Copyright The Asian Banker All rights reserved AustraliaSingaporeHong KongTaiwan Leading banks in Internet Banking (selective countries) ING Direct Comprehensivenes s,its ease-of-use. Straightforward in overall process and interaction flows. Good interface designs and elements, Excellent navigation systems ANZ Bank Very clear segmentation, strong usability and search engine performance, quick and easy online application processes Strong internet banking security features Citibank Simple 2-3 step application for products online, strong promotion and marketing capability Good revenue potential HSBC Very strong revenue performance and call to action, highly usable design and excellent Search Engine metrics Chinatrust Strong revenue performance and linkage to wealth management business Integrated portal of trading, insurance and banking Multi country account aggregation Japan eBank Success in remote processing, technology receptiveness, strong settlement business, good customer acquisition Sony Bank Focused on asset based products, less susceptibility to market fluctuations Shinsei Bank Very strong sign up rate and linkage to wealth management strong promotion program with good online sales growth The Banks We Like Source: Asian Banker Research

Copyright The Asian Banker All rights reserved FinlandNorwaySweden Leading banks in Internet Banking (selective countries in Europe) OP Bank Group Strong customer sign up rate and fully integrated in multi channel strategy. Pioneering online innovations such as strong banking authentication technology with smart card and digital certificate built in tech. Nordea Bank Provider of personalized internet banking services, and standout in corporate customer service and low cost e-service. Den Norske Bank a founding member of ATRIAX, earning fame from its consumer internet banking services, making initiative by partnering with Telenor in a mobile internet banking project called Doorstep. SpareBank 1 Alliance with HP/BEA in its online banking system, achieved high customer satisfaction rate in its savings and online transaction Nordea Bank The leading provider of internet banking in the world, providing tailored service to personal and corporate customers. Distinguished through its Next Generation Solo system, including high security, multi- bank,multi-countries and language support features and customization and personalization services. Ikanobanken Internet niche market player, Providing whole range of banking services online, has a good word-of-mouth for its user experience Netherlands ING Direct Online saving services, offering simple financial products online. successful in capturing market share, good revenue growth ABN Amro Earn a reputation for the convenience, safety and product variety for its transaction banking services US Bank of America Largest internet bank in USA, strong initiatives in personalized interaction and customer retention, good growth, continual service enhancement Wells Fargo It has successfully gathered high penetration rate with its efficient online processes. Bank has new initiative like virtual second life for better customer satisfaction Wachovia Leading online bank, continual investments in improving technology, security and service quality, process optimization, customer convenience. The Banks We Like Source: Asian Banker Research