Bank Pembangunan Malaysia, the government-owned bank's primary mandate is to provide financing for infrastructure, maritime, and high-tech projects. Infrastructure loans account for about 85% of the bank's lending activity. Former subsidiary SME Bank, which focuses on lending and other financial services for small and medium-sized enterprises, was separated from Bank Pembangunan in 2008. The demerger allows Bank Pembangunan to focus on core services. Its remaining subsidiary Global Maritime Ventures (GMV) provides venture capital for the maritime industry. Bank Pembangunan, which was founded in 1974, offers conventional and Islamic financing services.

Davenham has discontinued its property finance division, which has historically accounted for more than half of the company's sales. Davenham often says "yes" when the banks say "no." The company provides asset-based loans, primarily to small and midsized businesses in the UK. Davenham's trade finance division provides working capital loans, including short-term letters of credit, while its asset finance unit provides loans to buy or lease machinery and equipment. Subsidiary Manor Credit finances commercial vehicles, vans, and fleet cars. Davenham Group plc makes loans primarily to contractors, distributors, importers, manufacturers, and wholesalers who are not able to get financing from traditional lenders.

Bank of Communications (BoCom) is one of the largest commercial banks in China, based on total assets. The company offers services in corporate banking, personal banking, and treasury operations; offerings include personal savings accounts, personal loans, corporate loans, trade financing, wealth management, e-banking, and credit card services. BoCom has a network of some 2,700 branches in more than 80 major cities -- including overseas branches in New York, Tokyo, and Singapore, and representative offices in London and Frankfurt. The bank is also one of the oldest in China. HSBC Holdings holds close to a 20% interest in BoCom.

Finacity is a world-class expert in accounts receivable securitizations for companies in the U.S. and abroad, specializing in structuring, administration, and reporting. We optimize our clients' working capital by offering competitive liquidity and financing terms, off-balance sheet treatment, state-of-the-art credit management and risk mitigation, and bulk and distressed sale opportunities, and alternative liquidity solutions for non-securitized assets. Finacity has facilitated the funding and reporting for over $30 billion in annual receivables flow with obligors in more than 80 countries.Finacity is an independent company that benefits from the resources and expertise of strategic partners that include leading providers of banking, global trade and risk mitigation services. Founding partners include ABN AMRO Bank, Euler Hermes ACI, Bank of America, AMROC Investments, and Kleiner Perkins Caufield & Byers. Headquartered in Stamford, Connecticut, with offices in New York and London, our sales network extends throughout North America, the European Union, Latin America, emerging Europe, and Asia.

Erste & Steiermarkische Bank (ESB) is banking on the fiduciary habits of native Croatians. The Croatia-based bank caters to individuals and small- and medium-sized businesses through more than 120 branches; services include Internet banking for retail and corporate clients. When the bank first opened in 2002, it had few direct competitors, but today as the competitive landscape has changed, the bank's clientele have had more banking choices and have asserted their loyalty to ESB. The company has a more than 10% market share. Erste Bank owns 555% of Erste & Steiermarkische; Steiermarkische Bank und Sparkassen owns about 40%.

First State Bank was originally chartered in 1909 to serve the local and surrounding agrarian community of Chilton, Texas. In 1987, the institution was relocated to the nearby urban community of Temple. Since that time First State Bank has engaged in a strategy of market expansion, opening branches throughout Central Texas. The efforts during the last 20 years have resulted in an annual asset growth rate of 24%, an increase in shareholder equity of over 380%, and expanding the operating market from the original base in Bell and It offers home mortgages and insurance through agreements with local providers.

PVF Capital is the holding company for Park View Federal Savings Bank, which operates some 20 offices in Cleveland and northeastern Ohio. Founded in 1920, the thrift offers such standard retail banking services as checking, savings, money market, NOW accounts, CDs, and IRAs. Commercial real estate loans account for about a quarter of the company's loan portfolio; single- to four-family residential mortgages make up another quarter. The company also writes home equity, construction, multifamily mortgage, and land loans. In 2007 fellow Ohio-based bank United Community Financial announced plans to buy PVF Capital, but both parties terminated the deal when it was not completed by an agreed-upon closing date.

ACC Capital helps companies ease their leasing quandaries. The lender specializes in structuring, originating, and servicing equipment and operating leases, sale-leaseback transactions, and other leasing products for established middle-market companies. Typical transactions range from $15,000 to $15 million. The company targets the manufacturing, construction, mining, transportation, printing, telecommunications, restaurant, and food processing industries. ACC also serves a network of brokers that sells its products, providing funding, documentation, tax analysis, and legal advice, as well as direct origination through private-label programs.

Central Federal Corporation is the holding company for CFBank. Traditionally a retail-focused savings and loan, CFBank has added business banking, commercial real estate, and business lending to its foundation. It now serves not only local individuals, but also businesses through five branches in eastern Ohio and the state capital, Columbus. Its deposit products include checking, savings, NOW, and money market accounts, as well as CDs. Commercial, commercial real estate, and multifamily residential mortgages represent nearly 80% of the company's loan portfolio. Single-family mortgages make up about 13% of loans. CFBank traces its roots to 1892.

Southside Bancshares operates deep in the heart of Texas. It's the holding company for Southside Bank, which serves East Texas through about 35 branches, with a concentration in the cities of Tyler and Longview. About half of its branches are located in supermarkets (including Albertsons and Brookshire stores), and many offer extended hours. The bank provides traditional services such as savings, money market, and checking accounts, CDs, and other deposit products, as well as trust and investment services. Real estate loans make up more than half of the company's loan portfolio, which also includes business, consumer, and municipal loans.

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