The Cummins focus on innovation began with the company's creation in 1887. Much has changed since those early days, but our dedication to providing top quality products, backed by great service, remains the cornerstone of our company. Cummins is more than a company. It's a community -- a dynamic, global network of talented people, loyal customers and progressive leaders -- all dedicated to setting new standards of excellence in the handling and processing of money.

IBW Financial Corporation operates as the holding company of Industrial Bank, National Association (Bank). The Bank provides a range of commercial and consumer lending services primarily to individuals and small businesses. It also offers a variety of loans for the needs of small businesses, including accounts receivable lines of credit, Small Business Administration loans, and equipment loans. The Bank also provides a range of deposit services to its customers, including personal checking; low activity student checking.

The Bank of Yokohama concentrates its operations in its native Kanagawa prefecture and southern portions of neighboring Tokyo. The bank offers standard retail services such as deposits, housing loans, credit cards, securities brokerage, and investment products and advice. On the commercial side, it provides small and medium-sized commercial financing, including venture capital investment. The bank also has units that offer leasing and factoring. The Bank of Yokohama, which was formed in 1920, operates more than 600 Japanese branches, plus representative offices in Hong Kong, London, New York, and Shanghai. It is opening shared branches in a joint venture with Hamagin Tokai Tokyo Securities.

Laurentian Bank of Canada offers commercial and consumer banking services from more than 150 branches, located mostly in Quebec. Residential mortgages account for about half of the bank's loan portfolio; personal loans are more than a third. Other retail products include checking and savings accounts, mutual funds, and Visa cards. The bank also has some 30 commercial banking centers that serve small to midsized businesses, real estate developers, and agricultural concerns. Subsidiary B2B Trust provides supplies financial products to financial planners, advisors, and brokers.

Alliance Financial Corporation is the holding company for Alliance Bank, which operates about 30 branches in central New York. Targeting individuals and small to midsized businesses, the bank offers such deposit products as checking and savings accounts, IRAs, and CDs. Its loan and lease portfolio mainly contains residential mortgages (about 30%), commercial loans (nearly 25%), and indirect auto loans (around 20%). The company provides commercial equipment leasing in more than 30 states through its Alliance Leasing subsidiary. Alliance Financial also operates a trust department that manages some $1 billion worth of investment assets.

The Mie Bank caters to the Mie and Aichi Prefectures with its some 75 branches and 8 consolidated subsidiaries, offering the conventional array of banking products such as deposits, securities, loans, and other related offerings. Key subsidiary Miegin Sogo-Lease represents all of the bank's leasing operations while other subsidiaries include Miegin Institute of Research, Miegin Card, Miegin Mortgage Service, and Miegin Office Support. The bank was established in 1895 as the Yokkaichi Bank; it eventually changed its name to its current moniker in 1939.

Republic First Bancorp is the holding company for Republic First Bank (dba Republic Bank), which serves southeastern Pennsylvania and southern New Jersey from a dozen branches. The bank targets individuals and small to midsized businesses, offering standard deposit products including checking and savings accounts, money market accounts, IRAs, and CDs. Commercial mortgages account for more than 70% of the company's loan portfolio, which also includes consumer loans, business loans, and residential mortgages. Republic First and Metro Bancorp scrapped plans to merge in 2010 due to regulatory difficulties. Undaunted, the company is still looking to expand in New Jersey and plans to open new branches.

Established on 26 January 1959 under the Central Bank of Malaysia Act 1958 (CBA 1958).The CBA 1958 has been repealed by the Central Bank of Malaysia Act 2009 which became effective on 25 November 2009. It is a statutory body wholly owned by the Government of Malaysia with the paid-up capital progressively increased, currently at RM100 million. The Bank reports to the Minister of Finance, Malaysia and keeps the Minister informed of matters pertaining to monetary and financial sector policies.

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%.

S&T Bancorp is the bank holding company for S&T Bank, which serves customers from more than 50 branch offices in western Pennsylvania. Targeting individuals and local businesses, the bank offers such standard retail products as checking, savings, and money market accounts; CDs; and credit cards. Business loans, including commercial mortgages, make up more than two-thirds of the company's loan portfolio; the bank also originates residential mortgages, construction loans, and consumer loans. Through subsidiaries, S&T Bank sells life, disability, and property/casualty insurance; provides investment management services; and manages the Stewart Capital family of mutual funds.

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