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ARCHIVE | Criteria | Financial Institutions | Request for Comment: Standard & Poor's Risk-Adjusted Capital Framework For Financial Institutions Jul 08

  • ID: 1711245
  • July 2008
  • Standard & Poors

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Abstract
Standard & Poor's Ratings Services is updating the way it evaluates the capital adequacy of financial institutions worldwide. So far, we've published information on our general framework for risk-adjusted capital analysis and methodology for refining the computation of capital. This report provides further details on the approach, calibration methodology, and risk parameters we're using to construct our global risk-adjusted capital framework (RACF). Additional information can be found in "Credit FAQ: Standard & Poor's Addresses Frequently Asked Questions About Its Risk-Adjusted Capital Ratio," and "Trading Losses At Financial Institutions Underscore Need For Greater Market Risk Capital," both published April 15, 2008, on RatingsDirect. The RACF will allow calculation of the Standard & Poor's risk-adjusted capital ratio (RAC), which will provide a...

Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.

Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.

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- Massachusetts Development Finance Agency
- National Rural Utilities Cooperative Finance Corp.
- American Express Co.
- BOK Financial Corp.
- Bank of Hawaii Corp.
- Bank of New York Mellon Corp.
- Bank of North Dakota
- Deutsche Bank Trust Corp.
- H&R Block Inc.
- CIT Group Inc.
- Credit Agricole S.A.
- Comerica Inc.
- Commerce Bancshares Inc.
- Credit Foncier de France
- Natixis S.A.
- Springleaf Finance Corp.
- Deutsche Bank AG
- Dresdner Bank AG
- Regions Financial Corp.
- BancWest Corp.
- Ford Motor Credit Co. LLC
- Real Industry Inc.
- General Electric Capital Corp.
- Ally Financial Inc.
- Leucadia National Corp.
- HSBC USA Inc.
- Merrill Lynch & Co. Inc.
- HSBC Bank PLC
- Bank of America Corp.
- National Australia Bank Ltd.
- National City Corp.
- National Westminster Bank PLC
- Northern Trust Corp.
- Wells Fargo & Co.
- PNC Financial Services Group
- PACCAR Financial Corp.
- Private Export Funding Corp.
- Royal Bank of Canada
- State Street Corp.
- Toronto-Dominion Bank
- U.S. Trust Co. of New York
- Zions Bancorporation
- The Royal Bank of Scotland N.V.
- Australia and New Zealand Banking Group Ltd.
- Bank of Montreal
- BNP Paribas
- Bear Stearns Cos. LLC
- BBVA Compass Bancshares, Inc.
- JPMorgan Chase Bank N.A.
- Credit Lyonnais
- Danske Bank A/S
- Eksportfinans ASA
- First Horizon National Corp.
- General Electric Capital Services Inc.
- Huntington Bancshares Inc.
- HSBC Bank USA N.A.
- Danske Bank PLC
- The Royal Bank of Scotland PLC
- Skandinaviska Enskilda Banken AB (publ)
- Societe Generale
- State Street Bank and Trust Co., Boston, MA
- Swedbank AB
- Textron Financial Corp.
- Nordea Bank Finland PLC
- Westpac Banking Corp.
- Fannie Mae
- Barclays Bank PLC
- Bayerische Landesbank
- Commonwealth Bank of Australia
- U.S. Bancorp
- First Tennessee Bank N.A. Memphis
- Synovus Bank
- Compass Bank
- National City Bank, Cleveland, OH
- Zions First National Bank, Salt Lake City, UT
- Bank of New Zealand
- Credit Agricole Corporate and Investment Bank
- Canadian Imperial Bank of Commerce
- Fifth Third Bancorp
- KeyBank N.A.
- BB&T Corp.
- Caisse des Depots et Consignations
- SunTrust Banks Inc.
- KeyCorp
- Norinchukin Bank
- Daiwa Securities Group Inc.
- Bank of Ireland
- Commerzbank AG
- Nomura Securities Co. Ltd.
- Korea Exchange Bank
- Credit Industriel et Commercial
- BNY Mellon N.A.
- Pohjola Bank PLC
- National Bank of Canada
- Rabobank Australia Ltd.
- Lloyds Bank PLC
- Caisse centrale Desjardins
- Svenska Handelsbanken AB
- Federal Home Loan Bank of San Francisco
- Lehman Brothers Holdings Inc.
- Morgan Stanley
- M&I Marshall & Ilsley Bank
- Gulf International Bank B.S.C.
- First-Citizens Bank & Trust Co.
- Banque Federale des Banques Populaires
- Mitsubishi UFJ Trust and Banking Corp.
- Royal Trust Corp. of Canada
- National Bank of Kuwait S.A.K.
- First National Bank of Omaha
- UniCredit SpA
- DBS Bank Ltd.
- Banca Monte dei Paschi di Siena SpA
- Banca Toscana SpA
- Western Corporate Federal Credit Union
- Federal Home Loan Bank of New York
- Old National Bancorp
- Southwest Corporate Federal Credit Union
- BancorpSouth Bank
- Rabohypotheekbank N.V.
- Countrywide Financial Corp.
- Federal Home Loan Bank of Seattle
- Dexia Credit Local
- Legg Mason Inc.
- Hitachi Capital Corp.
- Central Corporate Credit Union
- Standard Chartered Bank
- Arab Banking Corp. B.S.C.
- State Bank of India
- Allied Irish Banks PLC
- JPMorgan Chase & Co.
- Credit Agricole CIB Australia Ltd.
- 3i Group PLC
- UniCredit Bank Austria AG
- Bank of the West
- Federal Home Loan Bank of Topeka
- 3i PLC
- Commerzbank International S.A.
- National Consumer Cooperative Bank
- Alliance & Leicester PLC
- DIAC S.A.
- American Savings Bank FSB Honolulu HI
- Citigroup Inc.
- Dexia Crediop SpA
- Nykredit Realkredit A/S
- Banco Santander S.A.
- HSBC Holdings Luxembourg S.A.
- Credit Logement
- Santander UK PLC
- Credit Suisse AG
- Jefferies Group LLC
- Raiffeisen Zentralbank Oesterreich AG
- Caja de Ahorros y Monte de Piedad de Madrid
- BancorpSouth Inc.
- General Mortgage Bank of Sweden (Sveriges Allmanna Hypoteksbank)
- Bradford & Bingley PLC
- Banque Federative du Credit Mutuel
- TCF National Bank
- Credit Suisse Group AG
- Credit Suisse Holdings (USA) Inc.
- Nomura Bank International PLC
- Britannia Building Society
- MUFG Americas Holdings Corporation
- Discover Bank
- Nationwide Building Society
- HSBC Bank Canada
- ING Bank N.V.
- Credit Suisse International
- Yorkshire Building Society
- NRAM PLC
- Banque et Caisse d'Epargne de l'Etat, Luxembourg
- Macquarie Bank Ltd.
- Synovus Financial Corp.
- The Goldman Sachs Group Inc.
- Bank of Western Australia Ltd.
- Caixa Geral de Depositos S.A.
- 3i Holdings PLC
- Bankinter S.A.
- TCF Financial Corp.
- Southeast Corporate Federal Credit Union
- Arcadia Financial Ltd.
- Visa International Service Assn.
- Credit du Nord S.A.
- Santander Holdings U.S.A Inc.
- Caisses d'Epargne Participations
- Doral Financial Corp.
- HSBC Holdings PLC
- DekaBank Deutsche Girozentrale
- Fundacion Bancaria Caja de Ahorros y Pensiones de Barcelona
- Credit Municipal de Paris
- Banque de Financement et de Tresorerie
- BNP Paribas Personal Finance
- NIBC Bank N.V.
- CA Consumer Finance
- Cofidis S.A.
- Caisse Centrale du Credit Mutuel
- Compagnie Financiere du Credit Mutuel
- Freddie Mac
- Franfinance
- Banque Kolb S.A.
- Banque Tarneaud S.A.
- Caisse Centrale de Reescompte
- Webster Financial Corp.
- Deutsche Bank Luxembourg S.A.
- Citibank International Ltd.
- Banco de Sabadell S.A.
- Socram Banque
- Charles Schwab Corp.
- Charles Schwab & Co. Inc.
- CITIC Group Corp.
- Takefuji Corp.
- Suncorp-Metway Ltd.
- FCE Bank PLC
- Citigroup Global Markets Holdings Inc.
- Credipar
- Bank of China Ltd.
- People's United Bank
- Banco de Credito Local de Espana S.A.
- T.C. Ziraat Bankasi A.S.
- Federal Home Loan Bank of Pittsburgh
- Bank of Queensland Ltd.
- HSBC Bank Australia Ltd.
- Adelaide Bank Ltd.
- Eaton Vance Corp.
- ASB Bank Ltd.
- St.George Bank Ltd.
- Locindus S.A.
- Foothill Capital Corp.
- Ulster Bank Ltd.
- ING Bank (Australia) Ltd.
- ANZ Bank New Zealand Ltd.
- OMX AB
- Schroders PLC
- Bank of N.T. Butterfield & Son Ltd.
- Turkiye Garanti Bankasi A.S.
- Caisse Centrale du Credit Immobilier de France
- Compagnie Monegasque de Banque SAM
- HSBC Private Bank (Suisse) S.A.
- Helaba Dublin Landesbank Hessen-Thueringen International
- Capital One Financial Corp.
- Corporate Central Credit Union
- Susquehanna Bancshares Inc.
- Washington Mutual, Inc.
- FirstBank Puerto Rico
- Intesa Sanpaolo SpA
- Bangkok Bank Public Co. Ltd.
- KASIKORNBANK PCL
- FirstMerit Corp.
- S&T Bank
- Downey Financial Corp.
- Morgan Stanley Bank AG
- New York Mercantile Exchange Inc.
- J.P. Morgan Clearing Corp.
- Sanyo Shinpan Finance Co. Ltd.
- Volkswagen Financial Services AG
- Capital Desjardins Inc.
- Credit Foncier et Communal d'Alsace et de Lorraine-Banque
- Bank of Taiwan
- BRED - Banque Populaire
- PT Bank CIMB Niaga Tbk.
- Oversea-Chinese Banking Corp. Ltd.
- Krung Thai Bank Public Co. Ltd.
- Bank of Ayudhya Public Co. Ltd.
- Banco de Chile
- The National Commercial Bank
- Arab National Bank
- Samba Financial Group
- Riyad Bank
- The Saudi British Bank
- Banco Bradesco S.A.
- Shinhan Bank
- Kookmin Bank
- Metropolitan Bank & Trust Co.
- Philippine National Bank
- Rizal Commercial Banking Corp.
- Bank of India
- Canara Bank
- Alpha Bank A.E.
- National Bank of Greece S.A.
- Emporiki Bank of Greece S.A.
- Gulf Investment Corporation G.S.C.
- Turkiye Is Bankasi AS
- Turkiye Vakiflar Bankasi TAO
- Bank Handlowy w Warszawie S.A.
- Bank Leumi le-Israel B.M.
- Israel Discount Bank Ltd.
- Bank Hapoalim B.M.
- Corporate One Federal Credit Union
- Bendigo and Adelaide Bank Ltd.
- National Bank of Dubai
- Emirates Bank International PJSC
- National Bank of Abu Dhabi
- Mashreqbank
- CTBC Bank Co. Ltd.
- Banco de Credito del Peru
- Nederlandse Waterschapsbank N.V.
- Standard Bank of South Africa Ltd.
- Komercni Banka A.S.
- K&H Bank
- OTP Bank PLC
- Absa Bank Ltd.
- Tatra Banka
- Banco Popular Espanol S.A.
- Federal Reserve System
- Banco Hipotecario S.A.
- Caja de Ahorros del Mediterraneo
- Banco Pastor, S.A.
- OCWEN Financial Corp.
- Industrial Bank of Korea
- PT Bank Negara Indonesia (Persero) Tbk.
- DZ BANK AG Deutsche Zentral-Genossenschaftsbank
- Wachovia Mortgage FSB
- Landshypotek Bank AB
- Astoria Bank
- Astoria Financial Corp.
- Dollar Financial Group Inc.
- First Commercial Bank Ltd.
- LGT Bank AG
- Slovenska Sporitelna A.S.
- Commerzbank Europe (Ireland)
- Banco BPI S.A.
- Banco Portugues de Investimento S.A.
- Ceska Sporitelna A.S.
- Taiwan Cooperative Bank Ltd.
- Colonial BancGroup Inc.
- Banca Carige SpA
- Cullen/Frost Bankers Inc.
- Capital One N.A.
- BBVA Banco Continental
- Banca Popolare di Milano SCRL
- Hypothekenbank in Essen AG
- Wuestenrot & Wuerttembergische AG
- Whitney National Bank
- Aljba Alliance
- Banco Santander-Chile S.A.
- Citizens Republic Bancorp Inc.
- National Bank of Egypt
- City National Corp.
- Abu Dhabi Commercial Bank
- Kazkommertsbank JSC
- Halyk Savings Bank of Kazakhstan
- Central-European International Bank Ltd.
- Itau Unibanco Holding S.A.
- Blom Bank sal
- NCT Trust and Banking Corp.
- Master Trust Bank of Japan Ltd.
- Allied Capital Corp.
- LNR Property LLC
- CBRE Services Inc.
- Caja de Ahorros y Monte de Piedad de Gipuzkoa y San Sebastian (Kutxa)
- Caja de Ahorros y Monte de Piedad de Zaragoza Aragon y Rioja (IBERCAJA)
- Commercial International Bank (Egypt) S.A.E.
- DZ Bank Ireland PLC
- DZ PRIVATBANK S.A.
- Arab Tunisian Bank
- Banque de l'Habitat
- Societe Tunisienne de Banque
- Commercial Bank of Kuwait
- AMP Bank Ltd.
- Security Capital Group Inc.
- KBC Bank N.V.
- UBS AG
- Permanent TSB PLC
- Erste Group Bank AG
- China Development Industrial Bank
- BHW Bausparkasse AG Hameln
- Deutsche Genossenschafts-Hypothekenbank AG
- Banco Patagonia S.A.
- ACOM Co. Ltd.
- Landeskreditbank Baden-Wuerttemberg - Foerderbank (L-Bank)
- Deutsche Apotheker- und Aerztebank eG
- Powszechna Kasa Oszczednosci Bank Polski S.A.
- Kredyt Bank S.A.
- Thornburg Mortgage Inc.
- Landesbank Baden-Wuerttemberg
- Woori Bank
- Banque Misr
- Banque Centrale Populaire
- Banque Marocaine du Commerce Exterieur
- Qatar National Bank ALAHLI S.A.E
- Mediobanca SpA
- Nordea Hypotek AB
- Shinkin Central Bank
- Yuanta Commercial Bank
- Fremont Investment & Loan
- Daiwa Securities Capital Markets Co. Ltd.
- Medical Securities Ltd.
- BankMuscat S.A.O.G.
- Fideuram - Intesa Sanpaolo Private Banking SpA
- Navient LLC.
- Santander Bank, N.A.
- NIS Group Co. Ltd.
- Standard Life Bank PLC
- Volkswagen Bank GmbH
- Ageas SA/NV
- Ageas N.V.
- Auswide Bank Ltd.
- BlackRock Inc.
- LaBranche & Co Inc.
- FirstRand Bank Ltd.
- Nova Kreditna Banka Maribor d.d.
- TD AMERITRADE Holding Corp.
- Burgan Bank
- Irish Bank Resolution Corporation Limited
- Associated Banc Corp.
- SNS Bank N.V.
- SMBC Consumer Finance Co. Ltd.
- Groupama Banque
- ING Bank Mexico S.A.
- iStar Financial Inc.
- Piraeus Bank S.A.
- Cassa di Risparmio in Bologna SpA
- Oberoesterreichische Landesbank AG
- KBC Group N.V.
- Bank for Foreign Trade of Vietnam
- United Bulgarian Bank AD
- Iccrea BancaImpresa SpA
- Land Bank of Taiwan
- Sky Bank
- Chuo Mitsui Trust & Banking Co. Ltd.
- Municipal Bank A.D.
- Hypothekenbank Frankfurt International S.A.
- DEPFA Pfandbrief Bank International S.A.
- Nelnet Inc.
- E*TRADE Financial Corp.
- E*TRADE Bank
- Hipotecaria Su Casita S.A. de C.V. SOFOM E.N.R.
- Aargauische Kantonalbank
- JSC AsiaCredit Bank
- Euroclear Bank S.A.
- Millennium Partners L.P.
- Commercial Bank Petrocommerce OJSC
- Waddell & Reed Financial Inc.
- BANA Holding Corp
- Achmea Bank N.V.
- Erste Europaeische Pfandbrief- und Kommunalkreditbank AG
- JPMorgan Securities Japan Co. Ltd.
- Iccrea Banca SpA
- International Industrial Bank
- Bank SinoPac
- Nordea Bank AB
- LBBW Dublin Management GmbH
- Santander BanCorp.
- Findomestic Banca SpA
- Banque Cantonale Vaudoise
- Discover Financial Services Inc.
- American Capital Ltd.
- Laurentian Bank of Canada
- IGM Financial Inc.
- Banco do Brasil S.A
- The Depository Trust Company
- National Securities Clearing Corporation
- Mercantile Investment Trust PLC (The)
- National Commercial Bank Jamaica Ltd.
- Yapi ve Kredi Bankasi A.S.
- Morgan Stanley Bank N.A.
- HSBC Private Banking Holdings (Suisse) S.A.
- Sumitomo Mitsui Banking Corp.
- Jyske Bank A/S
- Central 1 Credit Union
- Dundee Corporation
- Neuberger Berman Inc.
- AgFirst Farm Credit Bank
- The Bank of New York Mellon (Luxembourg) S.A.
- Standard Chartered PLC
- Janus Capital Group Inc.
- Schwyzer Kantonalbank
- Migros Bank
- Banca di Bologna
- IBG LLC
- First Corporate Credit Union
- First Citizens Bank Ltd.
- UniCredit Leasing SpA
- Sony Bank Inc.
- HBOS PLC
- Cassa di Risparmio di Cento SpA
- Nomura Holdings Inc.
- Basler Kantonalbank
- Citigroup Overseas Holdings Inc.
- Ulster Bank Ireland Ltd.
- Dubai Islamic Bank
- Rabobank New Zealand Ltd.
- Bank of North Georgia
- Compagnie Europeenne de Garanties et Cautions
- BAC Bahamas Bank
- Nuveen Investments Inc.
- Basellandschaftliche Kantonalbank
- Shinhan Card Co. Ltd.
- Kiwibank Ltd.
- MDM Bank (pre-merger)
- Bank of China (Hong Kong) Ltd.
- Nurbank JSC
- ATF Bank
- TD Bank N.A.
- Surgutneftegasbank
- Greater Bay Bancorp
- UDC Finance Ltd.
- Mizuho Bank Ltd.(Old)
- Centro Leasing Banca SpA
- Deutsche Postbank AG
- TSB Bank Ltd.
- New York Community Bancorp Inc.
- New York Community Bank
- Trustmark Corp.
- UniCredit Luxembourg S.A.
- Discount Bank Latin America S.A.
- Chittenden Corp
- China Development Financial Holding Corp.
- Bank of America Merrill Lynch International Limited
- TransCreditBank
- CTBC Financial Holding Co. Ltd.
- Graubuendner Kantonalbank
- Gulf Bank
- Lloyds Banking Group PLC
- Russian Standard Bank JSC
- Banco Bilbao Vizcaya Argentaria Puerto Rico
- Luzerner Kantonalbank
- F. van Lanschot Bankiers N.V.
- International Bank of Saint-Petersburg
- Canadian Derivatives Clearing Corp.
- UBS Ltd.
- Confederacion Espanola de Cajas de Ahorros
- NTT Finance Corp.
- Banque Accord
- Mitsubishi UFJ Financial Group Inc.
- Asigna Compensacion y Liquidacion
- Hana Bank
- Caja de Ahorros de Valencia, Castellon y Alicante
- Greater Building Society Ltd.
- St.George Bank New Zealand Ltd.
- Sumitomo Mitsui Banking Corp. Europe Ltd.
- Barclays Private Clients International Ltd.
- HSH Nordbank AG
- Santander Consumer Finance S.A.
- Khanty-Mansiysk Bank Otkritie
- Istituto per il Credito Sportivo
- EAA Covered Bond Bank Public Ltd Co.
- IMB Ltd.
- Gazprombank
- Mizuho Financial Group Inc.
- Bank SOYUZ
- Tsesnabank
- Iccrea Holding SpA
- Societe Generale Bank & Trust
- Cooperativa Del Personal de La Universidad de Chile Ltda-Coopeuch Ltda
- First Midwest Bancorp Inc.
- Vision Banco S.A.E.C.A.
- UniCredit Corporate Banking SpA
- Wing Hang Bank Ltd.
- Sumitomo Mitsui Financial Group Inc.
- SVB Financial Group
- Crediveneto Credito Cooperativo SCRL
- Credito Trevigiano Banca di Credito Cooperativo
- Banca Padovana Credito Cooperativo S.C.
- OFG Bancorp
- Rusfinance Bank
- Al Ahli Bank of Kuwait
- Ural Bank for Reconstruction and Development
- Rosbank OJSC JSCB
- Argenta Spaarbank N.V.
- Newcastle Permanent Building Society Ltd.
- Republic Bank Ltd.
- Trust & Custody Services Bank Ltd.
- ACE Cash Express Inc.
- Banco Espirito Santo de Investimento S.A.
- Icahn Enterprises L.P.
- First Financial Holding Co. Ltd.
- MoneyGram International
- Countrywide Bank FSB
- Promsvyazbank OJSC
- Magyar Takarekszovetkezeti Bank ZRt.
- Macquarie International Finance Ltd.
- Banca Akros SpA
- CentroCredit Bank JSC
- E-L Financial Corp. Ltd.
- Kuwait Finance House
- Corpbanca S.A.
- AIB Group (U.K.) PLC
- BTA Ipoteka Mortgage Co.
- Banco Security
- Rural Bank Ltd.
- Local Government Financial Services Pty Ltd.
- Kreissparkasse Miesbach-Tegernsee
- Qatar National Bank
- Fixed Income Clearing Corp.
- Banque Cantonale de Geneve
- Banco Santander Totta S.A.
- Suhyup Bank
- CMP-Banque
- Clydesdale Bank PLC
- Manulife Bank of Canada
- ForteBank JSC
- Triad Financial Corp.
- GFNZ Group Ltd.
- Home Building Society Ltd.
- JSC Eurasian Bank
- HSBC Private Bank (Monaco) S.A.
- DriveTime Automotive Group Inc.
- Barclays Bank Ireland PLC
- Challenger Ltd.
- Banca Aletti & C. SpA
- Morgan Stanley Bank International Ltd.
- VP Bank AG
- The International Banking Corp.
- AXA Bank Europe S.A.
- Home Capital Group Inc.
- Cassa di Risparmio della Provincia di Teramo SpA
- Deutsche Bausparkasse Badenia AG
- Bank of South Pacific Ltd.
- Saxon Capital Inc.
- LPL Holdings Inc.
- National Factoring Co.
- Deutsche Securities Inc.
- BMI Bank B.S.C.
- Storebrand Bank ASA
- Banque Saudi Fransi
- Glitnir Bank
- J.G. Wentworth LLC
- Rail Leasing
- CME Group Inc.
- Westpac Europe Ltd.
- Coface Finanz GmbH
- The Commercial Bank of Qatar
- The Saudi Investment Bank
- Gulf Finance House
- National Wealth Management Holdings Ltd.
- Banco BAC de Panama S.A.
- Banco Pine S.A.
- SOTSGORBANK
- PJSC KREDOBANK
- Arcapita Bank
- Bank of Georgia
- HSBC Bank A.S.
- Sharjah Islamic Bank
- BNP Paribas Personal Finance EAD
- Fiji Development Bank
- Westpac New Zealand Ltd.
- Chrysler Financial Services Americas LLC
- Peach Holdings Inc.
- F&C Asset Management PLC
- Banco Industrial e Comercial S.A.
- Banca Mifel S.A.
- Temirbank JSC
- Guaranty Trust Bank PLC
- RBC Investor Services Ltd.
- KazInvestBank
- South Canterbury Finance Ltd.
- Primus Guaranty Ltd.
- Hyundai Card Co. Ltd.
- Arab Bank PLC (Dubai)
- Europe Arab Bank PLC
- Arab Bank PLC (Bahrain)
- Arab Bank PLC (Qatar)
- Arab Bank PLC (Cyprus)
- Arab Bank PLC
- OMFinancial Ltd.
- First Bank of Nigeria PLC
- Banque Jacob Safra (Suisse) S.A.
- Marfin Popular Bank Public Co. Ltd.
- Bankas Snoras
- Standard Chartered Bank (China) Ltd.
- Euronet Worldwide Inc.
- Broadridge Financial Solutions Inc.
- CapitalSource Inc.
- LCH.Clearnet Group Ltd.
- AKTIVBANK AG
- Krayinvestbank
- Asset Acceptance Capital Corp.
- Hang Seng Bank (China) Limited
- Allianz Banque
- MF Global Holdings Ltd.
- Banco IBI S.A. - Banco Multiplo
- Citibank Japan Ltd.
- Deerfield Triarc Capital Corp.
- Equitable Mortgages Ltd.
- AB Ukio Bankas
- Intercontinental Bank PLC
- Mizuho Bank (China) Ltd.
- Barclays PLC
- Banca Nazionale del Lavoro SpA
- Banca IMI SpA
- CommBank Europe Ltd.
- Bayerische Landesbodenkreditanstalt
- Marsico Parent Holdco LLC
- Doha Bank Q.S.C.
- The Bank of East Asia (China) Limited
- Marshall & Ilsley Corp.
- UBS Commodities Canada Ltd.
- Zenith Bank PLC
- RAC Finance Ltd.
- Babcock & Brown International Pty Ltd.
- Nadra Bank
- Co-operative Bank (The)
- mecu Ltd.
- HDFC Bank Ltd.
- ORDA Credit
- Angas Securities Ltd.
- Syndicate Bank
- GP Investments Ltd.
- Downey S&L Assn.
- Wachovia Corporation
- UMB Financial Corp.
- Manufacturers & Traders Trust Co.
- Federal Home Loan Bank of Boston
- Federal Home Loan Bank of Des Moines
- Federal Home Loan Bank of Atlanta
- Federal Home Loan Bank of Chicago
- Federal Home Loan Bank of Cincinnati
- Federal Home Loan Bank of Indianapolis
- Federal Home Loan Bank of Dallas
- RBC Centura Bank
- Edison Funding Co.
- Banco Popular de Puerto Rico
- Wheels Inc.
- Ellco Leasing Corp.
- Options Clearing Corp.
- SunCorp Corporate Credit Union
- Eastern Corporate Federal Credit Union
- Esanda Finance Corp. Ltd.
- CBFC Ltd.
- Franklin Resources Inc.
- Stadshypotek AB
- Valley National Bancorp
- General Motors Financial Co. Inc.
- Banca Agricola Mantovana SpA
- Credit Suisse (International) Holding AG
- Aiful Corp.
- Wilmington Trust Corp.
- Cedyna Financial Corp.
- Volkswagen Finans Sverige AB
- Power Corp. of Canada
- Affiliated Managers Group Inc.
- Lantbrukskredit AB
- Renaissance Capital Holdings Ltd.
- Credomatic International Corp.
- Fubon Financial Holding Co. Ltd.
- Hyundai Capital Services Inc.
- Cathay Financial Holding Co. Ltd.
- Caisse de depot et placement du Quebec
- Nacional Monte de Piedad I.A.P.
- Banco Internacional de Costa Rica S.A.
- Capmark Financial Group Inc.
- Raymond James Financial Inc.
- Instituto Para La Proteccion al Ahorro Bancario
- European Trust Bank
- CITIC International Financial Holdings Ltd.
- Eurofidi Scpa
- Asociacion de Empleados del Estado Libre Asociado de Puerto Rico
- GSCP (NJ) L.P.
- ShinGinko Tokyo Ltd.
- Euronext N.V.
- Public Sector Pension Investment Board
- Investment Company Veles Capital LLC
- Shamil Bank of Bahrain
- Banco G & T Continental S.A.

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