Founded in 1889 as a building and loan association, the bank offers traditional retail products such as savings, NOW, checking, and money market accounts; IRAs; and CDs. Real estate loans make up about 85% of the bank's lending activities; it also writes business and consumer loans. Through affiliations with Fenimore Asset Management and Essex Corp., Greene County Bancorp offers investment products. Subsidiary Greene County Commercial Bank is a state-chartered limited purpose commercial bank. This company helps put the "green" in upstate New York. Greene County Bancorp is the holding company for The Bank of Greene County, serving New York's Catskill Mountains region from about a dozen branches.

Desert Schools Federal Credit Union operates more than 50 locations in the Phoenix area, serving more than 370,000 members. Established in 1939 by a group of 15 teachers, the credit union offers traditional banking products and services, including checking, savings, and money market accounts, certificates of deposit, and credit cards. Its lending activities include home mortgage, vehicle, personal, and student loans, as well as business loans and lines of credit. Subsidiary Desert Schools Financial Services provides investment advisory, retirement, insurance, and tax planning services.

Kearny Financial is the holding company for Kearny Federal Savings Bank, which has some 40 branches in northern New Jersey. Kearny Federal Savings Bank offers such standard services as checking and savings accounts, CDs, ATM and debit cards, IRAs, and loans. Residential mortgages make up about two-thirds of its loan portfolio; multifamily and commercial mortgages and home equity loans round out most of the rest. Kearny also invests in mortgage-backed securities, government and municipal bonds, and other securities. In 2010 the company acquired Central Jersey Bancorp for $72.3 million, adding 13 branches to its branch network. Mutual holding company Kearny MHC owns some 70% of Kearny Financial.

Deutsche Postbank is claiming its post as one of Germany's leading retail banks. Spun off from postal service provider Deutsche Post in 2004, the bank offers deposits, loans and mortgages, asset management, insurance, and commercial finance, including factoring and leasing services, through more than 850 branches; it also offers some services through post office locations. The bank performs payment processing services as well, with rivals including Deutsche Bank among its biggest customers. Outside Germany, Deutsche Postbank offers banking services in Luxembourg and structured finance products to companies in North America. Deutsche Bank controls just over half of the bank.

The banking division of Hong Kong's Dah Sing Group, DSBG operates three subsidiaries (Dah Sing Bank, Banco Comercial de Macau, and MEVAS Bank), a securities trading company, and a joint venture private banking business with SG Hambros Bank, which provides offshore private banking services. The bank's services include savings accounts, credit cards, loans, and e-banking. Dah Sing Bank has nearly 50 branches in Hong Kong, more than a dozen branches in Macau, and a handful of locations in China. It also owns about 20% of China's Bank of Chongqing, with 70 locations. Fellow Dah Sing Group subsidiary Dah Sing Financial Group owns DSBG.

Standard Chartered PLC provides consumer and wholesale banking products and services to individuals, small and medium enterprises, corporate, and institutional customers. It offers savings accounts, demand drafts, foreign exchange services, safe deposit boxes, and telegraphic transfers; personal loans and mortgages; credit cards; life, savings and retirement planning, health and medical, home, motor, and travel insurance; and investment advisory and international banking services. The company also provides private and priority banking; cash management, treasury services; trade finance and working capital, including import, export, and cross-border financing services; business installment loans and mortgages; transaction banking, financial markets, and corporate finance services; custody services; and Saadiq Islamic banking services, as well as Internet banking services. As of December 31, 2009, it operated approximately 1,700 branches and outlets, and 5,679 ATMs primarily in India, Hong Kong, Singapore, South Korea, Malaysia, Africa, the Americas, and Europe, as well as in the United Arab Emirates, Bahrain, Qatar, Oman, Jordan, Lebanon, Pakistan, Bangladesh, and Sri Lanka. The company was founded in 1853 and is headquartered in London, the United Kingdom.

The Hokuetsu Bank, Ltd.,the regional bank's nearly 90 offices serve the individuals and businesses of the Niigata prefecture, which is rebounding from a flood and earthquake (in 2004) and a record snowfall (in 2005). The bank primarily operates within Niigata, but also has locations in Gunma, Saitama, and Tokyo. In addition to traditional banking services, Hokuetsu Bank and its subsidiaries are active in credit cards, credit guarantee, data processing, leasing, and economic research.

Synovus has a nose for community banking. The holding company owns about 30 banks offering deposit accounts and consumer and business loans in Alabama, Florida, Georgia, South Carolina, and Tennessee. Through more than 325 locations, the banks and other Synovus subsidiaries provide deposits, loans, credit cards, insurance, and asset management services. It has traditionally maintained separate charters and local boards of directors for its subsidiary banks. However, in 2010 Synovus consolidated all of its charters into one. The change was made in order to reduce complexity and improve efficiency.

Pennsylvania State Employees Credit Union (PSECU) holds the key to state employee savings in the Keystone State. The largest credit union in Pennsylvania, it provides deposit products, loans, and credit cards to approximately 350,000 members. As its name implies, the credit union serves state workers, teachers, and students. PSECU's offerings include checking and savings accounts, mortgages, auto and personal loans, and IRAs.

FirstRand's FirstRand Bank Holdings operates FirstRand Bank and First National Bank in southern Africa, as well as asset financing firm WesBank and investment bank Rand Merchant Bank. FirstRand Limited owns and operates more than 750 branches and approximately 6,000 ATMs in South Africa, Botswana, Lesotho, Mozambique, Namibia, Swaziland, and Zambia. It also has a presence on every continent except Antarctica, with an international focus on Asia, Australia, the Middle East, and the UK. The company's activities encompass retail and private banking, corporate and investment banking, insurance, and asset management.

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