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<br /> Retail<br /> Banker<br /> International<br /> 20 February 2009 Issue 607<br /> 03 NEWS<br /> n BnP Paribas, socgen scale back in eastern europe<br /> n DBs Bank’s profit slips on bad debts<br /> n maxBips.com launch continues online auction trend<br /> 04-05 RBI INTERVIEW: ICICI BANK<br /> v vaidyanathan of india’s icici tells RBI the bank has<br /> successfully grown its low-cost deposits and kept operating<br /> expenses flat in a year when it doubled its branch network<br /> 06-07 CASE STUDY: HUDSoN CITY BANCoRp<br /> new Jersey-based hudson city Bancorp has bucked the us<br /> market trend reporting profits up 50 percent in 2008<br /> 08-09 RBI INTERVIEW: ABSA<br /> absa’s retail ce0, louis von Zeuner, says the bank’s multi-<br /> channel strategy has paid off despite a challenging year<br /> 12-13 CoUNTRY SURVEY: SpAIN<br /> in 2008, santander and BBva continued to shine but<br /> 2009 is shaping up to be a much tougher proposition<a title="RBI 607, 20 February 2009 page 1" href="https://secure.viewer.zmags.com/publication/07a5a228?page=1"> Retail Banker International 20 February 2009 </a> <a title="RBI 607, 20 February 2009 page 2" href="https://secure.viewer.zmags.com/publication/07a5a228?page=2"> Retail Banker International 20 February 2009 2 NE</a> <a title="RBI 607, 20 February 2009 page 3" href="https://secure.viewer.zmags.com/publication/07a5a228?page=3"> 20 February 2009 Retail Banker International www.</a> <a title="RBI 607, 20 February 2009 page 4" href="https://secure.viewer.zmags.com/publication/07a5a228?page=4"> Retail Banker International 20 February 2009 4 RB</a> <a title="RBI 607, 20 February 2009 page 5" href="https://secure.viewer.zmags.com/publication/07a5a228?page=5"> 20 February 2009 Retail Banker International www.</a> <a title="RBI 607, 20 February 2009 page 6" href="https://secure.viewer.zmags.com/publication/07a5a228?page=6"> Retail Banker International 20 February 2009 6 CA</a> <a title="RBI 607, 20 February 2009 page 7" href="https://secure.viewer.zmags.com/publication/07a5a228?page=7"> 20 February 2009 Retail Banker International www.</a> <a title="RBI 607, 20 February 2009 page 8" href="https://secure.viewer.zmags.com/publication/07a5a228?page=8"> Retail Banker International 20 February 2009 8 RB</a> <a title="RBI 607, 20 February 2009 page 9" href="https://secure.viewer.zmags.com/publication/07a5a228?page=9"> 20 February 2009 Retail Banker International www.</a> <a title="RBI 607, 20 February 2009 page 10" href="https://secure.viewer.zmags.com/publication/07a5a228?page=10"> Retail Banker International 20 February 2009 10 D</a> <a title="RBI 607, 20 February 2009 page 11" href="https://secure.viewer.zmags.com/publication/07a5a228?page=11"> 20 February 2009 Retail Banker International www.</a> <a title="RBI 607, 20 February 2009 page 12" href="https://secure.viewer.zmags.com/publication/07a5a228?page=12"> Retail Banker International 20 February 2009 12 C</a> <a title="RBI 607, 20 February 2009 page 13" href="https://secure.viewer.zmags.com/publication/07a5a228?page=13"> 20 February 2009 Retail Banker International www.</a> <a title="RBI 607, 20 February 2009 page 14" href="https://secure.viewer.zmags.com/publication/07a5a228?page=14"> Retail Banker International 20 February 2009 14 C</a> <a title="RBI 607, 20 February 2009 page 15" href="https://secure.viewer.zmags.com/publication/07a5a228?page=15"> 20 February 2009 Retail Banker International www.</a> <a title="RBI 607, 20 February 2009 page 16" href="https://secure.viewer.zmags.com/publication/07a5a228?page=16"> Retail Banker International 20 February 2009 16 T</a> <a title="RBI 607, 20 February 2009 page 17" href="https://secure.viewer.zmags.com/publication/07a5a228?page=17"> 20 February 2009 Retail Banker International www</a> <a title="RBI 607, 20 February 2009 page 18" href="https://secure.viewer.zmags.com/publication/07a5a228?page=18"> Retail Banker International 20 February 2009 18 N</a> <a title="RBI 607, 20 February 2009 page 19" href="https://secure.viewer.zmags.com/publication/07a5a228?page=19"> 20 February 2009 Retail Banker International www</a> <a title="RBI 607, 20 February 2009 page 20" href="https://secure.viewer.zmags.com/publication/07a5a228?page=20"> </a>