34                   19              272                  22 Not Available

7,012 billion      $240bn ($ =      549,834,100,00
                                                   1918 bn €            Rs. 1,444 bn      Not Available
SIT                R7.00)           0,000 won

5,847 billion                       549,997,100,00
                   $194,1bn                        1050 bn €            Rs. 1,043 bn      Not Available
SIT                                 0,000 won

4,530 billion                       478,641,100,00
                   $193,4bn                        1178 bn €            Rs. 918 bn        Not Available
SIT                                 0,000 won
1,220 million                       100,000,000,00     18 millones de                     EC$5.0m /
SIT (6.36          $35,7m           0 won(local                       Rs. 2.5 bn
                                                       euros                              US$1.852m
million USD)                        bank[financial
1,220 million                       the same as a      18 millones de                     EC$5.0m /
SIT (6.36          $35,7m                                             Rs. 2.5 bn
                                    domestic bank      euros                              US$1.852m
million USD)
EU: 0; non-                         3,000,000,000 18 millones de                          Assigned
EU: 1,220          $35,7m                                        Rs. 2.5 bn               capital of
                                    won           euros
million SIT                                                                               EC$5.0m /

Yes                Yes              Yes                Yes              Yes               Yes


Yes                Yes              Yes                Yes              Yes               Yes


No                 No               Yes                No               No                No


No                 No               No                 No               No                No


Yes                Yes              Yes                Yes              Yes               Yes
Yes              Yes        Yes              Yes      Yes             Yes


Yes              Yes        Yes              Yes      Yes             Yes


Yes              Yes        Yes              Yes      Yes             Yes


Yes              Yes        Yes              Yes      Yes             Yes


Yes              Yes        Yes              Yes      Yes             Yes


Yes              Yes        Yes              Yes      No              Yes


Yes              Yes        Yes              No       Yes             Yes


             0         2 Not Available              3 Not Available   Not Available


Not Applicable         0 Not Available              0 Not Available   Not Available


Not Applicable         0 Not Available              3 Not Available   Not Available


Not Applicable         2 Not Available              0 Not Available   Not Available


             3         17            22            26 Not Available   Not Available


             0         0                 0          0 Not Available   Not Available


             0         1                 3          0 Not Available   Not Available


             0         0                 0          0 Not Available   Not Available


             0         0                 0          0 Not Available   Not Available


             1         0                 1          0 Not Available   Not Available


             0         0                 0          0 Not Available   Not Available
              0                0                0                0 Not Available   Not Available


              2                4              18                26 Not Available   Not Available


              0                0                0                0 Not Available   Not Available


              0                0                0                1 Not Available   Not Available


              0               12                0                0 Not Available   Not Available


              0                1                0                0 Not Available   Not Available


              0                0                0                0 Not Available   Not Available


Not Applicable Not Applicable Not Available         Not Applicable Not Available   Not Available


Not Applicable Not Applicable Not Available         Not Applicable Not Available   Not Available


Not Applicable Not Applicable Not Available         Not Applicable Not Available   Not Available


Not Applicable Not Applicable Not Available         Not Applicable Not Available   Not Available


                               Not Available Not Applicable Not Available Not Available
Not Applicable Representative office licence denied due to //concerns about the deteriorating financial //strength of the foreign


No                No               No               No             Not Available   No


No                No               No               No             Not Available   No


No                No               No               No             Not Available   No


No                Yes              No               No             Not Available   No


              1                1                1                1 Not Available                   1
No                  No                  Yes              No                  Yes                 Yes


                                            Not Applicable              0.1 0.20
Not Applicable Not Applicable Nationwide Commercial Bank 0.10, Local Bank 0.15 Approval is required for any additional a


Yes                 Yes                 Yes              Yes                 Yes                 Yes


               1                                                 1            0.2 0.20
                                    1 Nationwide Commercial Bank 10%, Local Bank 15% of voting rights


No                  No                  Yes              No                  No                  Yes


Yes                 Yes                 Yes              Yes                 Yes                 Yes


Yes                 Yes                 Yes              Yes                 Yes                 Yes


Permitted           Permitted           Restricted       Permitted           Restricted          Restricted


                9 are owned                   0                 0 Not conglomerates
Out of 10 banks,Not Available by commercial/industrial and/or financialAvailable Not Available


Permitted           Permitted           Restricted       Permitted           Restricted          Permitted


            0.648               0.891            0.688               0.431                0.77 Not Available


            0.636               0.894            0.692               0.532                0.73 Not Available


               1                 0.99 Not Available                     1                 0.91 Not Available




             0.08                 0.1 Not Available                   0.08                 0.1                0.08


Yes                 Yes                 Yes              Yes                 Yes                 Yes


Yes                 Yes                 No               Yes                 No                  No


Yes                 Yes                 No               Yes                 No                  No
No                  No               No                No            No              No


Not Available       No               No                No            No              Yes


Not Available       Not Applicable Not Applicable Not Applicable Not Applicable 5%, but is being discontinued. Only two ECC


          0.105             0.1229 Not Available             0.117            0.134 Not Available


Not Available                0.095 13.0%(tier1:9.32%)        0.082            0.133 Not Available


Yes                 Yes              Yes               Yes           Yes             Yes


No                  No               No                No            No              No


                              0.5 It is not stupulated in to regulation.
                                                                 0.5            and certain to 20% of tier I Tier II
The general capital revaluation adjustments in relation thecomponents of Tier I 0.5 Limited components of capital.and 45% of th




          0.182                  0          0.188               0               0.49 Not Available


          0.194              0.295         0.5563            0.102              0.12 Not Available


                2                0                 3            0                12 Not Available


                9               20                 3           87                11 Not Available


No                  Yes              No                Yes           Not Available   Yes


No                  Yes              Yes               Yes           Not Available   Yes


No                  Yes              No                Yes           Not Available   Yes


Yes                 Yes              No                Yes           Yes             Yes


No                  No               No                No            Not Available   No
Not Available                   0           0.0907                  0                 0.54 Not Available


Not Available               0.309           0.6872               0.036                  0.1 Not Available


Not Available   Not Available               0.1425                  0                 0.39 Not Available


Not Available                0.31           0.5761               0.083                0.12 Not Available




Unrestricted    Permitted           Permitted        Unrestricted        Unrestricted      Unrestricted


Prohibited      Restricted          Permitted        Restricted          Prohibited        Prohibited


Restricted      Restricted          Restricted       Unrestricted        Prohibited        Prohibited


Permitted       Permitted           Permitted        Permitted           Not Available     Permitted




Yes             Yes                 Yes              Yes                 Yes               Yes


Yes             Yes                 Yes              Yes                 Yes               Yes


Yes             No                  Yes              Yes                 Yes               Yes


Yes             Yes                 No               Yes                 Yes               Yes


Yes             Yes                 Yes              Yes                 Yes               Yes


Yes             Yes                 Yes              Yes                 Yes               Yes


Yes             Yes                 Yes              Yes                 Yes               Yes


Yes             Yes                 No               Yes                 Not Available     Yes
Yes              Yes              No                Yes              Not Available    Yes


Yes              Yes              Yes               Yes              Not Available    No


No               No               Yes               No               Not Available    Not Applicable




Yes              Yes              Yes               Yes              Not Available    Yes


Yes              Yes              No                No               Not Available    Not Available




Yes              No               Yes               No               No               No


Yes              Yes              Yes               Yes              Yes              Yes


               25% of qualifying capital
25% or 20% of regulatory capital Not Available                     30%
                                                    25 % of the RRPP of capital funds             0.25


No               No               No                No               No               No


No               No               No                No               No               No


No               No               No                No               Not Available    No


Yes              Yes              Yes               Yes              Yes              Yes


                   Liquid reserves = 5% of liabilities 2% capital //and base funding.//Cash total deposit liabilities. This2,5% of de/
                                    Not Applicable less               10% of            6% of deposits at central bank = excludes
2% of liabilities with original maturity up to 2 //years of the deposit group deposit liabilities of commercial banks, //denominated


Yes              No               No                Yes              No               No


              Not Applicable Not Applicable Average rate in the Eurosystem Not Applicable
1% remuneration p.a.                                         Not Applicable


Yes              No               No                No               No               No
Not Available       Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


Yes                 No               Yes             No               No                No


                 Not Applicable Not Applicable Not Applicable Not Applicable in Applicable
at least 30% of the monthly average of total (unweighted) onbalancesheet liabilitiesNotthe second category for foreign currency


             0.41            0.087           0.091            0.063 Not Available       Not Available


            0.431            0.033           0.094            0.077 Not Available       Not Available


            0.211            0.054 no data                    0.046 Not Available       Not Available


            0.554             0.81           0.659           0.5005             0.72 Not Available


            0.246                0           0.313           0.2148                 0                   0




Yes                 No               Yes             Yes              No                No


the banks           Not Applicable both              The banks        Not Applicable Not Applicable


No                  Not Applicable Yes               Yes              Not Applicable Not Applicable


No                  Not Applicable No                No               Not Applicable Not Applicable


Not Applicable Not Applicable                0.001            0.003 Not Applicable Not Applicable


Not Available       Not Applicable Not Available     Not Available    Not Applicable Not Applicable


5.1 million SIT Not Applicable Not Available         20.000€ Per depositor
                                                                    Not Applicable Not Applicable


Yes                 Not Applicable Yes               Yes              Not Applicable Not Applicable


5.1 million SIT Not Applicable 50,000,000 won 20000 euros             Not Applicable Not Applicable
No                  Not Applicable Not Available       No             Not Applicable Not Applicable


Yes                 Not Applicable No                  Yes            Not Applicable Not Applicable


No                  Not Applicable No                  No             Not Applicable Not Applicable


Yes                 Not Applicable No                  No             Not Applicable Not Applicable


Not Applicable Not Applicable FSC, FSS                                Not The Bank Not Applicable
                                                       The Bank of Spain =Applicable Supervisory Authority


Yes                 Not Applicable No                  No             Not Applicable Not Applicable


Not Available                    1 Not Available                0.146 Not Available                   0


                0               18                 3                1 Not Available                   0


                0                0 Not Available                    0 Not Available                   0


Not Available       Not Applicable Yes                 Yes            Not Applicable Not Applicable


Not Available       Not Applicable Not Available                       Not Applicable Not law.
                                                       3 months is the maximum allowed byApplicable


Not Available       Not Applicable Not Available                       Not Applicable Not law.
                                                       3 months is the maximum allowed byApplicable


Not Available       Yes              No                No             Not Available   Not Available


Yes                 Not Applicable Yes                 Yes            Not Applicable Not Applicable


No                  Not Applicable Yes                 Yes            Not Applicable Not Applicable


No                  Not Applicable No                  No             Not Applicable Not Applicable


No                  Not Applicable No                  No             Not Applicable Not Applicable


No                  Not Applicable No                  Yes            Not Applicable Not Applicable
Yes               Not Applicable Yes                   No            Not Applicable Not Applicable


Yes               Not Applicable Yes                   Yes           Not Applicable Not Applicable




No                Yes              Yes                 Yes           Yes               Yes


Yes               Yes              Yes                 Yes           Yes               Yes


Yes               No               Not Available       No            No                Yes


No                No               Not Available       No            No                Yes


                              90
often until 90 , sometimes until 180           90 The category does not exist.180                  90


                             180
often until 180 , sometimes until 365         180               90              360               180


often 180                    365              360             720               540               365


             15              0.2               0.2 The category does not exist. 0.2                0.1


             40                                           0.045             0.5
                             0.5 lone to corporate:50%, households:55%, credit card: 60%           0.5


              1                1                   1             1                 1                   1


          0.048          0.0146            0.0098            0.004             0.04 Not Available


No                Yes              Yes                 No            Yes               No


        0.0245             0.025           0.0281            0.015             0.04 Not Available


        0.0254              0.04           0.0135            0.012 Not Available       Not Available


                 Specific provisions Available They
                                  Not                         specific reserves
                                                                              Provisions cannot be
Specific provisions can be deductedcan be deducted can deductSpecific provisions can be deducted deducted
           0.25                0.29            0.25            0.35            0.325 Not Available


           0.25                0.29            0.25            0.35               0.2 Not Available




Yes                 Yes               Yes             Yes             Yes              Yes


No                  No                No              No              Yes              No


            90                                                   90
                               181 14 for corporates, 3 for consumers             90               90


Yes                 Yes               Yes             Yes             No               No


Yes                 Yes               Yes             Yes             Yes              Yes


Yes                 Yes               Yes             Yes             Yes              No


                                                                   Rs. 411 %
                                 1,266,403 billion 1677 millones de € (0,09 bn del activo)
2,704 billion SIT $407bn ($ = R7.00)               won                              EC$1,521.4m


Yes                 Yes               Yes             Yes             Yes              No


Yes                 Yes               Yes             Yes             Yes              Yes


Not Available                       Not Applicable Administrative penalties and in extreme cases criminal prosecution to impriso
                    Imprisonment.//Fines.                          Not Available Fine not exceeding $15,000.00 or


No                  No                No              No              Not Available    No


Not Applicable Not Applicable Not Applicable Not Applicable Not Available              Not Applicable


No                  No                No              No              Yes              No


                6               10               10              10 Not Available      Not Available


                0                 3              10               0 Not Available      Not Available
No            Yes             Yes             Yes             Not Available    No


No            Yes             No              Yes             Not Available    No


No            No              No              Yes             Not Available    No




Yes           No              No              Yes             No               Yes


No            No              Yes             No              Yes              No


Yes           Yes             No              Yes             Yes              Yes


Yes           No              Yes             Yes             Yes              Yes


No            No              Yes             No              No               Yes


Yes           No              Yes             No              No               Yes


No            No              No              No              Not Available    Yes


Banking Act                  Banking Act, Act, 1973.//Insolvency Act, 1936. of The Banking Act in existence within each //p
                                             on the structual Banking Act
                                                              improvement //the financial nidustry, Act // Debtor Worko
              Banks Act, 1990.//CompaniesActTHE BANK INSOLVENCY IS REGULATED FOR THE LAW onby GENERAL


No            No              No              Yes             No               No


Yes           No              No              No              No               No


Yes           Yes             Yes             Yes             Yes              Yes


No            No              No              No              No               No


No            No              No              No              No               No


No            No              No              No              No               No
 case of voluntary liquidation.


              Yes                 Yes     Yes   Yes   Yes   No


              No                  Yes     No    Yes   Yes   Yes


              No                  No      No    No    No    No


              No                  No      No    No    No    No


              No                  No      No    No    No    No


with the banking commission


              Yes                 Yes     Yes   Yes   Yes   No


              Yes                 Yes     Yes   Yes   No    Yes


              No                  Yes     No    Yes   Yes   Yes


              No                  No      No    Yes   No    No


              No                  No      No    No    No    No


              No                  No      No    No    No    No


 nsultation with the banking commission


              Yes                 Yes     Yes   Yes   Yes   Yes


              No                  No      No    Yes   Yes   Yes


              No                  No      No    No    No    No


              No                  No      No    No    No    No
No    No    No          No    No    No




Yes   Yes   Yes         Yes   Yes   Yes


No    No    No          Yes   Yes   Yes


No    No    No          No    No    No


No    No    No          No    No    No


No    No    No          No    No    No




No    Yes         Yes   Yes   Yes   Yes


No    No          No    No    Yes   Yes


No    No          No    No    No    No


No    No          No    No    No    No


No    No          No    No    No    No




No    No          No    No    No    No


No    No          No    No    No    No


No    No          No    No    No    No


No    No          No    No    No    No
No                  No                        No            Yes                 No                  No


                                                            The state can do by including the cost in the budget, as long as it does not co


                1                 13                    0                   1                   1                 0


           0.01              0.006 Not Available                    0.0001 Not Available                          0


Not Available                       0 Not Available                         1 Not Available                       0


Not Available                       0 Not Available                 0.0001 Not Available                          0


Not Available                       8              0.06                     0 Not Available                       0


Not Available                0.051 Not Available            Not Available       Not Available                     0


Not Available       Not Available       Not Available       Not Available       Not Available                     0


Not Available       1224 months         Not Available                       0 Not Available         Not Applicable


Yes                 No                  No                  Yes                 Yes                 No


Yes                 Yes                 Yes                 Yes                 No                  Yes


No                  No                  No                  Yes                 No                  No


No                  No                  No                  No                  No                  No


No                  No                  No                  No                  No                  Yes


                                                                                                    Minister of Finance


No                  No                  No                  No                  No                  No


Yes                 Yes                 Yes                 No                  Yes                 Yes
Yes             Yes           Yes             Yes              Yes             Yes


Not Available               0 Not Available                0               1              0




Yes             Yes           Yes             Yes              Yes             Yes


No              No            No              No               No              No


No              No            Yes             No               No              No


No              No            No              No               No              No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


No              Yes           Not Available   No               Yes             No


                              Not Available
Not Applicable Bank Supervision Department                                   Not Applicable
                                              Not Applicable Central Bank of Sri Lanka


No              No            Not Available   No               No              No


No              Yes           Not Available   No               No              Yes


Yes             No            Not Available   No               Yes             No


No              No            Not Available   No               No              No


No              No            Yes             Yes              Yes             No


No              Yes           No              No               No              Yes


Yes             No            No              No               No              No


No              No            No              No               No              No
No                 No              No               No              No               No


Yes                No              Yes              Yes             Yes              Yes


               Not Applicable 3 years            6 years
6 years Governor, 4 Director of Banking Supervision Dept.           6 years          5 Years


No                 No              Not Available    No              Yes              No


No                 Yes             Not Available    No              No               Yes


Yes                No              Not Available    No              No               No


No                 No              Not Available    No              No               No


No                 No              Not Available    No              No               Yes




Yes                Yes             Yes              Yes             Yes              No


Yes                Yes             Yes              Yes             Yes              Not Applicable


Yes                Yes             Yes              Yes             No               Not Applicable


Yes                Yes             Yes              Yes             No               Not Applicable


              62              70              142             300                 58 Not Available


5 (at least 1 per year)                                        2 Not Available Not Available
                              4 52 times('02~'06 year, including only commercial banks and specialized banks)


                $8,2m ($ = for banking supervision Available
                                234,400,000,000Not
There is no separate budgetR7.00)                won                Rs. 91.5 mn      Not Available


                banks and savings banks (theThe Central Bank entral Bank of Sri to the
                                1)Required     central from C                     Not Available
Fees charged to South African Reserve Bankcontributionsbank).the institutions subjectLanka examination by //the FSS('Supervi


Annually           Annually        Every two years Not Available    Every two years Less frequently
            19             18 Not Available      50% of the total                7 Not Available


Not Available               6               14                10 Not Available     Not Available


Yes                 Yes         Yes              Yes                Yes            Yes


Yes                 Yes         Not Available    Yes                No             Yes


               Head of Bank Supervision
                              Not Available
The Governing Board of the Bank of Slovenia      BANK OF SPAINMonetary Board The minister on the recommendation of the


                0           0 Not Available                    0 Not Applicable Not Available


No                  No          Yes              No                 No             No


Yes                 No          Yes              Yes                No             No
St. Lucia                       the Grenadines
                St. Vincent and Suriname      Sweden                 Switzerland        Syrian Arab Republic




                 Finance of each Finance of each Finansinspektionen (FI)that form Not Eastern Caribbean are ultimately respo
                                  of the eight of Trade and Finance Eastern Caribbean Commission
                                                    of the that //territories
                                                                      the            the Available
The Ministers of The Ministers of The ministry//territories eightform Swiss Federal Banking //Currency Union//Currency Union are


No              No               No                No                No                 No


Yes             Yes              No                Yes               Yes                No


               Not are separate regulations and regulations andBanking and securities for commercial banking, securities a
                               Not are separate              9 licencing commercial
                                                                               Not Applicable
Not Available There Available There Applicable licencing requirements forrequirementsbanking, securities and insurance act


Not Available   Not Available                  8                31                  342 Not Available

                                 US$                                                    117859037500
Not Available   Not Available                      5376 B SEK        2745 bn CHF
                                 804.075.899                                            0syp

                                 US$                                                    467681776000
Not Available   Not Available                      1231 B SEK        2100 bn CHF
                                 689.117.986                                            syp

                                 US$
Not Available   Not Available                      2726 B SEK        1025 bn CHF        170119606 syp
                                 330.058.993

EC$5.0m /       EC$5.0m /                                            ~ 8 millions
                                 US$ 2.000.000 5 Million Euro                           30 000 000 $
US$1.852m       US$1.852m                                            USD

EC$5.0m /       EC$5.0m /                                            ~ 8 millions
                                 US$ 2.000.000 Not Available                            Not Available
US$1.852m       US$1.852m                                            USD
Assigned        Assigned
capital of      capital of       US$ 2.000.000 Not Available         Not Available      Not Available
EC$5.0m /       EC$5.0m /

Yes             Yes              Yes               No                Yes                Yes


Yes             Yes              Yes               No                Yes                Yes


No              No               No                No                Yes                No


No              No               No                Not Available     No                 No


Yes             Yes              Yes               Yes               Yes                Yes
Yes             Yes             Yes       Yes       Yes        Yes


Yes             Yes             Yes       Yes       Yes        Yes


Yes             Yes             Yes       Yes       Yes        Yes


Yes             Yes             Yes       Yes       Yes        Yes


Yes             Yes             Yes       Yes       Yes        Yes


Yes             Yes             Yes       No        Yes        Yes


Yes             Yes             Yes       No        Yes        Yes


Not Available   Not Available         1         5         16         9


Not Available   Not Available         0         0         1          0


Not Available   Not Available         1         5         14         0


Not Available   Not Available         0         0         1          9


Not Available   Not Available         1         0         55         21


Not Available   Not Available         0         0         0          0


Not Available   Not Available         0         0         8          0


Not Available   Not Available         0         0         0          0


Not Available   Not Available         0         0         1          0


Not Available   Not Available         0         0         18         0


Not Available   Not Available         0         0         0          0
Not Available       Not Available                    0              0              1              0


Not Available       Not Available                    1              0             14              0


Not Available       Not Available                    0              0              0              0


Not Available       Not Available                    0              0              1              0


Not Available       Not Available                    0              0             15             21


Not Available       Not Available                    0              0              0              0


Not Available       Not Available                    0              0              3              0


Not Available       Not Available       Not Applicable Not Applicable Not Applicable Not Applicable


Not Available       Not Available       Not Applicable Not Applicable Not Applicable Not Applicable


Not Available       Not Available       Not Applicable Not Applicable Not Applicable Not Applicable


Not Available       Not Available       Not Applicable Not Applicable Not Applicable Not Applicable


Not Available       Not Available       Not Applicable Not Applicable Not Applicable Not Applicable


No                  No                  No               No             No             Yes


No                  No                  No               No             No             Yes


No                  No                  Yes              No             No             Yes


No                  No                  No               No             No             No


                1                   1                1              1              1 Not Applicable
Yes                 Yes                 No                  No                  No               Yes


                 required for any additional amount.
                                  required for any additional amount.
0.20 Approval is 0.20 Approval is Not Applicable Not Applicable Not Applicable 0.05 natural person


Yes                 Yes                 Yes                 Yes                 No               Yes


                  0.20
0.20 of voting rights of voting rights                 1 No fixed levels Not Applicable                       0.05


Yes                 Yes                 No                  Not Available       Not Applicable Yes


Yes                 Yes                 Yes                 Yes                 Yes              Yes


Yes                 Yes                 Yes                 Yes                 Yes              Yes


Restricted          Restricted          Prohibited          Permitted           Unrestricted     Restricted


Not Available       Not Available       Not Applicable                    0.9 Not Available      no one yet is owned by non financial entities


Permitted           Permitted           Prohibited          Permitted           Permitted        Restricted


Not Available       Not Available                    0.94               0.922           0.7412                0.99


Not Available       Not Available                    0.95               0.964           0.7511                0.99


Not Available       Not Available                    0.96                0.84           0.9598                0.99




             0.08                0.08                0.08                0.08               0.08 Not Available


Yes                 Yes                 Yes                 Yes                 Yes              Yes


No                  No                  Yes                 No                  Yes              No


No                  No                  No                  Yes                 Yes              No
No               No               No                 No                No              No


Yes              Yes              No                 No                No              No


                 discontinued. Only two ECCU territories currently Not Applicable have this requirement.
                                  discontinued. Not Applicable have this requirement.
5%, but is being 5%, but is being Not ApplicableOnly two ECCU territories currently Not Applicable


Not Available    Not Available               0.103 Not Available               0.1229 Not Available


Not Available    Not Available               0.082 Not Available               0.1316 is not calculated


Yes              Yes              Yes                Yes               Yes             Yes


No               No               No                 No                No              No


                Limited to 20%                    0.4                At II present moment nothing. FI
                                                                                        Not Available
Limited to 20% of tier I capital. of tier I capital. Only allowed as tierthecapital after approval from With the introduction of 'Bas




Not Available    Not Available                0.14                 0           0.1156 Not Available


Not Available    Not Available                0.24                 0           0.0863 Not Available


Not Available    Not Available                   3                 0               33 Not Available


Not Available    Not Available                   1                 0              150 Not Available


Yes              Yes              Yes                No                Not Available   Not Available


Yes              Yes              No                 No                Yes             Not Available


Yes              Yes              No                 No                Yes             Not Available


Yes              Yes              Yes                Yes               Yes             Yes


No               No               Yes                No                Yes             No
Not Available   Not Available                0.12                  0               0.114 Not Available


Not Available   Not Available                0.25                  0               0.513 Not Available


Not Available   Not Available                0.18                  0               0.261 Not Available


Not Available   Not Available                0.23                  0               0.465 Not Available




Unrestricted    Unrestricted    Restricted          Unrestricted       Unrestricted      Unrestricted


Prohibited      Prohibited      Restricted          Restricted         Prohibited        Restricted


Prohibited      Prohibited      Unrestricted        Prohibited         Unrestricted      Prohibited


Permitted       Permitted       Unrestricted        Permitted          Permitted         Restricted




Yes             Yes             Yes                 Yes                Yes               Yes


Yes             Yes             Yes                 Yes                Yes               Yes


Yes             Yes             No                  Yes                Yes               Yes


Yes             Yes             No                  Yes                Yes               Yes


Yes             Yes             Yes                 Yes                Yes               Yes


Yes             Yes             Yes                 Yes                Yes               Yes


Yes             Yes             No                  No                 Yes               Yes


Yes             Yes             No                  Yes                Yes               Yes
Yes               Yes             No               Yes              Yes               Yes


No                No              No               No               Yes               Yes


Not Applicable Not Applicable No                   No               Yes               No




Yes               Yes             No               No               Yes               Yes


Not Available     Not Available   Not Applicable Not Applicable Yes                   No




No                No              No               No               Yes               Yes


Yes               Yes             Yes              Yes              Yes               Yes


           0.25                                   25 percent      The risk weighted position my
                             0.25 15% of regulatory capital of the capital base Not Available not exceed 25% of the eligible


No                No              No               No               No                No


No                No              No               No               No                No


No                No              No               No               No                Yes


Yes               Yes             Yes              Yes              No                Yes


                6% of total deposit liabilities. depositsCentral Bank may licenced deposit taking institutions. //This requiremen
                                      excludes //deposits
                                                       excludes //deposits Applicableinstitutions. //This + 5%of deposits
                                                                      Not by taking 20 % of capital requirement is calculated ba
6% of total deposit liabilities. This27% of their ThisThe by licenced depositas a monetary policy //decicion demand financial instit


No                No              No               Not Available    No                No


                                                            Not Applicable Not the Central
Not Applicable Not Applicable Not Applicable In accordance with decicion made by Applicable //Bank. It can be with or with


No                No              Yes              Yes              No                Yes
Not Applicable Not Applicable no ratio                  Not Available     Not Applicable 5%of deposits


No                  No                  Yes             No                No                Yes


Not Applicable Not Applicable            0.333333333 Not Applicable. Not Applicable                    0.05


Not Available       Not Available                0.48 Not Available               0.6212 Not Available


Not Available       Not Available                0.53 Not Available               0.6425 Not Available


Not Available       Not Available                0.08            0.021            0.0067                    0


Not Available       Not Available               0.862              0.23               0.711 Not Available


                0                   0               0            0.011 Not Available                        0




No                  No                  No              Yes               Yes               No


Not Applicable Not Applicable Not Applicable Not Available                the banks         Not Applicable


Not Applicable Not Applicable Not Applicable Yes                          No                Not Applicable


Not Applicable Not Applicable Not Applicable No                           No                Not Applicable


Not Applicable Not Applicable Not Applicable                     0.001 Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable 34 247 USD                   Not Available     Not Applicable


Not Applicable Not Applicable Not Applicable 250 000 SEK                  CHF 30'000        Not Applicable


Not Applicable Not Applicable Not Applicable Yes                          Yes               Not Applicable


Not Applicable Not Applicable Not Applicable 250 000 SEK                  CHF 30'000        Not Applicable
Not Applicable Not Applicable Not Applicable No                               No               Not Applicable


Not Applicable Not Applicable Not Applicable Yes                              Yes              Not Applicable


Not Applicable Not Applicable Not Applicable Not Available                    No               Not Applicable


Not Applicable Not Applicable Not Applicable No                               Yes              Not Applicable


Not Applicable Not Applicable Not Applicable Not Available                    Not Applicable Not Applicable


Not Applicable Not Applicable Not Applicable No                               No               Not Applicable


                0                   0                   0 Not Available                 0.54 Not Available


                0                   0                   0                 0                0                 0


                0                   0                   0                 0                0                 0


Not Applicable Not Applicable Not Applicable Not Available                    Yes              Not Applicable


Not Applicable Not Applicable Not Applicable Not Available                    max. 3 months Not Applicable


Not Applicable Not Applicable Not Applicable Not Available                    No case          Not Applicable


Not Available       Not Available       Not Available       No                Yes              No


Not Applicable Not Applicable Not Applicable No                               Yes              Not Applicable


Not Applicable Not Applicable Not Applicable No                               Yes              Not Applicable


Not Applicable Not Applicable Not Applicable No                               No               Not Applicable


Not Applicable Not Applicable Not Applicable No                               No               Not Applicable


Not Applicable Not Applicable Not Applicable No                               Yes              Not Applicable
Not Applicable Not Applicable Not Applicable Yes                     No               Not Applicable


Not Applicable Not Applicable Not Applicable Yes                     Yes              Not Applicable




Yes                 Yes                 Yes           No             Yes              Yes


Yes                 Yes                 Yes           No             Yes              Yes


Yes                 Yes                 No            No             Yes              Yes


Yes                 Yes                 No            Yes            No               No


            90                  90              90 Not Available                90                90


           180                 180             180              90              90               180


           365                 365             360 Not Available                90               180


            0.1                 0.1             0.2 Not Available                 1               0.2


            0.5                 0.5                                               1            0.5
                                                0.5 The difference between the discounted estimated future cash flow and the loa


                1                   1                                            1              1
                                                 1 The difference between the discounted estimated future cash flow and the loa


Not Available       Not Available             0.099         0.0008          0.0038              0.06


No                  No                  No            No             Yes              Yes


Not Available       Not Available              0.05         0.0081          0.0079             0.015


Not Available       Not Available              0.04         0.0088          0.0141            0.0015


               Provisions cannot be deducted Not Available Specific provisions can be deducted
Provisions cannot be deducted General provisions can be deducted            Not Available
Not Available     Not Available              0.36            0.28 0.3 to 0.4                    0.25


Not Available     Not Available              0.36            0.28 0.3 to 0.4                    0.25




Yes               Yes              Yes              Yes              Yes             Yes


No                No               No               Yes              No              No


             90               90              90 When the loan i written off    90               90


No                No               Yes              Yes              Yes             Yes


Yes               Yes              Yes              Yes              Yes             Yes


No                No               No               Yes              Yes             Yes


EC$1,521.4m       EC$1,521.4m      US$ 15.610.791Not Available       492'616 m CHF 570186596000syp


No                No               No               Yes              Yes             Yes


Yes               Yes              Yes              Yes              No              Yes


                Fine not exceeding imprisonment //for a term not Not Applicable years or to both //such or to and imprisonment
                                Fine//Imprisonement to pay damages or penalty exceeding two years fine both //such fine a
                                               Liable            exceeding two depending on
Fine not exceeding $15,000.00 or to$15,000.00 or to imprisonment //for a term not Not Applicable //intention with misleading inf


No                No               No               No               Not Applicable No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


No                No               No               No               No              Not Available


Not Available     Not Available                 0                4               7                   0


Not Available     Not Available                 0                0               0                   0
No             No              No              Yes             Yes             Not Available


No             No              No              Yes             Yes             Not Available


No             No              No              No              Not Available   Not Available




Yes            Yes             No              No              Yes             Yes


No             No              No              No              No              Yes


Yes            Yes             Yes             No              Yes             Yes


Yes            Yes             Yes             Yes             Yes             Yes


Yes            Yes             Yes             Not Available   Yes             Yes


Yes            Yes             Yes             Not Available   Yes             Yes


Yes            Yes             No              No              No              Yes


                in existence ActBank act//Supervision act
                                 in each //particular territory
                                                  Utsökningsbalken (1981:774), Act Available
                                                                 Swiss Banking Not
The Banking ActThe Banking within existence within each //particular territory Konkurslag //(1987:672) Lag (2004:297) om ba


No             No              No              No              Yes             No


No             No              No              No              Yes             No


Yes            Yes             Yes             Yes             Yes             Yes


No             No              No              No              No              No


No             No              No              No              No              No


No             No              No              No              No              No
No    No    No    Yes             Yes   Yes


Yes   Yes   Yes   No              Yes   No


No    No    No    No              No    No


No    No    No    No              No    No


No    No    No    No              No    No




No    No    No    No              Yes   Yes


Yes   Yes   No    No              Yes   Yes


Yes   Yes   Yes   Yes             Yes   No


No    No    No    No              No    No


No    No    No    No              No    No


No    No    No    No              No    Yes


                                        finance of ministry


Yes   Yes   No    Not Available   Yes   Yes


Yes   Yes   Yes   Not Available   Yes   No


No    No    No    Not Available   No    No


No    No    No    Not Available   No    No
No    No    No    Not Available   No               No


                                                   finance of ministry


Yes   Yes   No    Yes             Yes              Yes


Yes   Yes   Yes   No              Yes              No


No    No    No    No              No               No


No    No    No    No              No               No


No    No    No    Yes             No               No


                                                   finance of ministry
                  Bord of directors, Annual meeting of shareholders


Yes   Yes   No    Yes             No               Yes


Yes   Yes   Yes   No              No               No


No    No    No    No              No               No


No    No    No    No              No               No


No    No    No    No              No               No




No    No    No    No              No               Yes


No    No    Yes   No              No               Yes


No    No    No    No              No               No


No    No    No    No              No               No
             No                 No               No                No                  No                  No


st in the budget, as long as it does not contradict EU law.


                            0                0                 0                   0                   2                   0


                            0                0                 0                   0 < 1%                                  0


                            0                0                 0                   1                   0                   0


                            0                0                 0 0,001                                 0                   0


                            0                0                 0                   0                   2                   0


                            0                0                 0                   0 < 1%                                  0


                            0                0 Not Available       Not Available       Not Available       Not Available


             Not Applicable Not Applicable Not Applicable 9 months                     Not Available       Not Available


             No                 No               No                No                  Yes                 Yes


             Yes                Yes              Yes               Yes                 No                  No


             No                 No               No                No                  No                  No


             No                 No               No                No                  No                  No


             Yes                Yes              No                No                  No                  No


                              Minister of Finance
             Minister of Finance


             No                 No               Yes               No                  No                  No


             Yes                Yes              Yes               Yes                 No                  No
Yes              Yes            Yes           No             No             No


             0              0               0 Not Applicable Not Applicable Not Applicable




Yes              Yes            Yes           No             No             Yes


No               No             No            Yes            Yes            No


No               No             No            No             No             No


No               No             No            Yes            No             No


                                                             Not Applicable Not Applicable
Not Applicable Not Applicable Not Applicable Finansinspektionen (FI)


No               No             No            Yes            Yes            Yes


                                                             SFBC
Not Applicable Not Applicable Not Applicable Finansinspektionen (FI)        Central bank


No               No             No            No             No             No


Yes              Yes            Yes           Yes            Yes            No


No               No             No            No             No             No


No               No             No            No             No             Yes


No               No             No            No             Yes            No


Yes              Yes            Yes           No             No             No


No               No             No            No             No             No


No               No             No            No             No             No
No              No              No                  Yes              No               Yes


Yes             Yes             No                  Yes              No               No


5 Years         5 Years         Not Applicable 6 years               Not Applicable Not Applicable


No              No              No                  No               Yes              No


Yes             Yes             Yes                 No               No               No


No              No              No                  No               No               No


No              No              No                  No               No               No


Yes             Yes             No                  Yes              No               Yes




No              No              No                  Yes              Yes              Yes


Not Applicable Not Applicable Not Applicable Yes                     Yes              Yes


Not Applicable Not Applicable Not Applicable Yes                     Yes              No


Not Applicable Not Applicable Not Applicable No                      Yes              No


Not Available   Not Available                   6              170              132              65


Not Available   Not Available                   2               28 1 2 per year                  20


Not Available   Not Available   Not Available       176 million SEK 35 m CHF          50159718 syp


Not Available   Not Available   Central Bank                        Banks and Securities The Minsitry of Finance
                                                                                        banks
                                                    From the financial institutions, through Firms


Less frequently Less frequently Every two years Annually             Annually         Annually
Not Available   Not Available                1               80               45                   5


Not Available   Not Available                5 Not Available                  10 it is a knew Department (just five experienc


Yes             Yes             Yes              Yes              Yes              Yes


Yes             Yes             No               No               Yes              Yes


                The minister on the Applicable Not of the Central Bank
                                Not of the Central Bank
The minister on the recommendationrecommendation formalized Not Available          Not Available


Not Available   Not Available   Not Applicable Not Available      Not Available    Not Available


No              No              No               No               No               Yes


No              No              No               Not Available    No               Yes
Taiwan, China Tajikistan             Tanzania         Thailand        Togo            Trinidad and Tobago




                National bank of BANK OF TANZANIA (CENTRAL BANK)
Financial Supervisory Commission Tajikistan                   The Finance Ministry, CENTRAL BANK OF TRINIDAD & and
                                                                             THE after consultation with the
                                             Ministry of Finance by Recommendation of Bank of //Thailand BCEAO TOB


Yes               No                 No               No              No              No


Yes               Yes                No               No              No              No


                                 FX and trust
4 licenses: banking, securities, 5 Not Applicable Not Applicable Not Applicable Not Applicable


             42                 12               26               34 Not Available                    6

NTD26,494         939 926 097        TZS 4,119
                                                      7,987Bil.Baht   Not Available         59133707
billion           somoni             billion

NTD 20,652        537 936 699        TZS 3,463
                                                      6,114Bil.Baht   Not Available         34306111
billion           somoni             billion

NTD 16,073        478 389 326        TZS 1,392
                                                      5,463Bil.Baht   Not Available         28296917
billion           somoni             billion

                                     TZS 5,000
NTD 10 billion    $ 5 000 000                         5,000 Mil.Baht 1 md FCFA        15 ,000,000 TT
                                     million

                                     TZS 5,000
NTD 10 billion    $ 5 000 000                         4,000 Mil.Baht 1 md FCFA        15,000,000 TT
                                     million

NTD 150                                               assets:no less
                  $ 5 000 000        Not Available                    Not Available   Not Available
million                                               than 3 Bil.Baht

Yes               Yes                Yes              Yes             Yes             Yes


Yes               Yes                Yes              Yes             Yes             Yes


No                Yes                No               No              Yes             No


Yes               No                 No               No              No              Yes


Yes               Yes                Yes              Yes             Yes             Yes
Yes       Yes       Yes       Yes     Yes             Yes


Yes       Yes       Yes       Yes     Yes             Yes


Yes       Yes       Yes       Yes     Yes             Yes


Yes       Yes       Yes       Yes     Yes             Yes


Yes       Yes       Yes       Yes     Yes             Yes


Yes       Yes       Yes       Yes     Yes             Yes


Yes       No        Yes       Yes     Yes             Yes


      0         1         5         8 Not Available         1


      0         1         0         3 Not Available         1


      0         0         4         5 Not Available         0


      0         0         1         0 Not Available         0


      1         4         3         5 Not Available         0


      0         0         1         0 Not Available         0


      0         0         1         0 Not Available         0


      0         0         0         0 Not Available         0


      0         0         0         0 Not Available         0


      0         1         2         1 Not Available         0


      0         0         0         0 Not Available         0
             0                 0                 0                0 Not Available                    0


             1                 1                 0                0 Not Available                    0


             0                 0                 0                0 Not Available                    0


             0                 0                 0                0 Not Available                    0


             0                 2                 1                4 Not Available                    0


             0                 0                 0                0 Not Available                    0


             0                 0                 0                0 Not Available                    0


Not Applicable Not Available       Not Applicable Not Available       Not Applicable Not Available


Not Applicable Not Available       Not Applicable Not Available       Not Applicable Not Available


Not Applicable Not Available       Not Applicable Not Available       Not Applicable Not Available


Not Applicable Not Available       Not Applicable Not Available       Not Applicable Not Available


Not Applicable Not Available       Not Applicable Not Available       Not Applicable APPLICATIONS WERE RECEIVED TO EST


No               No                No                Yes              No                No


No               No                No                Yes              No                No


No               No                Yes               Yes              Yes               Yes


No               No                No                Yes              No                No


             1                 1 Not Available       Not Applicable                 1                1
Yes                 Yes                 Yes                 Yes             No              No


             0.25                   1                                       Not Applicable Not Applicable
                                                      0.2 0.05 of the total amount of a commercial bank's shares sold


Yes                 Yes                 Yes                 Yes             Yes             Yes


             0.25                   1                                                     1 > 0.25 REQUIRE CENTRAL
                                                      0.2 0.05 of the total amount of a commercial bank's shares sold BANK APPRO


Yes                 Not Available       Yes                 Yes             No              Yes


Yes                 Yes                 Yes                 Yes             Yes             Yes


Yes                 Yes                 Yes                 Yes             Yes             Yes


Restricted          Restricted          Restricted          Restricted      Permitted       Permitted


               Not Available Not
62.30% by financial conglometrates Available                3 banks         Not Available           0.4178


Restricted          Not Available       Restricted          Restricted      Permitted       Permitted


        0.3303                   0.51                0.75             0.649 Not Available           0.9872


        0.3634                   0.79                0.69             0.615 Not Available           0.9895


         0.985               0.574                   0.96             0.973 Not Available               0.708




             0.08                                              & RWA           0.08
                                 0.12 RWA to core capital 10%, 0.085 to Total Capital 12%                0.08


Yes                 Yes                 Yes                 Yes             Yes             Yes


Yes                 No                  No                  No              No              Yes


Yes                 No                  No                  No              No              No
No                  No                  No           No          No              No


No                  No                  No           No          No              Not Available


Not Appplicable Not Applicable Not Applicable Not Applicable Not Applicable Not Available


        0.1034                 0.12           0.14         0.142 Not Available           0.1815


Nil                         0.0653            0.13         0.113 Not Available           0.1644


Yes                 Yes                 Yes          Yes         Yes             Yes


No                  Yes                 No           No          No              No


                0                   1           0                                          0.2
                                                            0.45 might be complementary capital probably tier 2 are counted




         0.176               0.097            0.21         0.145 Not Available            0.162


                0            0.047            0.53         0.043 Not Available           0.2473


                4                   1           5              1 Not Available                   1


                0                   1          14              2 Not Available                   2


Not Available       Yes                 No           No          Yes             No


Yes                 Not Available       No           Yes         Yes             No


Yes                 Not Available       No           Yes         Yes             No


No                  Yes                 Yes          Yes         Yes             Yes


Yes                 No                  No           No          No              Yes
        0.1441                0.12                0.19            0.161 Not Available           0.0016


             0               0.036                0.51            0.039 Not Available           0.0027


        0.1791               0.078                0.07            0.164 Not Available           0.0061


             0                   0                0.63            0.045 Not Available           0.0023




Restricted       Prohibited          Unrestricted        Prohibited     Restricted      Unrestricted


Restricted       Prohibited          Permitted           Restricted     Restricted      Prohibited


Prohibited       Permitted           Prohibited          Restricted     Permitted       Prohibited


Restricted       Permitted           Permitted           Restricted     Restricted      Restricted




Yes              Yes                 Yes                 Yes            Yes             Yes


Yes              Yes                 Yes                 Yes            Yes             Yes


Yes              Yes                 Yes                 Yes            No              Yes


Yes              Not Available       No                  Yes            Yes             Yes


Yes              Yes                 Yes                 Yes            Yes             Yes


Yes              Yes                 Yes                 Yes            Yes             Yes


Yes              Yes                 Yes                 Yes            Yes             No


Yes              Not Available       Yes                 Yes            Yes             No
Yes                Not Available   Yes             Yes              Yes              No


Yes                Yes             Yes             Yes              Yes              Yes


Yes                No              No              No               Not Available    No




Yes                Yes             Yes             Yes              Yes              Yes


No                 Yes             Yes             No               Not Available    Yes




Yes                Yes             Yes             No               Yes              No


Yes                Yes             Yes             Yes              Yes              Yes


0.1 of net worth                                  25%               75%
                              0.25 25% of core capital of tier 1 capital of equity   25% SECURED (ONE BORROWER); 32%


Yes                Not Available   No              No               No               No


No                 Not Available   No              No               No               No


No                 No              No              No               No               No


Yes                Yes             Yes             Yes              Yes              Yes


               Reserve hold 1.10%of reserveBanks are of7%;total 2. deposit at Central Bank withbankis held PROFITdepo
                                liquidity      at minimum its Minimum determined part THANreserve in therequrements r
                                                                and hold liquidity reserves this 10% than 6% in the Centra
                                                                                NO by the central minimum of total OF
The banks are required torequerement outstanding balance required todeposits.//(OnlyLESSof of //no lessOF NET country (the v


Yes                Yes             No              No               No               No


                         0.12
1.5% on 55% of Central Bank Not Applicable Not Applicable Not Applicable Not Applicable


No                 Yes             No              Yes              No               No
Not Applicable                0.12 Not Applicable Not Available        Not Applicable Not Applicable


Yes              Yes                 No               No               No              No


                          0.12 Not Applicable Not Applicable at Central Bank.
Banks are required to deposit 0.125% of foeign currency deposits Not Applicable Not Applicable


        0.0256               0.506             0.34            0.113 Not Available             0.2947


        0.0584               0.656             0.36            0.051 Not Available             0.3579


        0.0357           0.0015                0.26            0.073 Not Available             0.0826


        0.9212                0.57             0.84            0.766 Not Available             0.5801


        0.3141 Not Available                   0.12                0                 0 Not Available




Yes              Yes                 Yes              No               No              Yes


both             the banks           both             Not Applicable Not Applicable both


Yes              Yes                 Yes              Not Applicable Not Applicable ex ante and ex post


Yes              Yes                 No               Not Applicable Not Applicable No


        0.0004 Not Available                  0.005 Not Applicable Not Applicable Not Available


        30,400 >700=>70%                       400 Not Applicable Not Applicable Not Available


NTD 1 million    >2500=>70%          TZS 500,000      Not Applicable Not Applicable TT$50,000


Yes              Not Available       No               Not Applicable Not Applicable No


NTD 1 million    Not Available       Not Applicable Not Applicable Not Applicable Not Applicable
No             Yes             No               Not Applicable Not Applicable No


No             Yes             Yes              Not Applicable Not Applicable No


No             No              Yes              Not Applicable Not Applicable No


No             Yes             No               Not Applicable Not Applicable No


                Not Applicable Bank of Tanzania (Central Bank) Not Applicable THE CENTRAL BANK OF TRINIDAD & TOB
Financial Supervisory Commission              Not Applicable


No             Yes             Yes              Not Applicable Not Applicable No


             0 Not Available   Not Available               0.142 Not Available   Not Available


             2 Not Available                   0 6 banks         Not Available   Not Available


             0 Not Available                   0 4 banks         Not Available   Not Available


Yes            Not Available   Yes              Not Applicable Not Applicable Yes


               Not Available 4 paid any       5 days after filingwish compensation.
                                                                 for the
Using P&A transaction do deposits months time when depositors Not Applicable 3 months


               Not Available 4 paid any       30 days after filing for the compensation.
                                                                 wish
Using P&A transaction do deposits months time when depositors Not Applicable Not Available


No             Not Available   Yes              No               Not Available   No


Yes            Not Available   No               Not Applicable Not Applicable Yes


Yes            Not Available   No               Not Applicable Not Applicable No


No             Not Available   No               Not Applicable Not Applicable No


No             No              No               Not Applicable Not Applicable No


No             No              No               Not Applicable Not Applicable No
Yes               Yes               Yes           Not Applicable Not Applicable Yes


Yes               Yes               Yes           Not Applicable Not Applicable Yes




Yes               Yes               Yes           Yes              Yes              Yes


Yes               Yes               Yes           Yes              Yes              Yes


No                Yes               No            No               No               No


Yes               No                Yes           No               No               No


3 months                       30           90               90 30 for the unpaid balance          90


6 months                       60          180              180 180 on the total               120


12 months                   180            270              360 not specified                  180


            0.1 0.05 to 0.30                0.1              0.2 optional           0.05 to 0.20


            0.5             0.75            0.5              0.5                1                  0.5


             1                 1             1                1                 1                   1


       0.0228               0.14           0.02           0.059 Not Available               0.0001


No                Yes               Yes           No               Yes              No


       0.0287            0.0727            0.06           0.028 Not Available       Not Available


       0.0357            0.0989            0.05           0.022 Not Available       Not Available


Yes                                Specific provisions
                                                    Specific provisions
                                                                     specific provisions are provisions
                                                                                      Specific
                  Specific provisions can be deductedcan be deductedcan be deducted deductible can be deducted
No                          0.25              0.3              0.3 Not Available                 0.3


No                          0.25              0.3              0.3 Not Available                 0.3




Yes             Yes                Yes              Yes            Yes              Yes


No              No                 No               No             No               No


6 months                      30               90                                                 90
                                                                90 not specified, mais les intérêts comptabilisés doivent être neu


Yes             Not Available      Yes              Yes            Yes              Yes


Yes             Yes                Yes              Yes            Yes              Yes


Yes             Not Available      Yes              Yes            Yes              No


Yes                                              11,060 Bil.Baht Not Available
                                8 TZS 482,450 million                               Not Available


Yes             Not Available      No               Yes            No               No


Yes             Not Available      Yes              Yes            Yes              Yes


               up to 1%          Suspension or removal from office month to 1 year of imprisionment, and 110 millions Francs
                                                   Fine or Imprisonment.
                                                                    1 of the        $100,000 AND IMPRISONMENT LESS THA
NTD 500,000 - 2.5 million of equity capital or minimal requiment //capital //defaulting director.//Perpetual disqualification from


No              No                 No               No             No               No


Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable


No              No                 No               No             No               No


              9 Not Available                   0                9 Not Available                    3


              9 Not Available                   0                0 Not Available                    0
Yes          No              No          Yes          No              Yes


No           No              No          Yes          No              Yes


No           No              No          No           No              Yes




Yes          Not Available   Yes         Yes          No              Yes


Yes          Not Available   No          Yes          No              No


Yes          Yes             Yes         Yes          Yes             Yes


Yes          Yes             Yes         Yes          Yes             Yes


Yes          No              Yes         Yes          Not Available   No


No           Yes             No          Yes          Yes             No


Yes          No              Yes         Yes          Yes             No


              Bank InsolvencyBANKING AND FINANCIAL Act,A.D.1940 as law2006,//COMPANIES ACT 2002, ACT, 1993
                              Law
Company Law, Insolvency Law, Banking Act               the banking amended.
                                                                       THE FINANCIAL law
                                         Bankruptcy INSTITUTION ACT and the company INSTITUTIONS


No           Yes             No          No           No              No


Yes          No              Yes         No           No              Yes


Yes          Yes             Yes         Yes          No              No


No           No              No          No           No              No


No           No              No          No           No              No


No           No              No          No           Yes             No
                                               The relevant minister in the Finance Ministry, after consultati


             Yes   Yes   Yes   Yes             No               Yes


             No    No    Yes   No              No               No


             No    No    No    No              No               No


             No    No    No    No              No               No


             No    No    No    Yes             Yes              No


                                                the
                               Minister of Finance. appointed minister of finance after consultation with the b


             Yes   Yes   No    No              No               No


             Yes   No    Yes   No              No               Yes


             No    No    Yes   Yes             No               Yes


             No    No    No    No              No               No


             No    No    No    No              No               No


             No    No    No    No              Yes              No


nce of ministry                                The relevant minister in the Finance Ministry, after consultati


             Yes   Yes   Yes   No              Yes              Yes


             No    Yes   Yes   Yes             No               Yes


             No    No    No    No              No               No


             No    No    No    No              No               No
             No    No              No    No             Yes             No


nce of ministry


             Yes   Yes             Yes   No             Yes             Yes


             No    Yes             Yes   Yes            No              Yes


             No    No              No    No             No              No


             No    No              No    No             No              No


             No    No              No    No             No              No


nce of ministry


             Yes   Yes             Yes   No             Yes             No


             No    No              Yes   Yes            No              Yes


             No    No              No    No             No              No


             No    No              No    No             No              No


             No    No              No    No             Yes             No


                                                        The counsel of ministers Thailand's power to
                                         According to Bankruptcy Law,the Bank of of the UMOA region revoke the ban


             Yes   No              No    No             Not Available   No


             No    No              No    No             Not Available   No


             No    Not Available   No    No             Not Available   No


             No    No              No    No             Not Available   No
No                  No                  No                  No                Not Available   No




                0                   5                   0 Not Available       Not Available   Not Available


                0 Not Available                         0 Not Available       Not Available   Not Available


                0 Not Available                         0                   2 Not Available   Not Available


                0 Not Available                         0              0.164 Not Available    Not Available


                2 Not Available                         0                   6 Not Available   Not Available


        0.0045 Not Available                            0              0.192 Not Available    Not Available


Not Available       Not Available       Not Available       Not Available     Not Available   Not Available


Not Available                      Not
                    upon Court decision Available           4 months          Not Available   Not Available


Yes                 No                  Yes                 No                No              Yes


No                  Yes                 Yes                 Yes               No              Yes


No                  No                  No                  No                No              No


No                  No                  No                  No                No              No


No                  No                  No                  Yes               Yes             No


                                                                             the appointed minister of finance
                                                            Minister of Finance has power to appoint the liquidator should commercial //b


No                  No                  No                  No                No              No


No                  Yes                 No                  No                No              Yes
Yes           Yes             Yes          Yes             No             Yes


            0 Not Available              0 Not Available   Not Applicable Not Available




Yes           Yes             Yes          Yes             No             Yes


Yes           No              No           No              Yes            No


No            No              No           No              No             No


Yes           No              No           No              No             Yes


                Not Applicable Not
Financial Supervisory Commission Applicable Not Applicable Not Applicable THE CENTRAL BANK OF TRINIDAD & TOB


Yes           Yes             No           No              Yes            Yes


                National bank of Not
                                 Tajikistan                              THE CENTRAL BANK OF of West Africa
Financial Supervisory Commission Applicable Not Applicable banking commission of the Monetary UnionTRINIDAD & TOB


Yes           No              No           No              No             No


No            No              Yes          Yes             No             Yes


No            Yes             No           No              No             No


No            No              No           No              Yes            No


Yes           Yes             Yes          No              No             Yes


No            No              No           No              No             No


No            No              No           No              No             No


No            No              No           No              No             No
No              No              No              Yes            Yes             No


Yes             Not Available   Yes             No             Yes             Yes


4 Years         Not Available               Not Available
                                5 YEARS (GOVERNOR)                             the BCEAO
                                                               The governor of 5 YEARS presides over the Banking Com


Yes             Yes             Yes             No             No              Yes


No              No              No              No             No              No


No              No              No              No             No              No


No              No              No              No             No              No


No              No              No              Yes            No              No




Yes             Yes             Yes             Yes            Not Available   Yes


Yes             Yes             Not Available   Yes            Not Available   Yes


Yes             No              Not Available   Yes            Not Available   Yes


Yes             No              Not Available   Yes            Not Available   No


                             22              and        380 Not Available
More than 1,600 (including FSC, Central Bank50 Central Deposit Insurance Company)           71


                            2.5                 5                 5 Not Available 2003 & 2004 = conducted onsite examinatio
Average 3 times; the frequency varies in line with the risk of banks, and the high risk banks will be 20; 2005 = 7


                Not Available
NTD 2,183 million for FSC                       339.9 Mil.Baht Not Available
                                TZS 436.51 million                             $13.1 MILLION


               budget and annual supervisory fee collected from bank of
                               BANK OF TANZANIA(CENTRALNot Available THE
                                                Bank of National banks.
The governmentIn determined limit for these purposes by Thailand.BANK) Tajikistan CENTRAL BANK OF TRINIDAD & TOB


Every two years Every two years Annually        Annually       every 2 years   Every two years
around 500                    11            30           324 Not Available              13


about 6 years                     7         10            16 Not Available                  5


Not Available     Yes                 Yes        Yes         Yes             Yes


Yes               Yes                 Yes        Yes         Yes             Yes


                Board of National
                                GOVERNOR High                the banking commission
                                                                            Not Available
Financial Supervisory Commision bank of Tajikistan level management of Bank of Thailand.


                0 Not Available                             Not Available Not Available
                                            0 Not much.(We only waive the small issues)


No                Yes                 No         Yes         No              No


Yes               Yes                 No         Yes         No              Yes
Uganda            United KingdomUnited States Uruguay                    Vanuatu           Venezuela, RB




                               Office Authority The Executive Currenct (OCC) and Individual// favorable opinion of the Centr
                                                                 Reserve it it mustVanuatu (Central Bank)
                                                                                    count with States
Bank of Uganda The Financial Services of the Comptroller of the power, for Bank ofSUPERINTENDENCIA DE BANCOS Y OTR


No                No                  Yes               No               No                No


No                No                  No                No               Yes               No


Not Applicable Not Applicable Not Applicable Not Applicable                              1 Not Applicable


             15                 333              7515                                               12
                                                                   15 4 domestic & 7 international banks

                                                        $
$2,034.46M        £4086 bn            9040 billion      312.115.556.72   Not Available     8.796 MMM
                                                        0,09
                                                        $
$1,431.18M        £2055 bn            6073 billion      231.252.242.99   Not Available     6.886 MMM
                                                        3,42
                                                        $
$693.78M          £2629 bn            5380 billion      84.102.284.830   Not Available     3.275MMM
                                                        ,42
                                      No absolute       130 millones                       Nacional: 16
$2,21M            € 5 Million                           de unidades      VUV200,000        MMM y
                                      minimum
                                                        indexadas, al                      Regional: 8
                                      No absolute                                          Nacional: 16
$2,21M            € 5 Million                           idem             VUV200,000        MMM y
                                      minimum
                                                                                           Regional: 8
                                      No absolute                                          Nacional: 16
Not Available     € 5 Million                           idem             Not Available     MMM y
                                      minimum
                                                                                           Regional: 8

Yes               Yes                 Yes               Yes              Yes               Yes


Yes               Yes                 Yes               Yes              Yes               Yes


No                Yes                 Yes               Yes              No                No


No                Yes                 No                No               No                Yes


Yes               Yes                 Yes               Yes              Yes               Yes
Yes            Yes             Yes                 Yes       Yes            Yes


Yes            Yes             Yes                 Yes       Yes            Yes


Yes            Yes             Yes                 Yes       Yes            Yes


Yes            Yes             Yes                 Yes       Yes            Yes


Yes            Yes             Yes                 Yes       Yes            No


Yes            Yes             Yes                 Yes       Yes            Yes


Yes            Yes             Yes                 No        No             Yes


             0 Not Available   Not Available             1              0         6


Not Applicable Not Available   Not Available             0 Not Applicable         1


Not Applicable Not Available   Not Available             1 Not Applicable         5


Not Applicable Not Available   Not Available             0 Not Applicable         0


             4 Not Available               92            3              0         3


             1 Not Available                   0         0              0         0


             0 Not Available               40            2              0         2


             0 Not Available                   0         0              0         0


             0 Not Available                   0         0              0         0


             4 Not Available                   0         1              0         0


             1 Not Available                   0         0              0         0
              0 Not Available                       0                0              0                 0


              0 Not Available                   52                   0              0                 1


              0 Not Available                       0                0              0                 0


              0 Not Available                       0                0              0                 0


              0 Not Available       Not Available                    0              0                 0


              0 Not Available       Not Available                    0              0                 0


              0 Not Available       Not Available                    0              0                 0


No                Not Applicable Not Available          Not Applicable Not Applicable Not Available


No                Not Applicable Not Available          Not Applicable Not Applicable Not Available


No                Not Applicable Not Available          Not Applicable Not Applicable Not Available


No                Not Applicable Not Available          Not Applicable Not Applicable Yes


                Not Applicable Not Available Not Applicable are Applicable Economically nonviable
The application was for islamic banking whose //banking activities Not not covered by the //existing Financial Institutions Act.


No                No                No                  No               No             No


No                No                No                  No               No             No


Yes               No                No                  No               No             No


No                No                No                  No               No             No


           0.49                 1                   1                1              1                 1
Yes                 No                 No                 No                Not Available   No


             0.49 Not Applicable Not Applicable Not Applicable Not Available                Not Applicable


Yes                 Yes                Yes                No                Not Available   Yes


             0.49                                  Not Applicable Not Available
                                  1 more than 25% requires approval                                         1


Yes                 No                 Yes                Not Applicable Not Available      Not Applicable


Yes                 Yes                Yes                Yes               Not Available   Yes


Yes                 Yes                Yes                Yes               Not Available   Yes


Restricted          Permitted          Permitted          Permitted         Not Available   Permitted


               0 Not Available                        1                                     banks
                                                                      0.401 Only 4 domestic Not Available


Restricted          Permitted          Permitted          Permitted         Not Available   Permitted


        0.7344                  0.58               0.39                0.77 Not Available           0.8319


        0.7121                  0.67               0.41           0.7726 Not Available                  0.756


             0.92               0.94                0.7           0.7844 Not Available                  0.102




             0.12               0.08                                                0.08              0.12
                                                   0.08 10% of risky adjusts plus loans in arrears, as long as the total is above 4% of


Yes                 Yes                Yes                Yes               Yes             No


Yes                 Yes                Yes                No                No              No


No                  Yes                Yes                No                No              No
No               Yes               Yes            No                No                  No


No               No                Yes            No                Not Available       No


                                               Not
Not Applicable Not Applicable 0.03 of Tier 1 capital Applicable Not Available           Not Applicable


        0.1831 Not Available             0.1233 Not Available                0.267                0.12


         0.168          0.0877           0.0982          0.1416              0.256              0.1063


No               Yes               Yes            Yes               Not Available       Yes


No               No                No             No                Not Available       No


                                as part of Tier 2(Note:
                                                  capital      Not Available                   0
        0.0125 100% but limited45% of Tier 2 capital It does not give a %. It gives the types of adjustments that are subject




             0 Not Available                  0          0.6088 Not Available                   0.0988


        0.7569           0.542            0.085          0.3912 Not Available                   0.3276


             0                 0              0                 3                   1                5


            11             258               64              12 Not Available                        9


Yes              Yes               No             Yes               Not Available       No


Yes              Yes               Yes            Yes               Not Available       No


Yes              Yes               No             Yes               Not Available       No


Yes              Yes               No             Yes               Yes                 No


No               No                Yes            No                Not Available       No
             0 Not Available                     0                   0.6 Not Available                0.1


        0.7908            0.557               0.081                  0.4 Not Available           0.3269


             0 Not Available                     0                 0.61 Not Available            0.0184


        0.7328            0.541               0.082                0.39 Not Available            0.3501




Restricted       Unrestricted     Permitted           Unrestricted      Not Available    Not Available


Prohibited       Unrestricted     Permitted           Restricted        Not Available    Prohibited


Restricted       Unrestricted     Prohibited          Prohibited        Prohibited       Prohibited


Permitted        Unrestricted     Restricted          Prohibited        Not Available    Restricted




Yes              Yes              Yes                 Yes               Yes              Yes


Yes              Yes              No                  Yes               Yes              Yes


Yes              Yes              No                  Yes               Yes              No


Yes              Yes              Yes                 No                Not Available    Yes


Yes              Yes              Yes                 Yes               Yes              Yes


Yes              Yes              No                  Yes               Yes              Yes


Yes              Yes              Yes                 Yes               No               Yes


Yes              Yes              No                  No                Not Available    No
Yes             Yes               No             No              Not Available    No


Yes             No                Yes            Yes             Not Available    Yes


No              Not Applicable Yes               No              No               No




Yes             Yes               Yes            Yes             Yes              Yes


Yes             Not Available     Yes            Yes             Yes              No




No              No                No             Yes             No               No


Yes             Yes               Yes            Yes             Yes              Yes


                 25%
25% of total capital of capital             0.15 Not Available   25% of capital   10% and 20% of capital


No              No                No             No              No               No


No              No                No             Yes             No               No


No              No                No             No              No               No


Yes             Yes               Yes            Yes             Yes              Yes


              Varies accordingNotthe risk of //total Available 10% of Statutory15% of their liabilities
                               to Available Not the //institution
Minimum cash reserve requirement of 9.5% profile ofdeposits                     Reserve Deposit & 12% of Liquid //Assets R


No              Yes               No             Yes             No               No


Not Applicable Market rates                                     Not Applicable Not U.S. dollars.
                                  Not Applicable 0% in domestic currency and 0.5% inApplicable


No              Yes               Yes            Yes             Yes              Yes
Not Applicable No Limit           Not Available       Not Available    Not Available     15% of their liabilities including those in fore


No                No              No                  Yes              Yes               Yes


Not Available     Not Applicable Not Applicable Not Available          Not Available     15% of their liabilities including those in fore


                              Credit unions           0.7362
        0.2741 55.9% excludingNot Available and Central Bank Not Available                         0.127


                              credit unions           0.7986
        0.3073 55.6% excludingNot Available and Central Bank Not Available                        0.0067


                                             0.119            0.045 Central Bank
            0.268 0.2%(TBills and Gilts) excluding credit unions andNot Available                 0.2937


                                         0.675         0.7409
        0.7035 55.7% excluding credit unions and Central Bank Not Available                       0.7437


Not Available     Not Available               0.351           0.7321                   0 Not Available




Yes               Yes             Yes                 Yes              No                Yes


the banks         the banks       the banks           both             Not Applicable The banks


Yes               No              Not Available                       Not
                                                      ex ante and ex post Applicable Yes


Yes               No              Not Available       No               Not Applicable No


            0.009 Not Applicable Not Available                0.0004 Not Applicable Not Available


       1654.48 Not Available              100000                      5 Not Applicable No Applicable


3.0M              Not Available   Not Available                      Not Applicable Bs. 10 MM
                                                      250.000 unidades indexadas (aproximadamente $ 376.000 al 31.12.05)


No                Yes             Not Available       Yes              Not Applicable Yes


                                Not Available 250.000 unidades indexadas ( el Bs. 10es por persona y por moneda)
                                                               Not Applicable límite MM
Not Applicable £31,700 for the aggregate deposits with any one bank.
Yes              Yes               Not Available   Yes            Not Applicable No


Yes              Yes               Not Available   Yes            Not Applicable No


No               Not Available     Not Available   No             Not Applicable No


No               No                Not Available   No             Not Applicable No


                              Guarantee Schemes Directive //requires the decision to be taken
                                                             Central Bank of THE SUPERVISION OF BANKS AND OTHE
Bank of Uganda The EU Deposit Not Available The Directory of Not Applicable the Uruguay. by the //competent authoritie


No               Yes               Not Available   No             Not Applicable No


        0.0026 Not Available       Not Available         0.0088                   0 Not Available


                                Not Available                4              0 Not Available
             2 0 in the case of UK banks but there may have been branch closure of foreign banks.


             0                   0 Not Available             1                    0 Not Available


Yes              Yes               Not Available   No             Not Applicable Not Available


23 months                        Not though insolvency and banking Applicable Not can delay
                 The rule is 3 months Available Not Available Notlaw requirements Available the process


12 Years                         Not though insolvency and banking Applicable Not can delay
                 The rule is 3 months Available Not Available Notlaw requirements Available the process


Yes              No                Not Available   No             Not Available     Not Available


Yes              No                Not Available   No             Not Applicable No


No               No                Not Available   No             Not Applicable Not Applicable


No               No                Not Available   No             Not Applicable No


No               No                Not Available   No             Not Applicable No


No               No                Not Available   No             Not Applicable No
Yes            No               Not Available       Yes            Not Applicable Yes


Yes            Yes              Not Available       Yes            Not Applicable Yes




Yes            No               Yes                 No             Yes               No


Yes            No               No                  No             Yes               Yes


Yes            No               Yes                 Yes            Yes               No


Yes            No               No                  Yes            No                No


            90 Not Applicable Not based on past due status60 Not Available           Loans with a single, final payment that includ


                                                        1                     Not Available
          180 Not Applicable Not based on past due status 50 90 (Probability of some loss)


                                                        2
          365 Not Applicable Not based on past due status 40 90 (actual loss) Not Available


           0.2 Not Applicable No minimum                     0.2              0.2 0.03 to 0.15


           0.5 Not Applicable No minimum                     0.5              0.5                0.6


             1 Not Applicable                   1              1                 1              0.95


         0.023 Not Available             0.004              0.04 Not Available               0.0067


Yes            No               No                  Yes            Yes               No


         0.108 Not Available            0.0353            0.0409 Not Available       Not Available


      0.05319 Not Available             0.0313            0.0381 Not Available               0.0883


                 Specific provisions
                                  Provisions cannot be can deduct general reserves.
                                                 They
Specific provisions can be deductedcan be deducted deducted Not Available Not deductible
            0.3 0.3 to 0.19                      0.35                 0.3 Not Available   Not Available


            0.3 0.3 to 0.19          Not Available                    0.3 Not Available   Not Available




Yes                 Yes              Yes                  Yes             Not Available   Yes


No                  Yes              No                   No              Not Available   Yes


                                             90 After          if there is a reason other than interest arrears to declare an a
             90 Not defined in accounting standards 60 days or Not Available Loans with a single, final payment that includ


No                  Yes              Yes                  Yes             Yes             Yes


Yes                 Yes              Yes                  Yes             Not Available   Yes


No                  Yes              Yes                  Yes             Not Available   Yes


      237809.84 Not Available        $8.6 Trillion                        Not Available Income: 1.713 MM; Spending: 3.579 MM
                                                          $ 6.242.571,42 (Corresponde a los resultados extraordinarios, son aquellos r


No                  Yes              No                   No              Not Available   No


Yes                 Yes              Yes                  Yes             Yes             No


               Civil and regulatory penalties, five in serious //cases criminal//Actions, Applicable
                                Civil Money Penalites, Formal Enforcement sanctionsRestitution
                                                  penalties,        VUV100,000       Not
US $ 1,102.99 or imprisonment not exceeding and //years removal from position for up to ten years. You fine between 100 an


No                  Yes              Yes                  Yes             No              No


Not Applicable Not Available         Not Available                         not apply only Not disclosure
                                                          The penalties doNot Applicable to theApplicable of erroneous or misleading i


No                  Not Available    No                   Yes             Not Available   Yes


Not Available                   10                   10               10 Not Available    Not Available


                0               10                   10               10 Not Available    Not Available
No             Yes             Yes             Yes             Not Available   Yes


No             Yes             Yes             Yes             Not Available   Yes


No             Yes             Yes             Yes             Not Available   No




Yes            No              No              No              Not Available   Yes


No             Yes             Yes             No              Not Available   No


Yes            Yes             Yes             Yes             Not Available   Yes


Yes            No              Yes             Yes             Not Available   Yes


Yes            No              Yes             Yes             Not Available   Yes


Yes            No              Yes             Yes             Not Available   Yes


Yes            No              Yes             No              Not Available   Yes


                  Insolvency Act 1986//Financial12 USC 1821(c)(5) Not Available Not Available
                                  12 USC 191, Services      17.613.
Financial Institutions Act 2004 and Company Act. 17.523 and Markets Act 2000//Directive 2001/24/EC of the European Parliam


No             No              Yes             No              Not Available   No


Yes            No              Yes             Yes             Not Available   Yes


Yes            Yes             No              No              Not Available   No


No             No              Yes             No              Not Available   No


No             No              No              No              Not Available   No


No             No              No              No              Not Available   No
                                                  In past crises commission
er in the Finance Ministry, after consultation with the banking bank restructuring agencies have been set up and have had this //authoritye.g.,


              Yes              Yes             Yes              Yes              Not Available    Yes


              No               Yes             Yes              No               Not Available    No


              No               No              Yes              No               Not Available    No


              No               No              No               No               Not Available    No


              No               No              No               No               Not Available    No


                                                Certain ownership rights may be suspended by supervisors in certain //circumstances, such a
ter of finance after consultation with the banking commission


              Yes              No              Yes              No               Not Available    Yes


              Yes              No              Yes              Yes              Not Available    Yes


              Yes              Yes             Yes              No               Not Available    Yes


              Yes              No              Yes              No               Not Available    No


              Yes              No              No               No               Not Available    No


              Yes              No              Yes              Yes              Not Available    No


              Depositors//External Creditors                   The Government expropriate the bank's capital. The Supervisory authority ma
                                               The answer to this question depends on the circumstances.


              Yes              Yes             Yes              Yes              Not Available    Yes


              No               Yes             Yes              No               Not Available    Yes


              No               No              No               No               Not Available    No


              No               No              No               No               Not Available    No
            No             No              No              No               Not Available    No


                                           When a bank is in a troubled condition, the federal banking supervisor has the //authority to ap


            Yes            Yes             Yes             Yes              Not Available    Yes


            No             Yes             Yes             No               Not Available    Yes


            No             No              No              No               Not Available    No


            No             No              No              No               Not Available    No


            No             No              No              No               Not Available    No


                                                                           Not Available
                                           When a bank is in a troubled condition, the federal banking supervisor has the //authority to ap


            No             Yes             Yes             Yes              Not Available    Not Available


            No             Not Available   No              No               Not Available    Not Available


            No             No              No              No               Not Available    Not Available


            No             No              No              No               Not Available    Not Available


            No             No              No              No               Not Available    Not Available


sters of the UMOA region                                                    Not Available    Not Available


            No             No              No              No               Not Available    Not Available


            No             No              Not Available   No               Not Available    Not Available


            No             No              Not Available   No               Not Available    Not Available


            No             No              No              No               Not Available    Not Available
                 No                Yes             Not Available       No             Not Available    Not Available


                                   Government      Not Available                      Not Available    Not Available


                                 0 Not Available   7 (National Banks)               1 Not Available    Not Available


                                 0 Not Available   minimal                       0.04 Not Available    Not Available


                                 0 Not Available                   0                0 Not Available    Not Available


                                 0 Not Available                   0                0 Not Available    Not Available


                                 2 Not Available   Not Available                     Not Available Not
                                                                       Three banks were merged into one. Available


                 Not Available     Not Available   Not Available                 0.15 Not Available    Not Available


                 Not Available     Not Available                                     Not Available Not their good
                                                                   0 3 banks were liquidated and some ofAvailable assets were sold to a new in


                                 2 Not Available                  6 months
                                                   approximately 90 days              Not Available    Not Available


                 Yes               No              Yes                 Yes            Not Available    Not Available


                 No                Yes             No                  No             Not Available    Not Available


                 No                No              Yes                 No             Not Available    Not Available


                 No                No              No                  No             Not Available    Not Available


                 No                No              No                  Yes            Not Available    Not Available


ter of finance                                                         The board of the Central Bank


                 No                Yes             No                  No             Not Available    Not Available


                 No                Yes             No                  No             Not Available    Not Available
Yes             Yes              Yes             Yes           Not Available   Not Available


Not Available                0               0               1 Not Available   Not Available




Yes             No               Yes             Yes           Not Available   Not Available


Yes             No               No              No            Not Available   Not Available


No              No               Yes             No            Not Available   Not Available


No              Yes              No              Yes           Not Available   Not Available


                               Not Applicable The Central Bank of Available Not Available
Not Applicable Financial Services Authority                  Not the Uruguay across the Supervision of Institutions of Fin


Yes             Yes              No              Yes           Not Available   Not Available


                               Not Applicable The Central Bank of Available Not Available
Bank of Uganda Financial Services Authority                  Not the Uruguay across the Supervision of Institutions of Fin


No              No               No              No            Not Available   Not Available


No              No               No              No            Not Available   Not Available


Yes             Yes              Yes             No            Not Available   Not Available


No              No               No              Yes           Not Available   Not Available


Yes             No               Yes             No            Not Available   Not Available


No              Yes              No              No            Not Available   Not Available


No              No               Yes             No            Not Available   Not Available


Yes             No               No              No            Not Available   Not Available
No               No               No                Yes              Not Available    Not Available


Yes              Yes              Yes               Yes              Not Available    Not Available


5 years                           renewable for directors)
                 5 years (3 years 5years          8 years            Not Available    Not Available


Yes              No               Yes               No               Not Available    Not Available


No               Yes              No                No               Not Available    Not Available


No               No               No                No               Not Available    Not Available


No               No               No                No               Not Available    Not Available


No               No               No                Yes              Not Available    Not Available




Yes              Yes              Yes               No               Not Available    Not Available


Yes              Yes              Not Available     Yes              Not Available    Not Available


No               Yes              Not Available     No               Not Available    Not Available


No               Yes              Yes               No               Not Available    Not Available


              49 Not Available               2218                59 Not Available     Not Available


                                  to risk profile of 1 time annually on average
                                                     the bank
               5 Varies according0.86 (state member banks)            Not Available   Not Available


          115535 £270 million                      $ 121.874.215 million (FED)
                                                                  Not Available Not Available
                                  $420.8 million (OCC) and $618 que equivalen a USD 5.027.021


                              to all authorised The Central Bank ot Available Not Available
                                                firms that carry N Fed earnings
                                                                 and
Bank of Uganda We charge fees Assessments from banks (OCC)out activities we regulate, //as well as other bodies such as re


Annually         Every two years Annually           Annually         Not Available    Not Available
           10 Not Available                  787 (FED)
                              1269 (OCC) and23/59           Not Available   Not Available


            7 Not Available   16.1 (OCC) and 8.8 (FED)11.33 Not Available   Not Available


Yes           Yes             Yes            Yes            Not Available   Not Available


Yes           No              Yes            Yes            Not Available   Not Available


Governor                                 SuperintendenteNot Available
              Not Applicable OCC management                                 Not Available


            0 Not Applicable Not Available                0 Not Available   Not Available


No            No              No             Yes            Not Available   Not Available


No            No              No             Yes            Not Available   Not Available
Zimbabwe




The Reserve Bank of Zimbabwe


No


No


Not Applicable


             29

ZW$102.929
trillion

ZW$54.44
trillion

ZW$18.474
trillion

US$10 million


US$10 million


Not Available


Yes


Yes


No


No


Yes
Yes


Yes


Yes


Yes


Yes


Yes


Yes


      23


      7


      13


      3


      0


      0


      0


      0


      0


      0


      0
                0


                0


                0


                0


                0


                0


                0


Yes


No


No


Yes


Not Available


No


No


Yes


No


                1
Yes


Max for an individual 25%; Nonfinancial institution 10$; a financial insitution 100%


Yes


10%; 25%; 100%


Yes


Yes


Yes


Restricted


         0.7916


Permitted


         0.6796


         0.5381


            0.815




              0.1


Yes


No


No
No


Yes


        0.06


      0.2553


      0.2007


Yes


No


        0.55




      0.1315


      0.4792


          4


          5


Yes


Yes


Yes


Yes


No
             0.11


            0.527


        0.2101


        0.3915




Permitted


Restricted


Permitted


Restricted




Yes


Yes


Yes


Yes


Yes


Yes


Yes


Yes
Yes


No


No




Yes


Yes




No


Yes


          0.25


No


No


No


Yes


         0.475


No


Not Applicable


No
Not Applicable


No


Not Applicable


        0.1351


        0.1233


        0.2803


        0.5289


        0.3854




Yes


the banks


Yes


No


        0.0107


               45


US$5 million


Yes


ZW$5 million
Yes


No


No


No


The Reserve Bank of Zimbabwe


Yes


Not Available


            14


                4


Yes


5 days


1 year


No


No


No


No


No


No
Yes


Yes




Yes


Yes


No


No


            90


           180


           360


            0.2


            0.5


             1


       0.00002


Yes


        0.1462


         0.067


Specific provisions can be deducted
          0.309


          0.309




Yes


No


             90


Yes


Yes


Yes


ZW$8.167 trillion


Yes


Yes


Fine or prison


No


Not Applicable


Yes


             10


Not Available
No


No


All bank operations are taken into account to arrive at an overall rating.




Yes


No


Yes


Yes


Yes


Yes


Yes


Banking Act [Chapter 24:20]//Insolvency Act [Chapter 6:04]


No


No


Yes


No


No


Yes
Curator


Yes


Yes


No


No


Yes


Curator


Yes


Yes


Yes


No


No


Yes


Curator


Yes


Yes


No


No
Yes


Curator


Yes


Yes


No


No


Yes


Curator


Yes


Yes


No


No


Yes


Curator


No


No


Yes


No
Yes


Curator


                2


          0.0288


             15


          0.2169


                3


          0.0601


Not Available


12 months


Yes


Yes


No


No


No




No


Yes
Yes


             4




Yes


Yes


Yes


No


Not Applicable


Yes


The Reserve Bank of Zimbabwe


No


Yes


No


No


Yes


Yes


No


No
No


Yes


5 years


Yes


Yes


No


No


No




Yes


Yes


Yes


Yes


            69


                5


Not Available


Reserve Bank of Zimbabwe Budget


Annually
             8


           3.3


Yes


Yes


Head of Banking Supervision


             0


No


Yes

				
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