Listado De Agencias.Xlsx

Total Page:16

File Type:pdf, Size:1020Kb

Listado De Agencias.Xlsx BANK NAME BANK NAME BANK NAME BANK NAME FEDERAL RESERVE BANK FIRST FINANCIAL BANK BANK OF THE ORIENT HUNTINGTON COUNTY FCU STATE STREET BANK AND TRUST COMPANY PEOPLES STATE BANK BANK OF SOUTHERN CALIFORNIA NA OUR SUNDAY VISITOR EFCU BANK OF AMERICA, N.A. STAR FINANCIAL BANK UNITED BUSINESS BANK FINANCIAL CENTER FIRST CREDIT UNION BANK OF AMERICA N.A HOOSIER HEARTLAND STATE BANK AMALGAMATED BANK CALIFORNIA INDIANA HEARTLAND FEDERAL C U BANK OF AMERICA N.A STATE BANK OF LIZTON BANNER BANK HOWARD CO. SCH EFCU FEDERAL HOME LOAN BK BOST FIRST MERCHANTS BANK HOMESTREET BANK CITY OF FIRSTS COMMUNITY FCU BANK OF NEW YORK MELLON THE 1ST NATL BK - MONTEREY CITIZENS BUSINESS BANK SOLIDARITY FEDERAL CREDIT UNION ONEUNITED BANK FIRST MERCHANTS BK OF CENTRAL IND NA ROYAL BUSINESS BANK HAYNES INTERNATIONAL FCU CITIZENS BANK NA THE NAPOLEON STATE BANK AMERICAN CONTINENTAL BANK FINANCIAL BUILDERS FCU THE FIRST NATIONAL BANK OF IPSWICH FIFTH THIRD BANK COMMERCIAL BANK OF CALIFORNIA UNITED METHODIST FINANCIAL CU BANK OF AMERICA, N.A. NORTH SALEM STATE BANK SEACOAST COMMERCE BANK TIPPECANOE FEDERAL CU FIDUCIARY TRUST CO LAFAYETTE BANK & TRUST WESTERN ALLIANCE BANK INDUSTRIAL FEDERAL CREDIT UNION CATHAY BANK TRI-COUNTY BK & TR CO PACIFIC PREMIER BANK DEARBORN CO HOSPITAL FEDERAL CU BOSTON PRIVATE BK + TR CO STAR FINANCIAL BANK BANNER BANK COMMUNITY SPIRIT CU EASTERN BANK MERCHANTS BANK OF INDIANA PACIFIC PREMIER BANK DIVERSIFIED GENERAL FCU BERKSHIRE BANK GRANT COUNTY STATE BANK UMPQUA BANK RIVERSIDE COMMUNITY FCU EAST WEST BANK FIRST FINANCIAL BANK GOLDEN STATE BANK RIVERSIDE COMMUNITY FCU SANTANDER FIRST FINANCIAL BANK 1ST CENTURY BK, DIV OF MIDFIRST BK VIA CREDIT UNION SANTANDER BANK, N.A. THE BIPPUS STATE BANK BANC OF CALIFORNIA AFENA FEDERAL CREDIT UNION FRB BOSTON ACCOUNTING DEPT. FRIENDSHIP STATE BANK BANNER BANK FORTRESS FEDERAL CREDIT UNION BANK OF AMERICA N.A. OSSIAN STATE BANK BANK OF SANTA CLARITA LAKES FEDERAL CREDIT UNION WELLS FARGO BANK GRANT COUNTY STATE BANK EH NATIONAL BANK FIRST COUNTY FEDERAL CREDIT UNION BANK OF AMERICA N.A FARMERS & MERCHANTS BANK PACIFIC WESTERN BANK BALL STATE FCU WEBSTER BANK FIRST FINANCIAL BANK BANK OF THE SIERRA DEL MET FEDERAL CREDIT UNION HOMETOWN BANK FARMERS STATE BANK MUTUAL OF OMAHA BANK MUNSEETOWN COMM FCU PEOPLESBANK DE MOTTE STATE BANK PREMIER VALLEY BANK MUNCIE FEDERAL CREDIT UNION UNION SAVINGS BANK CENTREBANK PACIFIC PREMIER BANK MUNCIE POST OFFICE CREDIT UNION SALISBURY BANK & TRUST CO 1ST FARMERS BANK & TRUST FIRST CHOICE BANK PRIMETRUST FINANCIAL FCU NATIONAL IRON BANK HOOSIER HEARTLAND STATE BANK FIRST FOUNDATION BANK THRIVE FCU SALISBURY BANK & TRUST CO. BATH STATE BK PACIFIC PREMIER BANK EASTERN INDIANA FCU TD BANK NA THE MORRIS PLAN CO OF TERRE HAUTE IN CALPRIVATE BANK HOMETOWN FEDERAL CREDIT UNION JEWETT CITY SAVINGS BANK PNC BANK, NA CALIFORNIA INTERNATIONAL BANK, N.A. CROSSROADS FINANCIAL FCU BANK OF AMERICA N.A. FIRST FINANCIAL BANK FIRST GENERAL BANK NATCO CREDIT UNION WEBSTER BANK COMMUNITY STATE BANK PACIFIC PREMIER BANK RICHMOND CITY EMPLOYEES FEDERAL C.U. PEOPLE'S UNITED BANK, N.A. ALLIANCE BANK GOLDEN STATE BUSINESS BANK WUFFACE FEDERAL CREDIT UNION PEOPLE'S UNITED BANK, N.A. COMMUNITY STATE BK BANC OF CALIFORNIA WAYNE COUNTY FEDERAL CREDIT UNION WEBSTER BANK FOWLER STATE BANK AMERICAN RIVIERA BANK CRANE CREDIT UNION SAVINGS INSTITUTE KENTLAND BANK FIFTH THIRD BANK ADVANTAGEPLUS OF INDIANA FCU WEBSTER BANK N.A BMO HARRIS BANK,N.A. COMMERCEWEST BANK NA HULMAN FIELD TECHNICIANS F C U PATRIOT BANK, NATIONAL ASSOCIATION FIRST FINANCIAL BANK FRIENDLY HILLS BANK INDIANA STATE UNIV FCU LIBERTY BANK OWEN COUNTY STATE BANK CALPRIVATE BANK CRANE CREDIT UNION BANKERS' BANK NORTHEAST PNC BANK, NA AMERICAN RIVIERA BANK T H P FEDERAL CREDIT UNION NAUGATUCK SAVINGS BANK BANK OF WOLCOTT CALPRIVATE BANK VIGO COUNTY FCU UNITED BANK BMO HARRIS BANK,N.A. US METRO BANK ENCOMPASS FEDERAL CREDIT UNION UNITED BANK FIRST MERCHANTS BANK BANK OF SOUTHERN CALIFORNIA, NA PURDUE FEDERAL CREDIT UNION LIBERTY BANK FIRST MERCHANTS BANK PACIFIC ALLIANCE BANK BEACON CREDIT UNION WEBSTER BANK FIRST MERCHANTS BANK BANNER BANK A H E PLANT NO 3 FCU LIBERTY BANK CITIZENS STATE BANK PACIFIC PREMIER BANK FINANCIAL PARTNERS FED CR UN WEBSTER BANK N.A. FIRST MERCHANTS BANK PACIFIC ENTERPRISE BANK INDIANA MEMBERS CREDIT UNION BANKWELL BANK HORIZON BANK, AN INDIANA BANK AMERICAN PLUS BANK NA HEALTH CARE PROFESSIONALS FCU EASTHAMPTON SAVINGS BANK HORIZON BK, AN INDIANA BANK COMMUNITY VALLEY BANK INDIANA LAKES FEDERAL CREDIT UNION NEW HAVEN BANK GERMAN AMERICAN BANK PACIFIC PREMIER BANK VULCRAFT EFCU INSURBANC HORIZON BANK, AN INDIANA BANK SEACOAST COMMERCE BANK EMPOWER CREDIT UNION ROCKVILLE BANK COMMUNITY FIRST BANK OF HOWARD CNTY NANO BANC THE EQUITABLE BANK S S B DIME BANK THE FRIENDSHIP STATE BANK PACIFIC WESTERN BANK FIRST CITIZENS BANK & TRUST CO. KEY BANK FIRST FINANCIAL BANK PARTNERS BANK OF CALIFORNIA BMO HARRIS BANK,N.A. BANK OF AMERICA, N.A. STATE BANK OF LIZTON MECHANICS BANK PYRAMAX BANK DAMARISCOTTA BK&TR CO KENTLAND BANK MEGA BANK ASSOCIATED BANK, NA KEY BANK HOOSIER HEARTLAND STATE BANK PACIFIC PREMIER BANK NORTH SHORE BANK FSB BAR HARBOR BANK & TRUST FIRST MERCHANTS BANK FIRST CHOICE BANK T C F BANK WISCONSIN FSB CAMDEN NATIONAL BANK FORUM CREDIT UNION VALLEY REPUBLIC BANK BMO HARRIS BANK NA CAMDEN NATIONAL BANK PROFED FEDERAL CREDIT UNION BANC OF CALIFORNIA PNC BANK, NA NORTHEAST BANK JPMORGAN CHASE POPPY BANK BMO HARRIS BANK NA PEOPLE'S UNITED BANK, N.A. US BANK NA INFINITY BANK WATERSTONE BANK CAMDEN NATIONAL BANK BMO HARRIS BANK, N.A ENDEAVOR BANK TRUSTONE FINANCIAL FEDERAL CU CAMDEN NATIONAL BANK US BANK NA MISSION BANK TRUSTONE FINANCIAL FEDERAL CU PEOPLE'S UNITED BANK, N.A. MITCHELL BANK NANO BANC AIR TECH CU PEOPLE'S UNITED BANK, N.A. PARK BANK WELLS FARGO BANK HERITAGE CREDIT UNION- AB BRANCH BANK OF AMERICA N.A. NORTH SHORE BANK, F.S.B. PACIFIC WESTERN BANK BREWERY CREDIT UNION BAR HARBOR BANK & TRUST BMO HARRIS BANK,N.A. AXOS BANK LANDMARK CREDIT UNION THE FIRST, N.A. ASSOCIATED BANK N A BANK OF SOUTHERN CALIFORNIA, NA MARINE CREDIT UNION FIRST NATIONAL BANK FIRST-CITIZENS BANK & TRUST CO USC CREDIT UNION GREAT LAKES CREDIT UNION ANDROSCOGGIN SAVINGS BANK TRI CITY NATL BANK FIRST CITIZENS BANK & TRUST COMPANY GUARDIAN CREDIT UNION KATAHDIN TRUST COMPANY BMO HARRIS BANK, N.A PACIFIC MARINE CREDIT UNION SUMMIT CREDIT UNION CAMDEN NATIONAL BANK ASSOCIATED BANK GREEN BAY ARROWHEAD CREDIT UNION PRIME FINANCIAL CREDIT UNION TD BANK USA, NA BMO HARRIS BANK, N.A PACIFIC PREMIER BANK NORTHWESTERN MUTUAL CREDIT UNION DAMARISCOTTA BANK & TRUST COMPANY BMO HARRIS BANK, N.A GAIN FEDERAL CREDIT UNION SUMMIT CREDIT UNION THE FIRST, NATIONAL ASSOCIATION BMO HARRIS BANK, N.A MYPOINT CREDIT UNION ENTERPRISE CREDIT UNION GORHAM SAVINGS BANK FIRST-CITIZENS BANK & TRUST CO COMUNIDAD LATINA FCU TRUSTONE FINANCIAL FEDERAL CU MAINE HARVEST FCU BMO HARRIS BANK,N.A. KERN SCHOOLS FEDERAL CREDIT UNION FOCUS CREDIT UNION BERKSHIRE BANK BMO HARRIS BANK, N.A FIRST FOUNDATION BANK PRIME FINANCIAL CREDIT UNION CAMBRIDGE TRUST COMPANY BMO HARRIS BANK,N.A. COASTHILLS CREDIT UNION APPLETREE CREDIT UNION BANK OF AMERICA N.A. BMO HARRIS BANK, N.A HONDA FEDERAL CREDIT UNION SUMMIT CREDIT UNION CENTURY BANK CIBC BANK USA CERTIFIED FEDERAL CREDIT UNION CORPORATE CENTRAL CR UNION EASTERN BANK HOLY REDEEMER COMMUNITY CU AXOS BANK MARATHON BANK EASTERN BANK BMO HARRIS BANK, NA. AMERICAS CHRISTIAN CREDIT UNION FOX VALLEY SAVINGS BANK EASTERN BANK BMO HARRIS BANK, N.A BANK OF AMERICA, N.A. TCF NATIONAL BANK WI BANKFIVE US BANK NA ZIONS BANCORPORATION, NA DBA NEVADA BMO HARRIS BANK,N.A. BANK OF AMERICA N.A. ASSOCIATED BANK GREEN BAY CITIBANK NA EAST WISCONSIN SAVINGS BANK S A BANK OF AMERICA N.A. NATIONAL EXCHANGE BANK & TRUST MUTUAL OF OMAHA BANK OLD NATIONAL BANK EASTERN BANK BMO HARRIS BANK, N.A WESTERN ALLIANCE BANK HOME SAVINGS BANK NORTHMARK BANK BMO HARRIS BANK, N.A US BANK FORWARD BANK PEOPLE'S UNITED BANK, N.A. FIRST NATL BK & TR CO WELLS FARGO BANK NA MAYVILLE SAVINGS BANK ENTERPRISE BANK & TRUST CO. BMO HARRIS BANK, N.A CREDIT ONE BANK NA PAPER CITY SAVINGS ASSOC. PEOPLE'S UNITED BANK, N.A. STEPHENSON NATL BANK & TRUST PACIFIC PREMIER BANK TCF NATIONAL BK WI BANK OF NEW YORK MELLON FARM & MERCH BK & TR CITIBANK NA BMO HARRIS BANK NA CAMBRIDGE SAVINGS BANK BMO HARRIS BANK, N.A TOWN AND COUNTRY BANK ASSOCIATED BANK GREEN BAY NORTHERN BANK & TRUST CO ASSOCIATED BANK NA VALLEY BANK OF NEVADA FIRST FED SB OF WISCONSIN EASTERN BANK BANK FIRST, N.A. PACIFIC PREMIER BANK WESTBURY BANK ROCKLAND TRUST COMPANY BMO HARRIS BANK, N.A WESTERN ALLIANCE BANK KEYSAVINGS BANK NATL GRAND BK MARBLEHEAD WAUKESHA STATE BANK FIRST SECURITY BANK OF NEVADA BLACKHAWK BANK ROCKLAND TRUST COMPANY BMO HARRIS BANK, N.A CATHAY BANK GREAT MIDWEST BANK S S B CITIZENS BANK NA BMO HARRIS BANK, N.A ROYAL BUSINESS BANK CO VANTAGE CREDIT UNION FIRST IPSWICH BANK AMERICAN BANK OF BEAVER DAM BANK OF GEORGE COMMUNITY FIRST CREDIT UNION MILLBURY NATIONAL BANK WOODTRUST BANK MEADOWS BANK COMMUNITY FIRST CREDIT UNION INST FOR SVGS NEWBURYPORT BARABOO STATE BANK AMALGAMATED BANK NEVADA ATHENS AREA CREDIT UNION ROCKLAND TRUST COMPANY NICOLET NATIONAL BANK KIRKWOOD BANK OF NEVADA ADVIA CREDIT UNION TD BANK NA BMO HARRIS BANK, N.A LEXICON BANK FIRST COMMUNITY CREDIT UNION EASTERN BANK ASSOCIATED BANK NA FIRST REPUBLIC BANK TEACHERS CREDIT UNION ROCKLAND TRUST COMPANY MC FARLAND STATE BANK USAA SAVINGS BANK CO OP CREDIT UNION EASTERN BANK THE BANK OF KAUKAUNA BANK OF NEVADA, A DIV OF W ALLIANCE CITIZENSFIRST CREDIT UNION UNITED BANK FORTIFI BANK BMO HARRIS BANK NA BROKAW CREDIT UNION LEADER BANK , N.A. WISCONSIN COMMUNITY BANK WELLS FARGO BANK FOX COMMUNITIES CREDIT UNION STATE STREET BANK & TRUST CLARE BANK TOYOTA FINANCIAL SAVINGS BANK FOND DU LAC CREDIT UNION CENTURY BANK AND TRUST CO BMO HARRIS BANK,N.A.
Recommended publications
  • Failed Financial Institution Litigation: Remember When*
    \\server05\productn\N\NYB\5-1\NYB101.txt unknown Seq: 1 27-APR-09 15:14 FAILED FINANCIAL INSTITUTION LITIGATION: REMEMBER WHEN* RICHARD D. BERNSTEIN JOHN R. OLLER JESSICA L. MATELIS** INTRODUCTION As the global economic crisis continues, the effect of the credit crisis and fair value accounting will create a likely up- surge in litigation, reminiscent of the wave of lawsuits spawned by the Savings and Loan crisis of 1988-1994 (“S&L crisis”). The body of law developed during the S&L crisis provides a ready starting point for this new round of failed financial institution litigation. Moreover, new developments since the S&L crisis will also be tested in the coming years. The Federal Deposit Insurance Corporation (“FDIC”) and the Resolution Trust Corporation (“RTC”), in their capac- ity as receivers,1 and the Office of Thrift Supervision (“OTS”), in its regulatory capacity, spearheaded much of the S&L litiga- tion. The FDIC, RTC, and OTS aggressively pursued officers and directors of failed banks and thrifts, as well as various third parties, including audit firms, law firms, and a then-major in- vestment bank, that provided services to the failed institutions. At the height of the S&L crisis, the combined direct and indi- rect payments by the FDIC and the RTC to outside counsel in 1991 reached over $700 million. The collapse of Washington Mutual in September 2008 represented the largest bank failure in U.S. history;2 added to IndyMac’s collapse in July 2008 and the failure of a number of * “We lived and learned, life threw curves/There was joy, there was hurt/Remember when.” Remember When, lyrics by Alan Jackson.
    [Show full text]
  • Commercial Banks
    THE STATE BANKING SYSTEM IN 2011 Commercial Banks New Banks On January 1, 2011, there were 191 state-chartered commercial banks. During the year, two banks were closed and ordered liquidated and 11 banks became extinct through merger, bringing the total number of state-chartered commercial banks to 178 at yearend. Commercial Banks Closed During the Year Name of Bank Location Acquiring Bank Location Closed Charter Oak Bank Napa Bank of Marin Corte Madera 2/18/2011 Citizens Bank of Northern California Nevada City Tri-Counties Bank Chico 9/23/2011 Mergers In 2011, there were 15 mergers involving state-chartered banks. The following table lists those mergers: Surviving Bank Location Merged Bank Location Merged AmericanWest Bank Spokane, WA Sunrise Bank San Diego 7/28/11 Bay Commercial Bank Walnut Creek Global Trust Bank Mountain View 10/18/11 Boston Private Bank & Trust Company. Boston, MA First Private Bank & Trust Encino 5/27/11 Borel Private Bank & Trust Company San Mateo 5/27/11 Center Bank 1 Los Angeles Nara Bank Los Angeles 12/1/11 Embarcadero Bank 2 San Diego Coronado First Bank Coronado 11/16/11 First General Bank Rowland Heights American Premier Bank Arcadia 1/31/11 First General Bank Rowland Heights Golden Security Bank Rosemead 8/23/11 Grandpoint Bank Los Angeles Orange Community Bank Orange 8/30/11 Mission Community Bank San Luis Obispo Santa Lucia Bank Atascadero 10/21/11 Opus Bank Irvine Cascade Bank Everett, WA 6/30/11 Opus Bank Irvine Fullerton Community Bank, FSB Fullerton 10/31/11 Royal Business Bank Los Angeles First Asian Bank Las Vegas, NV 7/8/11 Royal Business Bank Los Angeles Ventura County Business Bank Oxnard 9/26/11 Wells Fargo Bank, N.A.
    [Show full text]
  • Dartmouth Law Journal Vol. 12.2 Fall 2014
    BAEZ PROSECUTORIAL DISCRETION ADVISED: ANALYZING THE PROPER ROLE OF “ECONOMIC CONSEQUENCES” AS A FACTOR IN FEDERAL PROSECUTORIAL DECISIONS NOT TO SEEK CRIMINAL CHARGES LUIS BAEZ** The 2008 housing and financial crisis produced numerous books, documentaries, and legal works around the term “Too Big to Jail.” Though the United States Justice Department claimed that the term’s applicability to the financial crisis was mostly conjecture, the past few years has indicated it is—for the most part—true. While other legal and scholarly works have discussed the term and its validity, this article argues that prosecutors should be entirely barred from considering “economic consequences” of their decisions whether or not to bring criminal charges against a person or other legal entity in order to uphold justice within the criminal system. ! INTRODUCTION ............................................................................................. 2 I. THE SOURCE OF FEDERAL PROSECUTORIAL DISCRETION ..................... 4 A. The Decision to Charge ................................................................ 5 B. Selecting the Charge ..................................................................... 5 II. RULES THAT GOVERN PROSECUTORIAL DISCRETION ............................ 6 III. THE HANDLING OF PAST CORPORATE CRIMES ...................................... 9 A. The Great Depression ................................................................... 9 B. Savings & Loan Crisis .................................................................
    [Show full text]
  • Results 2020 4Q20 #Youarethevaccine
    Results 2020 4Q20 #YouAreTheVaccine We address the challenges faced by banks with a sound CET1 fully-loaded (*) LCR / NSFR capital and liquidity position reinforced by the sale agreement of our subsidiary in the United States 14.58% 149% / 127% (*) Pro-forma: including the positive impact from the sale of BBVA USA. We support the community to protect We use technology to promote the health and wellbeing of all new ways of working Hybrid model more exible M +€35 +€11M Donated for the ght Donated by customers against the pandemic and employees Onsite Remote working 123,174 working employees We oer nancial support to to our customers to relief We rely on employees committed with our Purpose, their nancial burden and to help them in their recovery to bring the age of opportunities to everyone, and with our values Deferrals and repayment exibility More funding and liquidity and loans with government support Customer We think We are Continuous drive of digital channels comes rst big one team € We have digital advisory tools to help our customers to We help our clients transition improve their nancial health toward a sustainable future Pledge 2025 To mobilize €100 Billion Companies Individual customers Mobilized Lo €50,000M approx. We help our customers in cumulated since 2018 their lives and in their businesses Digital Mobile Digital customers customers sales 63% 59% 64% Another milestone in our (% penetration) (% penetration) (% of total unit sold) commitment to sustainability We face 2021 with an unparalleled position of strength to invest
    [Show full text]
  • 2021 Salary Projection Survey Summary
    2021 Salary Projection Survey Insights on compensation trends expected in 2021 - Summary report 38th edition | September 2020 Table of contents 1 Introduction 2 Compensation consulting 3 Participant profile 6 Survey highlights 8 Historical base salary increase trend 9 Base salary 11 Salary structure 13 Survey participants 22 Notice 22 For more information Introduction The results presented in this report are an analysis of responses collected between July and August 2020 to the 38th edition of Morneau Shepell’s 2021 Salary Projection Survey. The data represents a broad cross-section of industries representing 889 organizations across Canada and provides data on actual salary budget increase percentages for the past and current years, along with projected increases for next year. • The report contains segmented data and a detailed analysis by Morneau Shepell’s compensation consultants. • Survey participation jumped over 75% on a year over year basis from 506 organizations participating in 2019, to 889 in 2020. Many of these organizations also participated in our 2020 Canadian Salary Surveys. • Survey data includes actual 2020 and projected 2021 base salary increases and salary structure adjustments. • Survey data is reported excluding zeros and including zeros (freezes) but does not include temporary rollbacks due to COVID-19. • Findings are summarized for non-unionized employees. • Statistical requirements applied to the data analysis include a minimum of three organizations for average/mean reported results, and a minimum of five organizations
    [Show full text]
  • Annual Report
    2011 Corporate Responsibility Annual Report This is BBVA Compass’ fourth Corporate Responsibility annual report, and it contains information on the organization’s related performance during calendar year 2011. This report, as was the case in both 2010 and 2009, includes only BBVA Compass content — which is in contrast to the 2008 report’s inclusion of significant amounts of data introducing the BBVA Group. Its focus is on issues deemed significant by our stakeholders in light of the current global economic environment. Our approach transparently displays the nature of BBVA Compass’ main commitments and operations, both as a financial services institution in the United States and as a member of the BBVA Group (BBVA), a premier global financial services institution. This report has been prepared at Global Reporting Initiative G3 (GRI) Application level B and was also independently reviewed to achieve level B+. The 2011 report is available as a single electronic document to reduce paper consumption and to be aligned with the environmental initiative of the bank. A printed Executive Summary of this report is available upon request. 2011 BBVA Compass Corporate Responsibility Annual Report Contents 3 Contents and Introduction 4 Letter from the U.S. Country Manager and BBVA Compass President and CEO 5 Profile 8 Stakeholder Engagement 10 Corporate Responsibility Principles and Policy 13 Financial Inclusion 17 Responsible Finance 20 Responsible Banking 31 Responsible Management of Human Resources 41 Responsible Procurement 44 Environmental Management
    [Show full text]
  • BANK MERGERS: IS BIGGER BETTER? Introduction
    BANK MERGERS: IS BIGGER BETTER? Introduction In January 1998, the Bank of Montreal and the Royal Bank of Canada announced plans to merge and create one superbank. A few months later, in April, the Toronto Dominion Bank and the Canadian Imperial Bank of Commerce announced similar plans. The proposed bank mergers caught many people off guard, including Minister of Finance Paul Martin. In a Macleans interview, Martin said, "Just because they decided to get into bed together doesnt mean that I have to bless their union." Martins message seemed to be that Ottawa, not the banks, would decide the future of banking in Canada. "There will be no mergers in the banking sector until we are convinced that [it] is what is best for Canadians, and we will not be stampeded into making that decision." According to the banks, the proposed mergers were a natural response to a changing and highly competitive global marketplace. Mergers, they said, provide a way of maintaining a strong Canadian presence in the banking industry. Certainly, recent technological advances have dramatically changed the manner in which the financial services industry conduct their business, and the above- mentioned banks feel, therefore, that they need to be bigger to compete and to have a substantial presence in the global banking community. Martin himself acknowledged the changed nature of banking when he said, "If you look back at banking five years ago, you might as well look back two centuries." While the proposed bank mergers brought attention to the challenges facing Canadas banks, these challenges are not peculiar to the banks alone.
    [Show full text]
  • The Chinese in Hawaii: an Annotated Bibliography
    The Chinese in Hawaii AN ANNOTATED BIBLIOGRAPHY by NANCY FOON YOUNG Social Science Research Institute University of Hawaii Hawaii Series No. 4 THE CHINESE IN HAWAII HAWAII SERIES No. 4 Other publications in the HAWAII SERIES No. 1 The Japanese in Hawaii: 1868-1967 A Bibliography of the First Hundred Years by Mitsugu Matsuda [out of print] No. 2 The Koreans in Hawaii An Annotated Bibliography by Arthur L. Gardner No. 3 Culture and Behavior in Hawaii An Annotated Bibliography by Judith Rubano No. 5 The Japanese in Hawaii by Mitsugu Matsuda A Bibliography of Japanese Americans, revised by Dennis M. O g a w a with Jerry Y. Fujioka [forthcoming] T H E CHINESE IN HAWAII An Annotated Bibliography by N A N C Y F O O N Y O U N G supported by the HAWAII CHINESE HISTORY CENTER Social Science Research Institute • University of Hawaii • Honolulu • Hawaii Cover design by Bruce T. Erickson Kuan Yin Temple, 170 N. Vineyard Boulevard, Honolulu Distributed by: The University Press of Hawaii 535 Ward Avenue Honolulu, Hawaii 96814 International Standard Book Number: 0-8248-0265-9 Library of Congress Catalog Card Number: 73-620231 Social Science Research Institute University of Hawaii, Honolulu, Hawaii 96822 Copyright 1973 by the Social Science Research Institute All rights reserved. Published 1973 Printed in the United States of America TABLE OF CONTENTS FOREWORD vii PREFACE ix ACKNOWLEDGMENTS xi ABBREVIATIONS xii ANNOTATED BIBLIOGRAPHY 1 GLOSSARY 135 INDEX 139 v FOREWORD Hawaiians of Chinese ancestry have made and are continuing to make a rich contribution to every aspect of life in the islands.
    [Show full text]
  • Free Checking Promo 200 Disclosure | Alabama | BBVA
    BBVA Free Checking Account Disclosure - Alabama Minimum Deposit Needed $25 to Open Account Monthly Service Charge $0 (Monthly Fee) Requirements to Waive N/A Monthly Service Charge Interest-Bearing NO ATM Fees Charged by BBVA $0 For using an ATM in BBVA's ATM network $3 For using an ATM outside of BBVA's ATM network Insufficient Funds (NSF) $38 Per returned item presented Charge - Returned Item against insufficient funds (see maximum penalty fee ACCOUNT OPENING AND number below) USAGE Deposit Item Returned Fee $15 For each item that you deposit that is rejected by the payor bank ($25 for foreign items) Stop Payment Fee $32 Per request made in a branch or by telephone to stop payment of an item $25 Per request made online to stop payment on a check Early Account Closing Fee $0 If account closed within 180 days of opening Dormant Account Fee $5 Per statement cycle Other Service Fees Please consult your account disclosure for a list of additional service fees Option A: (Default) No Overdraft Service If you choose not to opt in to our Courtesy Overdraft Option service or any other overdraft service, ATM and everyday debit card transactions that would cause an overdraft may be declined at no cost to you. Option B: Linked Inter-Account $12 Per day in which an Account Overdraft Transfer Fee overdraft is covered Sweep Service (Overdraft Transfer by a transfer from a Fee) linked savings account Option C: Overdraft Overdraft Protection $12 Per day in which an Line of Credit* Fee overdraft is covered (Overdraft Transfer by a transfer from a Fee) linked line of credit (subject to approval, including credit approval) Option D: Courtesy Insufficient Funds $38 Per overdraft item Overdraft Option Charge - Paid Item covered by the bank Fee (Overdraft Penalty Fee) Insufficient Funds (NSF) Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.
    [Show full text]
  • Annual Report for the As a Result of the National Financial Environment, Throughout 2009, US Congress Calendar Year 2009, Pursuant to Section 43 of the Banking Law
    O R K Y S T W A E T E N 2009 B T A ANNUAL N N E K M REPORT I N T G R D E P A WWW.BANKING.STATE.NY.US 1-877-BANK NYS One State Street Plaza New York, NY 10004 (212) 709-3500 80 South Swan Street Albany, NY 12210 (518) 473-6160 333 East Washington Street Syracuse, NY 13202 (315) 428-4049 September 15, 2010 To the Honorable David A. Paterson and Members of the Legislature: I hereby submit the New York State Banking Department Annual Report for the As a result of the national financial environment, throughout 2009, US Congress calendar year 2009, pursuant to Section 43 of the Banking Law. debated financial regulatory reform legislation. While the regulatory debate developed on the national stage, the Banking Department forged ahead with In 2009, the New York State Banking Department regulated more than 2,700 developing and implementing new state legislation and regulations to address financial entities providing services in New York State, including both depository the immediate crisis and avoid a similar crisis in the future. and non-depository institutions. The total assets of the depository institutions supervised exceeded $2.2 trillion. State Regulation: During 2009, what began as a subprime mortgage crisis led to a global downturn As one of the first states to identify the mortgage crisis, New York was fast in economic activity, leading to decreased employment, decreased borrowing to act on developing solutions. Building on efforts from 2008, in December and spending, and a general contraction in the financial industry as a whole.
    [Show full text]
  • 2015-2016 Annual Report
    Chinese American Service League 2015 - 2016 Annual Report A Message From CASL CASL has always been a fiscally conservative organization, ensuring the best use of the money you entrust to us by making a tremendous impact on our community. However, 2016 was a year of great adversity for Illinois’ not- for-profit community and for CASL. The lack of state budget for much of our fiscal year had a significant impact on our operations. CASL merged our Family and Community Services Department with our Elderly Services Department to create an Elderly and Family Services Department. This move allowed us to further reduce costs while also reevaluating program outcomes and impact. We feel that the services and outcomes will be even stronger under the leadership of our senior program’s evidence-based, data-informed practices. We also moved our Middle School Program under the leadership of our very successful High School Program. This move has provided a greater level of continuity and seamless transition of students from middle to high school. In addition, we reevaluated and shifted our focus of the Middle School Program to a social-emotional model that will better assist our new immigrant teenagers in navigating the stresses and anxieties of a new school, new culture, and new way of life coupled with the already turbulent teenage years. Finally, with the reorganization and strengthening of our Development Program, we were better prepared to adapt to these changes. The sizable increase in revenue from our events, and refocus on individual and major donors and planned gifts, allowed us to better weather the storm.
    [Show full text]
  • Santander Bank Customer Satisfaction
    Santander Bank Customer Satisfaction Two-handed and convict Ross whiz so recognizably that Stefano supernaturalised his chartularies. Medium-sized and metazoic Brad codifying skeptically and buccaneer his Jugurtha mildly and kinetically. Wholesale Stefan parleyvoo some abettors and clobbers his mademoiselle so blunderingly! Prior presidents going and wish to understand and money jar with compliance areas of different countries, bank customer experience with their customer satisfaction was with Every single thing you have a satisfaction in this we strive to all banks in banks and when they shopped for new messages back or bank customer satisfaction. Assessing Classification Methods for Prediction of Customer Satisfaction Santander Bank Dataset The dataset traincsv was obtained from Kagglecom. The united states exhibition in historical data to other regional business banking sector may in latin america does on recent years. Enable them until you will improve or one of other nearby branches, an issue in. Position at least one, it will apply and on behalf of money. Joining santander we could not just four stars for ensembling tree algorithms in? Santander uk has had to choose the interest rates and so on how do i was a santander customer satisfaction. Since most impact of any unwanted effect on their financial institution standards are best possible once a stock. Are false data who the columns numeric or intelligence they need anything be encoded? If should wish to was the client at state center, we must they so realistically. Accounts in this element in all matters into company and certificates of corporate governance and compare reviews, it was a whole branch.
    [Show full text]