Textron Financial Corporation company provides customer financing programs for golf carts and aircrafts manufactured by its parent, Textron. It mainly offers loans, finance leases, and operating leases for the purchase of new Cessna airplanes, Bell helicopters, and E-Z-GO golf equipment. Due to poor market conditions in 2008 the company stopped offering asset-based lending, distribution finance, golf course mortgages, resort financing, and structured capital. However, Textron Financial still manages a portfolio of receivables from that business.

South Africa's largest bank, Standard Bank Group Limited offers a variety of retail and commercial banking, corporate and investment banking, investment management, and life insurance services through more than 600 locations in its home country. The bank also has some 400 additional branches in other sub-Saharan African nations, where it operates as Stanbic. Beyond Africa, the bank has offices in more than 15 countries on five continents. It serves individuals and business and corporate customers. Standard Bank holds a controlling stake in South African insurance firm Liberty Group.

Guaranty Federal Bancshares, Inc. operates as the holding company for Guaranty Federal Savings Bank that provides banking services in Greene and Christian Counties in southwest Missouri. Its deposit products include fixed-term certificates of deposit, savings, money market, individual retirement accounts, and NOW (checking) accounts. The company’s loan portfolio comprises commercial real estate loans, multi-family residential mortgage loans, construction loans, permanent one-to four-family residential mortgage loans, business loans, consumer loans, and other loans consisting of loans secured by certificates of deposit, home equity loans, and automobile loans. It operates through a main office in Springfield, Greene County; six full-service branch offices and an operations center in Springfield; two full-service branch offices in Nixa, Christian County; and one full-service branch office in Ozark, Christian County, as well as maintains a network of 22 automated teller machines. Guaranty Federal Bancshares, Inc. was founded in 1913 and is based in Springfield, Missouri.

Access Capital gives business owners access to much needed capital. The business lender offers accounts receivable financing, asset-based lending, factoring, and receivables management. Clients include owners of growing service industry businesses such as software developers, manufacturers, maintenance and security guard companies, limousine companies, and temporary agencies. Business owners typically use Access Capital funding for inventory, staffing, payroll, marketing, debt restructuring, and reorganization. Unlike some commercial lenders, Access Capital does not require borrowers to relinquish equity or pledge personal collateral.

Citigroup, Inc., a global financial services company, provides consumers, corporations, governments, and institutions with a range of financial products and services, including consumer banking, credit cards, corporate and investment banking, securities brokerage, and wealth management. The company has two primary segments, Citicorp and Citi Holdings. The Citicorp segment operates as a global bank for businesses and consumers with two primary businesses, Regional Consumer Banking and Institutional Clients Group. The Regional Consumer Banking business provides traditional banking services, including retail banking, branded cards, and small commercial banking in North America, Asia, Latin America, and Europe, the Middle East, and Africa.

In 1911, legislation established the Commonwealth Bank of Australia. In 1959, this original body corporate was preserved as the Reserve Bank of Australia (RBA) in legislation, specifically to carry on the central banking functions; at that same time, the commercial and savings banking functions were transferred into a new institution, which carried on the old name of Commonwealth Bank of Australia.

The Chiba Bank serves Japan's Chiba prefecture -- located east of Tokyo -- through about 170 branches and sub-branches. The bank, in addition to providing traditional banking services to individuals and businesses, offers investment trusts, credit cards, leasing, financial consulting, annuities, and securities. Its lending focuses on home mortgages, regional businesses, and residential construction companies. The bank has more than 28,000 ATMs nationwide and operates international offices in Hong Kong, London, New York, and Shanghai. In 2008 Chiba Bank joined with banks in Thailand and China to provide financial services in those countries.

Waccamaw Bancshares is the holding company for the Waccamaw Bank, which operates about 15 branches in the coastal Carolina region. With about 15 branch loactions, Waccamaw provides traditional products such as checking and savings accounts and IRAs. It primarily uses funds from deposits to write commercial loans and mortgages, including business loans, construction loans, and land development loans. Hit by an increase in bad loans, the company is working with regulators to raise its capital holdings. It is also tightening up its lending practices.

The Siam Commercial Bank Public Company Limited is the country's oldest bank, established by King Rama V in 1906 in response to the proliferation of foreign financial institutions in Thailand. Today the bank offers an array of financial services that include corporate and personal lending, retail and wholesale banking, foreign currency operations, international trade financing, cash management, custodial operations, credit and charge-card operations, and investment banking. Siam Commercial operates through a network of about 950 branches including offices in Hong Kong, Singapore, and Laos.

Export Development Canada (EDC) is trying to erase borders in a way. EDC provides a variety of financial services, including lending, insurance, and risk management, to help exporters and investors in Canada to expand their international business. It also performs financial reporting and economic analysis. The agency serves more than 8,000 companies annually, a majority of them small businesses. Created in 1944 as an official export credit agency, EDC is wholly owned by the Canadian government. It operates as a self-sustaining commercial entity, but it is accountable to Canada's Minister of International Trade and the Canadian Parliament.

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