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<br /> Retail<br /> Banker<br /> International<br /> 30 April 2008 Issue 591<br /> 03 NEWS<br /> n india’s icici Bank sees annual profits rise by 34%<br /> n losses escalate at countrywide financial<br /> n australia’s naB unveils customer charter<br /> 04 STRATEGY: TORONTO-DOMINION<br /> toronto-Dominion is using the recently-acquired commerce<br /> Bank franchise to build “the first true north american bank”<br /> 06-07 RBI INTERVIEW: ABSA<br /> louis von Zeuner, head of retail banking at absa, tells RBI<br /> how the bank has leveraged its impressive distribution<br /> network to target south africa’s underbanked communities<br /> 10 CASE STUDY: GARANTIBANk<br /> garanti, turkey’s largest lender, has built a strong retail<br /> business with some pretty innovative products and services<br /> 12-13 STRATEGY: BANk OF MONTREAL<br /> after showing signs of improvement in 2007, Bank of<br /> montreal is redoubling its efforts to improve cus<a title="RBI 591, 30 April 2008 page 1" href="https://secure.viewer.zmags.com/publication/21877aa2?page=1"> Retail Banker International 30 April 2008 </a> <a title="RBI 591, 30 April 2008 page 2" href="https://secure.viewer.zmags.com/publication/21877aa2?page=2"> Retail Banker International 30 April 2008 2 NEWS </a> <a title="RBI 591, 30 April 2008 page 3" href="https://secure.viewer.zmags.com/publication/21877aa2?page=3"> 30 April 2008 Retail Banker International www.vrl</a> <a title="RBI 591, 30 April 2008 page 4" href="https://secure.viewer.zmags.com/publication/21877aa2?page=4"> Retail Banker International 30 April 2008 4 STRAT</a> <a title="RBI 591, 30 April 2008 page 5" href="https://secure.viewer.zmags.com/publication/21877aa2?page=5"> 30 April 2008 Retail Banker International www.vr</a> <a title="RBI 591, 30 April 2008 page 6" href="https://secure.viewer.zmags.com/publication/21877aa2?page=6"> Retail Banker International 30 April 2008 6 RBI I</a> <a title="RBI 591, 30 April 2008 page 7" href="https://secure.viewer.zmags.com/publication/21877aa2?page=7"> 30 April 2008 Retail Banker International www.vrl</a> <a title="RBI 591, 30 April 2008 page 8" href="https://secure.viewer.zmags.com/publication/21877aa2?page=8"> Retail Banker International 30 April 2008 8 MARkE</a> <a title="RBI 591, 30 April 2008 page 9" href="https://secure.viewer.zmags.com/publication/21877aa2?page=9"> 30 April 2008 Retail Banker International www.vrl</a> <a title="RBI 591, 30 April 2008 page 10" href="https://secure.viewer.zmags.com/publication/21877aa2?page=10"> Retail Banker International 30 April 2008 10 CASE</a> <a title="RBI 591, 30 April 2008 page 11" href="https://secure.viewer.zmags.com/publication/21877aa2?page=11"> 30 April 2008 Retail Banker International www.vrl</a> <a title="RBI 591, 30 April 2008 page 12" href="https://secure.viewer.zmags.com/publication/21877aa2?page=12"> Retail Banker International 30 April 2008 12 STRA</a> <a title="RBI 591, 30 April 2008 page 13" href="https://secure.viewer.zmags.com/publication/21877aa2?page=13"> 30 April 2008 Retail Banker International www.vrl</a> <a title="RBI 591, 30 April 2008 page 14" href="https://secure.viewer.zmags.com/publication/21877aa2?page=14"> Retail Banker International 30 April 2008 14 DIST</a> <a title="RBI 591, 30 April 2008 page 15" href="https://secure.viewer.zmags.com/publication/21877aa2?page=15"> 30 April 2008 Retail Banker International www.vrl</a> <a title="RBI 591, 30 April 2008 page 16" href="https://secure.viewer.zmags.com/publication/21877aa2?page=16"> Retail Banker International 30 April 2008 16 CONT</a> <a title="RBI 591, 30 April 2008 page 17" href="https://secure.viewer.zmags.com/publication/21877aa2?page=17"> 30 April 2008 Retail Banker International www.vr</a> <a title="RBI 591, 30 April 2008 page 18" href="https://secure.viewer.zmags.com/publication/21877aa2?page=18"> Retail Banker International 30 April 2008 18 NEWS</a> <a title="RBI 591, 30 April 2008 page 19" href="https://secure.viewer.zmags.com/publication/21877aa2?page=19"> E]oÛI]hgjlÛ^gjÛl`]ÛI]lYadÛ9Yfcaf_ÛJ][lgj G]]jÛl</a> <a title="RBI 591, 30 April 2008 page 20" href="https://secure.viewer.zmags.com/publication/21877aa2?page=20"> Reserve your place: +44 (0)20 7563 5627 or email:</a>