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<br /> Retail<br /> Banker<br /> International<br /> 31 March 2008 Issue 589<br /> 03-04 NEWS<br /> n hsBc launches its first ethical credit card<br /> n spain’s BBva establishes retail banking centres<br /> n the uk’s fsa admits to northern rock failings<br /> 06 RBI INTERVIEW: BARCLAYS<br /> samir Bhatia, Barclays’ managing director for india,<br /> discusses the bank’s expansion plans for the country<br /> 08-09 CASE STUDY: US BANCORP<br /> us Bancorp has avoided the worst of the subprime crisis<br /> and remains a competitive us retail player. charles Davis<br /> talks to richard hartnack, head of consumer banking<br /> 12-13 CASE STUDY: BANK OF AYUDHYA<br /> RBI talks to roy gunara, head of consumer banking at Bank<br /> of ayudhya, about thailand’s competitive banking market<br /> 14-18 RBI AWARDS<br /> the winners of this year’s retail Banking awards have been<br /> announced. santander has picked up the main prize, with<br /> stan<a title="RBI 589, 31 March 2008 page 1" href="https://secure.viewer.zmags.com/publication/2283daac?page=1"> Retail Banker International 31 March 2008 </a> <a title="RBI 589, 31 March 2008 page 2" href="https://secure.viewer.zmags.com/publication/2283daac?page=2"> 31 March 2008 Retail Banker International www.vrl</a> <a title="RBI 589, 31 March 2008 page 3" href="https://secure.viewer.zmags.com/publication/2283daac?page=3"> Retail Banker International 31 March 2008 4 NEWS </a> <a title="RBI 589, 31 March 2008 page 4" href="https://secure.viewer.zmags.com/publication/2283daac?page=4"> 31 March 2008 Retail Banker International www.vr</a> <a title="RBI 589, 31 March 2008 page 5" href="https://secure.viewer.zmags.com/publication/2283daac?page=5"> Retail Banker International 31 March 2008 6 THE R</a> <a title="RBI 589, 31 March 2008 page 6" href="https://secure.viewer.zmags.com/publication/2283daac?page=6"> 31 March 2008 Retail Banker International www.vr</a> <a title="RBI 589, 31 March 2008 page 7" href="https://secure.viewer.zmags.com/publication/2283daac?page=7"> Retail Banker International 31 March 2008 8 CASE </a> <a title="RBI 589, 31 March 2008 page 8" href="https://secure.viewer.zmags.com/publication/2283daac?page=8"> 31 March 2008 Retail Banker International www.vrl</a> <a title="RBI 589, 31 March 2008 page 9" href="https://secure.viewer.zmags.com/publication/2283daac?page=9"> Retail Banker International 31 March 2008 10 CSR:</a> <a title="RBI 589, 31 March 2008 page 10" href="https://secure.viewer.zmags.com/publication/2283daac?page=10"> 31 March 2008 Retail Banker International www.vrl</a> <a title="RBI 589, 31 March 2008 page 11" href="https://secure.viewer.zmags.com/publication/2283daac?page=11"> Retail Banker International 31 March 2008 12 CASE</a> <a title="RBI 589, 31 March 2008 page 12" href="https://secure.viewer.zmags.com/publication/2283daac?page=12"> 31 March 2008 Retail Banker International www.vrl</a> <a title="RBI 589, 31 March 2008 page 13" href="https://secure.viewer.zmags.com/publication/2283daac?page=13"> Retail Banker International 31 March 2008 14 RBI </a> <a title="RBI 589, 31 March 2008 page 14" href="https://secure.viewer.zmags.com/publication/2283daac?page=14"> 31 March 2008 Retail Banker International www.vrl</a> <a title="RBI 589, 31 March 2008 page 15" href="https://secure.viewer.zmags.com/publication/2283daac?page=15"> Retail Banker International 31 March 2008 16 RBI </a> <a title="RBI 589, 31 March 2008 page 16" href="https://secure.viewer.zmags.com/publication/2283daac?page=16"> 31 March 2008 Retail Banker International www.vrl</a> <a title="RBI 589, 31 March 2008 page 17" href="https://secure.viewer.zmags.com/publication/2283daac?page=17"> Retail Banker International 31 March 2008 18 RBI </a> <a title="RBI 589, 31 March 2008 page 18" href="https://secure.viewer.zmags.com/publication/2283daac?page=18"> 31 March 2008 Retail Banker International www.vrl</a> <a title="RBI 589, 31 March 2008 page 19" href="https://secure.viewer.zmags.com/publication/2283daac?page=19"> Retail Banker International 31 March 2008 20 FINT</a> <a title="RBI 589, 31 March 2008 page 20" href="https://secure.viewer.zmags.com/publication/2283daac?page=20"> 31 March 2008 Retail Banker International www.vr</a> <a title="RBI 589, 31 March 2008 page 21" href="https://secure.viewer.zmags.com/publication/2283daac?page=21"> Retail Banker International 31 March 2008 22 COUN</a> <a title="RBI 589, 31 March 2008 page 22" href="https://secure.viewer.zmags.com/publication/2283daac?page=22"> 31 March 2008 Retail Banker International www.vrl</a>