1. ©2006. Private and confidential 1 Globalisation and the experience of proximity banking Gerry Schipper 21 st WSBI World Congress Kuala Lumpur, Malaysia September 21, 2006 3

2. ©2006. Private and confidential 2 Introductory remarks Six presentations, seven presenters Q&A Timing Report-back Agenda 3

3. ©2006. Private and confidential 3 Enrique Rodriguez Javier Gavito Mohar Dato’ Azim Zabidi Prof Santiago Carbo-Valverdi and Jose-Maria Mendes Neil A Thomas Dr. Jochen Brautigam Panel 3

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5. 2006. Private and confidential 5 Market Drivers New Asset Classes Retirement Market Payments: P&L Pain or Pride Emerging Markets Internal Controls Offshoring Process and Service innovation Tax, accounting and financial reporting 2006 Private and confidential Market DriversOperational Challenges

6. ©2005. Private and Confidential Deloitte & Touche LLP is authorised and regulated by the Financial Services Authority Member of Deloitte Touche Tohmatsu Deloitte & Touche LLP is authorised and regulated by the Financial Services Authority.