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.

Pathfinder Bancorp is the holding company for Pathfinder Bank, which operates seven branches serving upstate New York's Oswego County and surrounding areas. Founded in 1859, the bank provides standard services such as checking and savings accounts, money market accounts, IRAs, CDs, and credit cards. It primarily originates residential real estate loans, which account for the majority of the company's loan portfolio. The bank's Pathfinder Investment Services division provides mutual funds, insurance, brokerage, and financial advisory services. Mutual holding company Pathfinder Bancorp, M.H.C., owns nearly two-thirds of the company.

Promise can't promise you'll be able to buy anything you desire in the world, but it'll help you get some of the stuff you want. The largest consumer credit company in Japan, Promise provides customers with loans and credit products with a range of interest rates. Promise sells its loans directly and through subsidiaries, and customers can get hooked up with money through automatic contract machines (ACMs, which are not unlike ATMs), branch locations, over the telephone, via the internet, and through the mail. Sumitomo Mitsui Financial Group owns 20% of Promise.

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.

PremierWest Bancorp strives to be the principal financial institution on the West Coast. The firm is the holding company for PremierWest Bank, which operates 40 branches generally located along the Interstate 5 corridor in southern Oregon and northern California. The community bank serves local businesses and consumers, using funds from deposit accounts mainly to originate loans secured by commercial and residential real estate. Bank subsidiary PremierWest Investment Services provides investment brokerage services. Consumer lender Premier Finance Company is another subsidiary of the bank; mortgage service provider PremierWest Mortgage is a division of the bank.

Juniata Valley Financial may be the place for you. The institution is the holding company for Juniata Valley Bank, which serves central Pennsylvania from about a dozen banking locations. The bank offers standard deposit products and services, including checking and savings accounts, money market accounts, IRAs, and CDs. It also provides credit card services and originates a variety of consumer and business loans. Consumer loans make about 70% of its loan portfolio. Additionally, Juniata Valley Bank sells insurance and investment products. Juniata Valley Bank was established in 1867.

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.

There's nothing half way about HLF, or Hong Leong Finance. The company, with some 30 branches across Singapore, offers personal and business loans, insurance, wealth management, foreign exchange, and corporate financing services. The largest finance company in the country by assets, HLF specializes in financing for small and medium-sized enterprises (SMEs), and it sponsors an annual forum for budding entrepreneurs. Hong Leong Finance Limited company also provides investment banking services including handling IPOs and other public offerings and M&A consulting. Investment firm Hong Leong Group Malaysia owns 73% of HLF.

Established in 1902, First South Bank is a local community bank located throughout Eastern North Carolina. Over the past 103 years, banking products and services have evolved. However, the Bank's commitment to its community has never wavered. We have always believed it is important to be a significant contributing member of our community. We know that, as a community bank, we have a responsibility to make a positive difference in the place we both live and serve, not because it is good for business, but because it is the right thing to do.

Southern Community Financial is the holding company for Southern Community Bank and Trust, which operates more than 20 branches in the Piedmont Triad region and other parts of North Carolina. Serving area individuals, small and midsized businesses, and homebuilders, the bank offers such retail services as checking and savings accounts, money market accounts, and credit cards. The bulk of Southern Community Financial's loan portfolio is made up of commercial mortgages (about 35%), residential mortgages (25%), construction loans (20%), and commercial and industrial loans (more than 15%). The bank also offers insurance products through an agreement with The Phoenix Companies.

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