General Information

1. CONTAINER DIMENSIONS
2.  INCOTERMS
3.  Banking Information
4.  What is swift code?
5.  What is libor rate?
6.  Banking Dictionary
7. Bankers

INCOTERMS

 Incoterms 2010

An abbreviation of “International Commercial Terms” published by the International Chamber of Commerce. It is a set of rules for the interpretation of the most commonly used trade terms in foreign trade which parties to a contract can agree upon to avoid misunderstandings, disputes and litigation.

• DDP, Delivered Duty Paid
• DAT, Delivered at terminal
• DAP, Delivered at place
• CIP, Carriage and Insurance paid to
• CPT, Carriage paid to
• CIF, Cost Insurance and Freight
• CFR, Cost and Freight
• FOB, Free on board
• FAS, Free Alongside Ship
• FCA, Free Carrier
• EXW, Ex Works

TERMS OF CONTAINER DELIVERING

 CFR: Cost and Freight (named port of destination)

“Cost and freight” means that the seller delivers when the goods pass the ship’s rail in the port of shipment. The seller must pay the costs and freight necessary to bring the goods to the named port of destination but the risk of loss of or damage to the goods, as well as any additional costs due to events occurring after the time of delivery, are transferred from the seller to the buyer. The CFR term requires the seller to clear the goods for export. This term can only be used for sea and inland waterway transport. If the parties do not intend to deliver the goods across the ship’s rail, the CPT term should be used.

CIF: Cost, Insurance and Freight (named port of Destination)

“Cost, insurance and freight,” means that the seller delivers when the goods pass the ship’s rail in the port of shipment. The seller must pay the costs and freight necessary to bring the goods to the named port of destination but the risk of loss of or damage to the goods, as well as any additional costs due to events occurring after the time of delivery, are transferred from the seller to the buyer. However, in CIF the seller also has to procure marine insurance against the buyer’s risk of loss of or damage to the goods during the carriage. Consequently, the seller contracts for insurance and pays the insurance premium. The buyer should note that under the CIF term the seller is required to obtain insurance only on minimum cover. Should the buyer wish to have the protection of greater cover, the buyer would either need to agree as much expressly with the seller or to make his/her own extra insurance arrangements? The CIF term requires the seller to clear the goods for export. This term can be used only for sea and inland waterway transport. If the parties do not intend to deliver the goods across the ship’s rail, the CIP Term should be used.

CIP: Carriage and Insurance Paid to (named place of destination)

” Carriage and insurance paid to ….” means that the seller delivers the goods to the carrier nominated by the seller, but the seller must in addition pay the cost of carriage necessary to bring the goods to the named destination. This means that the buyer bears all risks and any additional costs occurring after the goods have been so delivered. However, in CIP the seller also has to procure insurance against the buyer’s risk of loss of or damage to the goods during the carriage. Consequently, the seller contracts for insurance and pays the insurance premium. The buyer should note that under the CIP term the seller is required to obtain insurance only on minimum cover. Should the buyer wish to have the protection of greater cover, the buyer would either need to agree as much expressly with the seller or to make his/her own extra insurance arrangement,” Carrier” means any person who, in a contact of carriage, undertakes to perform or to procure the performance of transport, by rail, road, air, sea, inland waterway or by a combination or such modes. If subsequent carriers are used for the carriage to the agreed destination, the risk passes when the goods have been delivered to the first carrier. The CIP term requires the seller to clear the goods for export. This term may be used irrespective of the mode of transport, including multimodal transport.

CPT: Carriage Paid To (named place of destination)

” Carriage paid to …. ” means that the seller delivers the goods to the carrier nominated (by the seller) but the seller must in addition pay the cost of carriage necessary to bring the goods to the named destination. This means that the buyer bears all risks and any other costs occurring after the goods have been so delivered. ” Carrier” means any person who, in a contract of carriage, undertakes to perform or to procure the performance of transport, by rail, road, air, sea, inland waterway or by a combination of such modes. If subsequent carriers are used for the carriage to the agreed destination, the risk passes when the goods have been delivered to the first carrier. The CPT term requires the seller to clear the goods for export. This term may be used irrespective of the mode of transport including multimodal transport.

DAT: “Delivered at Terminal

” means that the seller delivers when the goods once unloaded from the arriving means of transport, are placed at the disposal of the buyer at a named terminal at the named port or place of destination.” Terminal” includes any place, whether covered or not, such as a quay, warehouse, container yard or road, rail or air cargo terminal. The seller bears all risks Involved in bringing the goods to and unloading the, at the terminal at the named port or place of destination. The parties are well advised to specify as clearly as possible the terminal and, if possible, a specific point within the terminal at the agreed port or place of destination, as the risks to that point are for the account of the seller. The seller is advised to procure a contract of carriage that matches this choice precisely.

 DAP: ‘Delivered at place

” means that the seller delivers when the goods are placed at the disposal of the buyer on the arriving means of transport ready for unloading at the named place of destination. The seller bears all risks involved in bringing the goods to the named place. The parties are well advised to specify as clearly as possible ate point within the agreed place of destination, as the risks to that point are for the account of the seller. The seller is advised to procure contracts of carriage that match this choice precisely. If the seller incurs costs under its contract of carriage related to unloading at the place of destination, the seller is not entitled to recover such costs from the buyer unless otherwise agreed between the parties.

DDP: Delivered Duty Paid (named place of destination)

” Delivered duty paid ” means that the seller delivers the goods to the buyer, cleared for import, and not unloaded from any arriving means of transport at the named place of destination. The seller has to bear all the costs and risks involved in bringing the goods thereto including, where applicable, any ” duty” (which term includes the responsibility for an the risk of the carrying out of formalities, customs duties, taxes and other charges) for import in the country of destination. Whilst the EXW term represents the minimum obligation for the seller, DDP represents the maximum obligation. This term should not be used if the seller is unable directly or indirectly to obtain the import license. However, if the parties wish to exclude from the seller’s obligations some of the costs payable upon import of the goods (such as value-added tax: VAT), this should be made clear by adding explicit wording to this effect in the contract of sale. If the parties wish the buyer to bear all risks and costs of the import, the DDU term should be used. This term may be used irrespective of the mode of transport but when delivery is to take place in the port of destination on board the vessel or on the quay (wharf), the DES or DEQ terms should be used.

EXW: Ex Works (named place)

“Ex works” means that the seller delivers when the goods are placed at the disposal of the buyer at the seller’s premises or another named place (i.e. works, factory, warehouse, etc.) not cleared for export and not loaded on any collecting vehicle. This term represents the minimum obligation for the seller, and the buyer has to bear all costs and risks involved in taking the goods from the seller’s premises. However, if the parties wish the seller to be responsible for the loading of the goods on departure and to bear the risks and all the costs of such loading, this should be made clear by adding explicit wording to this effect in the contract of sale. This term should not be used when the buyer cannot carry out the export formalities directly or indirectly. In such circumstances, the FCA term should be used, provided the seller agrees to load at his/her cost and risk.

FAS: Free alongside Ship (named port of Shipment)

” Free alongside ship” means that the seller delivers when the goods are placed alongside the vessel at the named port of shipment. This means that the buyer has to bear all costs and risks of loss of or damage to the goods from that moment. The FAS term requires the seller to clear the goods for export. This is a reversal from previous incomer’s versions which required the buyer to arrange for export clearance. However, if the parties wish the buyer to clear the goods for export, this should be made clear by adding explicit wording to this effect in the contract of sale. This term can be used only for sea or inland waterway transport.

FCA: Free Carrier (named place)

” Free Carrier” means that the seller delivers the goods, cleared for export, to the carrier nominated by the buyer at the named place. It should be noted that the chosen place of delivery has an impact on the obligations of loading and unloading the goods at that place. If delivery occurs at the seller’s premises, the seller is responsible for loading. If delivery occurs at any other place, the seller is not responsible for unloading. This term may be used irrespective of the mode of transport, including multimodal transport. ” Carrier” means any person who, in a contract of carriage, undertakes to perform or to procure the performance of transport by rail, road, air, sea, inland waterway or by a combination of such modes. If the buyer nominates a person other than a carrier to receive the goods, the seller is deemed to have fulfilled his obligation to deliver the goods when they are delivered to that person.

FOB: Free On Board (named port of shipment)

” Free on board” means that the seller delivers when the goods pass the ship’s rail at the named port of shipment. This means that the buyer has to bear all costs and risks of loss of or damage to the goods from that point. The FOB term requires the seller to clear the goods for export. This term can be used only for sea or inland waterway transport. If the parties do not intend to deliver the goods across the ship’s rail, the FCA term should be used.

THE TERMS OF CONTAINER DELIVERING BY SHIPPING LINE

The next main abbreviations are adopted in the commercial practice for line transportations between ports:

• FIOS — free in/out (loading/discharging is at consigner’s cost);
• FIFO — Free in/Free out (vide FIOS);
• FILO — Free in/Liner out (loading is at consigner’s cost, discharging is at liner cost);
• LIFO — Liner in/Free out (loading is at liner cost, discharging is at consigner’s cost);
• LILO — Liner in/out (loading and discharging is at liner cost).

Depending on the shipping line or a particular port practice the different surcharges can be added to rate:

• CAF (Currency Adjustment Factor) is a fee applied to the shipping costs to compensate for exchange rate fluctuations;
• BAF (Bunker Adjustment Factor) refers to floating part of sea freight charges which represents additions due to oil prices;

Wharf age is a port duty;

• CUC (Chassis Using Charge) is a duty for using chassis;
• Documentation Fee is a duty for executing documents, etc.
• Depending on shipping line extension of activity in the given territory, container can be delivered to the container yard located nearby port or to the hinterland. In addition, it can be delivered to the client’s “door”. Taking it into account the next additional terms can be added to the main line ones:
• FICY — Free in/Container yard (loading is at consigner’s cost, delivering is provided to container yard);
• LI-Door — Liner in / Door (loading is at liner cost, delivering is provided to client’s door).

As a rule if line provides door-to-door container delivering it hardly ever stuff or un-stuff

Banking Information

This page is intended to be as a guide only, to help you with the L/C process.

To purchase our products, the following information is required, for a letter of credit ( L/C ),For further questions feel free to contact us. Print this page out for your bank. After completion of this form, issuance of the L/C and transmission of the L/C from your good bank, kindly fax us a copy for our review, in case of any discrepancies.

Bank Guide & FORMAT FOR L/C OPENING
This page is intended to be as a guide only, to help you with the L/C process, to purchase our products, the following information is required, for a letter of credit (L/C), for further questions feel free to contact us. Print this page out for your bank. After completion of this form, issuance of the L/C and transmission of the L/C from your good bank, kindly fax us a copy for our review, in case of any discrepancies.

Banking Dictionary:

Letter of Credit (L/C)

Credit instrument issued by a bank guaranteeing payments on behalf of its customer to a Beneficiary normally to a third party but sometimes to the bank’s customer, for a stated period of time and when certain conditions are met. A letter of credit substitutes the bank’s credit for the credit of another party, for example, an importer or exporter, who is authorized to write drafts up to a specified amount, payable by the issuing bank. Letters of credit are widely used in banking, originating with the commercial letter of credit in trade financing. Importers and exporters wanted assurances that merchandise delivered would be paid for by the buyer, a requirement that was met by obtaining a bank letter of credit. The buyer purchases a letter of credit, which is then forwarded to a correspondent bank in the city where payment is to be made. In trade financing, the bank drafts authorized under the issuing bank’s letter of credit are frequently accepted by another bank, creating a Banker’s Acceptance and become credit obligations of the accepting bank.

There are several major varieties of letters of credit, each serving a different purpose. A Credit cannot be cancelled before a specific date without agreement by all the parties involved, whereas a revocable letter of credit can be amended at any time by the issuing bank. A Confirmed Letter of Credit carries the endorsement of both the issuing bank and its correspondent, guaranteeing payment of all drafts written against it; an unconfirmed letter of credit, carries no such guarantee that a correspondent will honor drafts presented for payment. A Standby Letter of Credit is a contingent (future) obligation of the issuing bank to make payment to the designated beneficiary if the bank’s customer fails to perform as called for under the terms of a contract. Standby letters, for this reason, are considered Off-Balance Sheet Liabilities in computing bank capital-to-asset ratios. See also Back-To-Back Letters of Credit; Credit Enhancement; Documentary Commercial Bill; Open Account; Red Clause Letter of Credit; Draft; Time; Traveler’s Letter of Credit.

Bankers

Germania Bank

• Deutsche Bundesbank– The Central Bank of Germany.
• Bundesverband Deutscher Banken– The Bundesverband deutscher Banken (BdB) represents the interests of the private commercial banks. Around 300 private commercial banks with more than 200,000 employees and thus – measured in terms of business volume – approximately 35 per cent of the German banking industry are members of the BdB.
• A list of German banks published by Institut für Bankinformatik und Bankstrategie an der Universität Regensburg
• Aachener Bank
• Konto-Direkt der Aachener Bank eG– Internet-Banking of the Aachener Bank.
• ABN AMRO Bank Germany– The network bank in Germany.
• The Advance Bank– The Advance Bank is a German direct bank. It offers a range of innovative, advanced banking products for private customers and aims to address those people who want that little bit more service from their bank.
• Allgemeine Beamten Kasse Kreditbank GmbH
• Allgemeine Deutsche Direktbank– Offers a full range of direct banking services for provate costumers.
• Allianz Vermögens-Bank
• American Express Bank– Direct banking and special services fpr travelling.
• Baden-Württembergische Bank AG
• BBBank – Badische Beamtenbank– The credit-union for private customers only with the most members in whole Europe.
• Bayerische Handelsbank
• Bankgesellschaft Berlin– Informations about the Berliner Bankgesellschaft, investment banking, investor relations and publications contact.
• Bank Girotel– Banking in the 3rd dimension.
• Bankhaus Ellwanger & Geiger– Private Bank founded in 1912 providing banking services, insurances and real estate investments.
• Bankhaus Maffei & Co., München– Private Banking and investment for wealthy costumers.
• Bausparkasse Mainz
• Bawag Bank– Bank für Arbeit und Wirtschaft.
• Bayerische Landesbank, Munich– Bayerische Landesbank Girozentrale, Munich.
• Bayerische Volksbanken und Raiffeisenbanken– Central site of the Bavarian Volksbanken and Raiffeisenbanken.
• Beneficial Bank AG
• Berenberg Bank– Homepage of Germanies oldest Private Bank.
• Berliner Volksbank eG– The Bank for Berlin and Brandenburg.
• Bethmann Bank
• BHF-Bank Aktiengesellschaft– The former “Berliner Handels- und Frankfurter Bank” is now represented in the WWW.
• BHW– BHW offers apart from the products of a buildung loan association many other services like discount broking and insurances.
• Bordesholmer Sparkasse
• Bremer Landesbank– The Bremer Landesbank is a universal bank performing the functions of a commercial bank, a state bank for the Federal State of Bremen and acts as a central bank for the 18 savings banks in its region.
• Cashbox– Banking for insiders.
• Cash-Gate– The bank for the youth established by Kreissparkasse Stendal.
• CC Bank AG
• Citibank
• Comdirect Bank AG– Quickborn
• Commerzbank AG– Homepage of Commerzbank in Germany
• Concord Effekten AG– Eigenkapitaldienstleistungen für den Mittelstand: Börsengang (IPO)Wachstumskapital (Venture Capital) Mergers&Acquisitions (M&A).
• Concord IPOnline
• Consors Schmidt Bank KGaA– Discount Banking
• Credit- und Volksbank eG in Wuppertal-Barmen
• DEG – German Investment and Development Company– DEG promotes private sector development in Africa, Asia, Latin America as well as in Central and Eastern Europe by means of long-term project finance and consultancy services for business cooperation.
• Deutsche Apotheker- und Ärztebank
• Deutsche Bank– Homepage of the Deutsche Bank AG. The Deutsche Bank, as a universal bank with its group companies and affiliates, offers the full range of modern banking services. Apart from deposit taking and lending and issue business, this includes numerous forms of corporate finance, securities and asset management business and trading in foreign exchange and derivatives. Additionally the bank offers advisory services for small and medium-sized companies, the products of a building loan association and a wide variety of insurance products, in particular life insurance.
• Deutsche Bank 24– A daugther company of Deutsche Bank.
• Deutsche Bank Lübeck AG– Private Bank in the north of Germany. The Deutsche Bank AG, Frankfurt, holds about 90% of its capital.
• Deutsche Pfandbrief- und Hypothekenbank
• Deutsche Verkehrsbank AG– Specialised bank for the global transportation sector.
• DG Bank Deutsche Genossenschaftsbank– Homepage of DG Bank, Frankfurt/Main, one of Germany’s top ten banks.
• DG Hyp
• Direkt Anlage Bank– Munich
• Dresdner Bank– Dresdner Bank is Germany’s second largest bank, active in commercial as well as in investment banking. Its virtual banking site offers a broad variety of information about the company itself and a number of financial and banking topics.
• Dresdner Bank Investment Group– Direct Investment Banking.
• DSL Bank– Deutsche Siedlungs- und Landesrentenbank, spezialised in buliding loans for private costumers and special services for companies and other banks.
• Entrium Direct Bankers AG
• Eurohypo – Europaeische Hypothekenbank der Deutschen Bank
• de GmbH Der Baufinanz-Broker
• Frankfurter Sparkasse 1822
• Freyberg & Hambros– Freyberg Hambros is a private German investment banking firm specializing in mergers & acquisitions and raising debt and private equity. Based in Frankfurt/Main, the firm focuses on transactions in Germany and neighbouring countries.
• Gallinat-Bank KG und Gallinat-Leasing GmbH– Private bank and leasing experts from Essen.
• Gries und Heissel– Private bankers in Berlin: all in one financial assets, experts in small caps, weekly market analysis and stock recommendations within the Internet (all pages English and German).
• GZB-Bank– Banking, financial information and venture capital.
• Hamburger Bank von 1861– Electronic Banking, Jobs, News.
• Hamburger Sparkasse – Haspa– Info-service of the Hamburger Sparkasse (Haspa), software download, free account fur pupils and students, homebanking with T-Online.
• Hamburgische Landesbank
• Hausbank München
• Heimstatt Bausparkasse– Building Society of the Hypo-Bank group.
• Heller Bank AG– Specialised in factoring, liquidity management and other financial services for companies.
• HYPO Service-Bank AG– Products, prices, subsidiaries and how to become a costumer.
• HWAG Hanseatisches Wertpapierhandelshaus AG
• HypoVereinsbank
• Hypothekenbank in Essen
• Ibbenbürener Volksbank eG– Live camera of the German stock exchange, Frankfurt.
• IKB – Deutsche Industriebank– Founded in Berlin in 1924 as the ‘Bank for German Industrial Bonds’ (Bank für deutsche Industrie-Obligationen), IKB Deutsche Industriebank AG is a specialist German bank for long-term corporate relationships. Indeed it is the only bank with nationwide coverage in Germany working exclusively with and for business.
• Kreissparkasse Annaberg
• Kreissparkasse Augsburg– Electronic banking, news, services and local information.
• Kreissparkasse Bayreuth-Pegnitz
• Kreis- und Stadtsparkasse Dillingen a. d. Donau
• Kreissparkasse Köln
• Kreissparkasse Hannover
• Kreissparkasse Ludwigsburg
• Kreissparkasse Tübingen
• Landesbank Baden-Württemberg– In German language. Landesbank Baden-Württemberg is a legally independent commercial bank and savings bank under state and federal law. The State of Baden-Württemberg and the City of Stuttgart are its joint and several guarantors. With its staff of 5000 and 236 branches it is the major regional bank, providing – as a universal bank – all the services customary in international and domestic banking. Owing to its refinancing facilities on the liabilities´ side, its particular strength lies in its ability to offer all the types of financing that are in demand today.
• Helaba – Landesbank Hessen-Thueringen Girozentrale– Helaba ranks among Germany’s major banks serving regional and local authorities. The bank functions as central bank for the savings banks of Hesse and Thuringia. A further focal point is major customer business, which Helaba conducts as a commercial bank.
• Landesbank Kiel– Landesbank Kiel (LB Kiel) is the biggest bank in the state of Schleswig-Holstein and one of the biggest banks in Germany. It is a member of the strategic alliance comprising WestLB, Landesbank Baden-Württemberg and Landesbank Rheinland-Pfalz, which complements the Bank`s own resources.
• Landesbank Rheinland-Pfalz– Landesbank Rheinland-Pfalz – Girozentrale -, founded in 1958, is an institution established under public law (rechtsfähige Anstalt des öffentlichen Rechts) and has its headquarters in Mainz.
• LBS – Landesbausparkasse Württemberg
• Landeszentralbank im Freistaat Bayern– Information on German monetary policy (speeches of President Dr. Zeitler, press releases, statistics); recommendation for everybody concerning “Your money”.
• M. Warburg & CO
• Münchener Hypothekenbank eG
• NORD/LB Norddeutsche Landesbank– The Norddeutsche Landesbank Girozentrale (NORD/LB) is a large regional bank with extensive international commitments. In North Germany, it is the number one financial institution. NORD/LB ´s business strategy is focused on the North German, Northern and Northeast European Regions.
• Oldenburgische Landesbank
• Postbank Online– Postbank is a large specialist institute für money transfer and deposit. Today Postbank is going to new fields like investmentfunds, loans and real estate. In the future Postbank is going public.
• Raiffeisenbank Hage-Dornum-Groheide eG
• Raiffeisenbank Neumarkt i. d. OPf. eG– Homebanking and a lot of informations about money!
• Raiffeisen-Volksbank Norden eG
• RVB Faktum Direkt– Internet-Banking of the Raiffeisen-Volksbank eG Mainz. The first bank with HBCI.
• Sachsen LB
• Oppenheim jr. & Cie. Privatbankiers– An independent and over 200 years old Private Bank.
• Santander Direkt Bank AG
• Schleswig-Holsteinische Landschaft Hypothekenbank AG
• SGZ-Bank
• Snet – Sparkassen im Internet
• Société Générale Deutschland– Products and services, finance and research.
• Sparda Bank
• Sparda-Bank Hamburg eG
• Sparda-Bank München
• SparkassenList of all German Sparkassen.
• Sparkasse Bad Salzuflen
• Die Sparkasse Bremen
• Die Sparkasse Bremen – Luxembourg– Many informations about our branch in Luxembourg.
• Sparkasse Erfurt
• Sparkasse Essen– The Sparkasse Essen offers the full range of banking services, electronic banking and software solutions.
• Sparkasse Giessen
• Sparkasse Hochrhein– We offer informations around the money – Internet-Banking – informations about the stock exchange – and many more.
• Sparkasse zu Lübeck
• Sparkasse Muehlviertel West Bank AG– Regionalbank of the Mühlviertels.
• Sparkasse Neu-Ulm-Illertissen
• Sparkasse Offenburg/Ortenau
• Sparkasse Starnberg
• Stadtsparkasse Aichach– Stadtsparkasse Aichach.
• Stadtsparkasse Augsburg
• Stadtsparkasse Bad Honnef
• Stadtsparkasse Bamberg
• Stadtsparkasse Bodenwerder– Banking and local information.
• Stadt- und Saalkreissparkasse Halle
• Stadtsparkasse Köln
• Stadtsparkasse Magdeburg
• Stadtsparkasse München
• Stadtsparkasse Nürnberg
• SYSTRACOM BANK AG
• UGBI Bank United Garanti Bank International N.V.
• Vereins- und Westbank– Vereins- und Westbank is a regional bank with 179 branches in Germany.
• Volksbanken und Raiffeisenbanken – Service Pool– Find Your Volksbank on the Web.
• Volksbank Aachen Süd eG– Information, Homebanking, Investment and Services.
• Volksbank AG im Kreis Böblingen
• Volksbank Ahlen – Sassenberg – Warendorf eG– Innovative institute with direct services.
• Volksbank Bad Zwischenahn eG
• Volksbank Braunschweig eG– Internetbanking with the Volksbank Braunschweig eG.
• Volksbank eG, Neumünster– Internetbanking with the Volksbank eG, Neumünster.
• Volksbank Eichstätt, Ingolstadt, Weißenburg– The bank in the heart of Bavaria.
• Volksbank Franken eG
• Volksbank Göttingen eG
• Volksbank Günzburg eG– Free current account for private costumers.
• Volksbank Hannover eG– Volksbank Hannover was established in 1860. Apart from the classical banking business like credits, deposits, securities trading and foreign transactions, services include mainly insurances, real estate and building society business. The bank operates branch offices in the Hanover region including one on the Hanover fair grounds, and in Luxembourg, as well as an office at the Hanover stock exchange.
• Volksbank Kirnau eG
• Volksbank Kitzingen– We are a local operating bank house in the area of Unterfranken (north of Bavaria). Our motto is: Preserving the Tradition – Organizing the Future. Contact our homepage for further information.
• Volksbank Limbach eG
• Volksbank Lippstadt
• Volksbank Meßkirch eG Raiffeisenbank
• Volksbank Metzingen eG
• Volksbank Nürtingen eG
• Volksbank Ochtrup eG– Internetbanking with the Volksbank Ochtrup eG.
• Volksbank Pforzheim
• Volksbank Schwarzbachtal eG
• Volksbank Stadthagen eG
• Volksbank Walldürn-Hardheim eG
• volkswagen bank direct
• Voweb– Homebanking and Online-account of the Volksbank Weserbergland eG.
• Wasseralfinger Bank
• Westdeutsche Immobilienbank– Financing all necessities around buildings.
• WestLB Westdeutsche Landesbank– WestLB operates as a European wholesale bank in all the major financial centres of the world. Germany is the coremarket. WestLB is the third biggest bank in Germany.
• WGZ-Bank– Market information, products, downloads, venture capital, games.
• Wüstenrot– Top-News about private property and information about the products of the Wüstenrot building society. Free Downloads. The Wüstenrot consultants present themselves on their homepages.

Iranian Bank

Malaysian Bank

List of Licensed Banking Institutions in Malaysia (commercial) in alphabetical order

• Affine Bank Berhad
• Alliance Bank Malaysia Berhad
• Am Bank (M) Berhad
• CIMB Bank Berhad
• Hong Leong Bank Berhad
• Malayan Banking Berhad
• Public Bank Berhad
• RHB Bank Berhad

List of foreign banks (commercial)

List of Licensed Banking Institutions in Malaysia (commercial) in alphabetical order

• BNP Paribas Malaysia Berhad
• Bangkok Bank Berhad
• Bank of America Malaysia Berhad
• Bank of China (Malaysia) Berhad
• Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad
• Citibank Berhad
• Deutsche Bank (Malaysia) Berhad
• HSBC Bank Malaysia Berhad
• India International Bank (Malaysia) Berhad
• Industrial and Commercial Bank of China (Malaysia) Berhad
• P. Morgan Chase Bank Berhad
• Mizuho Bank (Malaysia) Berhad
• National Bank of Abu Dhabi Malaysia Berhad
• OCBC Bank (Malaysia) Berhad
• Standard Chartered Bank Malaysia Berhad
• Sumitomo Mitsui Banking Corporation Malaysia Berhad
• The Bank of Nova Scotia Berhad
• The Royal Bank of Scotland Berhad
• United Overseas Bank (Malaysia) Bhd.

 Russian Bank

• Bank of Russia Today
• Monetary Policy
• Banknotes and Coins
• Information and Analytical Materials
• National Payment System
• Statistics
• Publications
• Regions
• Financial Markets
• Press-center
• RU

Chines Bank

This is a list of incorporated banks in China.

Banks owned by the central government

Banks owned by local governments

• China Minsheng Banking Corp., Ltd.
• Taizhou City Commercial Bank
• SiliBank
• OCBC Wing Hang BankLimited (Banco OCBC Weng Hang, S.A.)

Hong Kong

• Bank of China (Hong Kong)Limited
• Bank of East Asia, Limited (The)
• China Construction Bank (Asia)Corporation Limited
• Chiyu Banking CorporationLimited
• Chong Hing BankLimited
• Citibank (Hong Kong) Limited
• CITIC Ka Wah BankLimited
• Columbia BankLimited
• Dah Sing BankLimited
• DBS Bank (Hong Kong)Limited
• East Asia Banking CorporationLimited
• Fubon Bank (Hong Kong)Limited
• Hang Seng Bank
• Hongkong and Shanghai Banking CorporationLimited (The)
• Industrial and Commercial Bank of China (Asia)Limited
• MEVAS BankLimited
• Nanyang Commercial Bank, Limited
• Public Bank (Hong Kong)Limited
• Shanghai Commercial Bank
• Standard Bank AsiaLimited
• Standard Chartered Bank(Hong Kong) Limited
• Tai Sang Bank
• Tai Yau Bank
• Wing Lung BankLimited
• ABN AMRO(Netherlands) (now RBS China due to de-merging)
• Australia and New Zealand Banking Group
• The Bank of East Asia(Hong Kong)
• The Bank of Tokyo-Mitsubishi UFJ(Japan) *
• Citibank(United States)
• DBS Bank(Singapore)
• Hang Seng Bank(Hong Kong)
• The Hongkong and Shanghai Banking Corporation(Hong Kong – see HSBC Bank (China))
• JPMorgan Chase Bank(United States) *
• Mizuho Corporate Bank(Japan) *
• Oversea-Chinese Banking Corporation(Singapore)
• United Overseas Bank(Singapore)
• Standard Chartered Bank(United Kingdom)
• OCBC Wing Hang Bank(Hong Kong)
• Dah Sing Bank(Hong Kong)
• Woori Bank(South Korea)
• Shinhan Bank(South Korea)
• Hana Bank(South Korea)
• Societe Generale(France)
• Bank of Montreal(Canada)
• Fubon Bank(Taiwan)

Croatian Bank

• Hrvatska Narodna Banka– Central bank of Republic of Croatia.
• Croatian Banking Association– Economic Interest Grouping “Croatian Banking Association” was founded in Zagreb on October 15th, 1999. Thirteen major Croatian banks founded the Association as an independent, professionally run institution with the goal to promote and defend interests of its members and the banking industry as a whole. The Association will adopt a Banking Code of Conduct and will invite other Croatian banks to join as associate members.
• Croatia banka
• Dalmatinska banka dd– Retail and wholesale banking, loans-depozits, on-line internet banking, guarantees, L/C payments etc.
• Kaptol banka
• Privredna Bank Zagreb
• Spliska banka d.d.– Third croatian bank, based in Dalmatia, recently acquired by UniCredito Italiano Group.
• Varazdinska banka d.d.– Varazdinska banka is the dominant banking institution of northwest Croatia. According to base capital, it is the third biggest Croatian Bank.
• Zagrebacka banka dd– Zagrebacka Banka d.d., today the leading bank in Croatia according to assets, innovation and financial indicators, began its operations back in 1914 under the name of “The City Savings Bank”. In 1977, the bank became Zagrebacka Banka, continuing a tradition that continues to this day of providing secure high quality and innovative financial services to individuals, small businesses and corporations.