Banking & Business Review Feb '10



  



 





       

 

                                



 



 



  



    

  

 



                    

  

    

                    



 

      

                          



 

   

 

   











 

 

 

 

 

 

 

 

 

      

 

  



                                                                                                   







 



          



                                      

                                        

 

         

             

                                                                               

                                                                

 

                                                                       

                                                                  

                     

          



        

                           

                                    



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                                                      

      

            

                     

           

 







 

                                                      

                                                                                               

 

                                                                         

  

                     

    

 

             





                                                     

  

                                       

                                                                                                 

 

                                                                                                                                                    



                                          

                                                  





                        

   

                                

      

                                     

                                                  

      

                                          

 

                                                                      

    

                

   



                                         

                           

                       



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                                                                                                                                                                                                                                    

   

          

     

       

                                                         

                               



 

    

                                                                                                                                   

                                        

                                                    





   

  

     

 

      

 

 

 

    

    



        

                                                                                                                   

                                            

    

 

      

                                                                  

 

                                                              

                             

            

                                                                                                                     







    

 



                            

                    

                                                                                                       

                                

        

 

 

             

   

                                                                 

                                              

      

                           

                 

                     

                                           

 

      

 



    

    

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       

         

                                           

                                                            

        

                       

                       

 

       

                                                                            

                                                                               

       







    

    



                                                                               



    

 

                           

   

                     

                    

                   



                                                                     

        

                                                                                                       

                                

                                





    







              

                                                 



   

 

             

        

                             

     

 

    

                             

      

                                                   

                                                                                                      



 

   

   

 

 

 

   

   

 

  



 

  

  

 



                   

                              

                                                       

                                              

  





                                                                  

                

                                  

                                                

                                                    

  

 

                                                                  

                                                                                                                      





                                                                                                            

                                  

 

              

                          

    

                                                       



  



                 

                     



     

                 





                               

            

             

                                                                                                             

 

                                                                            

  

   

                                                             





   



                                                   

                                                



       

                                                          

                

              

                       

                

 

     

 

                                                   

                                       

                                                           

                          





 



 

             

  

    

    

    

 

    

 

                      

 

 

  

 





  























                                                      

      

















































 



   

   





        





















                   

 

               

            

        

   



       

    



 

              





                  



          





 

     

   



            

         

 

 

           

        











 





 



  



                  











 

 



 

 



        



  





  



   

   

               

                

      













      



 

 

 

 

  



 



 



 



        

 



   

 



 

               



 

                                 

                   

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     

  





             

       

 

 

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         

   

  

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

 

 

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      

                                 

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  

     



 

      

      

      

          

  

 

 

   

  

  

     

 

                                

  

      

   



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      

 

 

        

      

      

                                              

 

 

 

                          



      

 

                          

 

                                  



   

  

 

                          

  

      

 

 

 

 

        

 





 

 

 

                    

  

          

     

        

     

 

  

 

  

     

 

                                            

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 

        

 

   

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

 



  



 

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     

  

        



    

       

 



             





                  

     



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



          

                                                                                    

          



    

            

     

            

           

 

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                                

 

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 

 

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 

          











    

 

           

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 



        

 



      

 

        

 

 



                          

 

                 

       

            

    



  

                 



 



                 

 

 

                            

                           

 

 

 

 

                         

                        

        





   



                    

  

                                 

                           

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 

                            

                                             





     

     

           

          





       



 

                                                                                            

  

 











    



          

  

         

       

          

                   

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   

           

                

                 

      



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

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

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

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

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          



 

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                                               

                                               

 

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 

 

                                                                                                                                  





            

    

      

 

                                     

                  

        

       

       

 





       

      

      

  

 

 

  

 

 

  

     

     

 





          

 

                                                                           

                      

 

   

      

 

  

 

 

 

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

                             

                    

                                                                           

                                            

                     

        

              

                                            

         

     

 





                           



   

 

 

           

   

 

 

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

                            



         

  

 

                                   

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                   

          

 

                                                       

                            







 

           

         





          

        

 





 

  

  

        

      

 

 

  

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 

                                    

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           

   

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 



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                                                   

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

 

                        



                

   

   

     

 

 

     

           

  

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 

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