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Skandinaviska Enskilda Banken (SEB) operates through four divisions: merchant banking, retail banking, asset management, and life insurance (Trygg Liv) through some 670 offices in a dozen countries, primarily nations in Northern Europe. SEB also has offices in such money centers as London, Paris, Shanghai, and Singapore. SEB's merchant banking division targets large corporations and other financial institutions. Business offerings include cash management, financing, foreign exchange, leases, credit card services, and payroll administration. SEB offers individuals mortgages, auto loans, credit cards, and other products.

Slovenska sporitea (translates as Slovak Savings), the largest commercial bank in Slovakia, provides commercial and international banking services from more than 300 branches throughout the Slovak Republic. It offers its individual customers standard deposit products, credit cards, loans and mortgages, and investment funds. Its private banking arm provides asset management services. Slovenska sporitea also serves commercial clients ranging from entrepreneurs and small businesses to large and multi-national corporations. The bank is a wholly-owned subsidiary of Austria's oldest bank, Erste Bank.

Societe Generale wants to be top brass in the French banking industry. The bank (familiarly known as SocGen) commands a three-pronged campaign, with operations in global investment management (including SG Private Banking and majority-owned online brokerage Boursorama); retail banking and specialized financial services, including finance, leasing, and insurance; and corporate and investment banking, focusing on European capital markets, derivatives, and structured finance. In the US, the company controls asset manager The TCW Group. SocGen has about 3,000 branches in France (including its Credit du Nord division), and some 5,300 locations worldwide.

Sparkasse Dachau,the regional savings bank ("Sparkasse" is German for "savings bank") offers a variety of personal banking services, including savings accounts and real estate financing, as well as auto, accident, health, homeowners', and life insurance. It also operates its own travel agency. The bank traces its roots as far back as the 1880 founding of its predecessor, the Marktsparkasse Dachau; it attained its current form in 2000 when the Kreis- und Stadtsparkasse Dachau-Indersdorf merged with the Marktsparkasse Altomunster. Sparkasse Dachau touts itself as the leading credit instituion in the Dachau administrative region.

St. Galler Kantonalbank (SGKB) is one of Switzerland's largest cantonal banks, or banks backed by regional governments (in this case, St. Galler and Appenzell Ausserrhoden cantons). Customers include individuals, institutions, and retailers. In the cantonal system, more than 20 banks compete for the 30% of market share not hogged by commercial giants Credit Suisse and UBS. In 2006 SGKB entered into an agreement with Luzerner Kantonalbank for the development of IT for both banks. Founded in 1868, SKGB floated as a public company in 2001. Some 60% of the company is owned by the Canton of St. Galler. It acquired Anglo Irish Bank (Suisse) AG, subsidiary of Anglo Irish Bank in 2008.

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