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<br /> Retail<br /> Banker<br /> International<br /> 31 October 2008 Issue 601<br /> 03 News<br /> n Barclays secures capital boost, at a cost<br /> n mufg, mizuho cut earnings forecasts<br /> n rhB targets retail growth<br /> n agricultural Bank of china finally on road to listing<br /> 05 strategy: VirgiN MoNey UK<br /> RBI talks to virgin money ceo Jayne-anne gadhia about<br /> the company’s future plans, including a possible return<br /> to mainstream banking<br /> 06-07 MarKetiNg<br /> hsBc has bucked the trend in the difficult market<br /> conditions with a bold and positive ad campaign in the us<br /> 08-09 RBI sUrVey: MiDDLe east<br /> RBI’s study of the middle east shows the majority of the<br /> region’s main banks enjoyed healthy retail profits in 2007,<br /> but 2008 will be a different story<br /> 10-11 RBI iNterView: erste BaNK serBia<br /> Douglas Blakey talks to Jasna terzic, director of retail<br /> banking at erste Bank se<a title="RBI 601, 31 October 2008 page 1" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=1"> Retail Banker International 31 October 2008 </a> <a title="RBI 601, 31 October 2008 page 2" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=2"> Retail Banker International 31 October 2008 2 New</a> <a title="RBI 601, 31 October 2008 page 3" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=3"> 31 October 2008 Retail Banker International www.v</a> <a title="RBI 601, 31 October 2008 page 4" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=4"> Retail Banker International 31 October 2008 4 str</a> <a title="RBI 601, 31 October 2008 page 5" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=5"> 31 October 2008 Retail Banker International www.</a> <a title="RBI 601, 31 October 2008 page 6" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=6"> Retail Banker International 31 October 2008 6 Mar</a> <a title="RBI 601, 31 October 2008 page 7" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=7"> 31 October 2008 Retail Banker International www.v</a> <a title="RBI 601, 31 October 2008 page 8" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=8"> Retail Banker International 31 October 2008 8 sUr</a> <a title="RBI 601, 31 October 2008 page 9" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=9"> 31 October 2008 Retail Banker International www.v</a> <a title="RBI 601, 31 October 2008 page 10" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=10"> Retail Banker International 31 October 2008 10 RB</a> <a title="RBI 601, 31 October 2008 page 11" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=11"> 31 October 2008 Retail Banker International www.v</a> <a title="RBI 601, 31 October 2008 page 12" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=12"> Retail Banker International 31 October 2008 12 Ne</a> <a title="RBI 601, 31 October 2008 page 13" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=13"> 31 October 2008 Retail Banker International www.</a> <a title="RBI 601, 31 October 2008 page 14" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=14"> Retail Banker International 31 October 2008 14 sU</a> <a title="RBI 601, 31 October 2008 page 15" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=15"> 31 October 2008 Retail Banker International www.v</a> <a title="RBI 601, 31 October 2008 page 16" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=16"> Retail Banker International 31 October 2008 16 fi</a> <a title="RBI 601, 31 October 2008 page 17" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=17"> 31 October 2008 Retail Banker International www.</a> <a title="RBI 601, 31 October 2008 page 18" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=18"> Retail Banker International 31 October 2008 18 Ca</a> <a title="RBI 601, 31 October 2008 page 19" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=19"> E]oÛI]hgjlÛ^gjÛl`]ÛI]lYadÛ9Yfcaf_ÛJ][lgj DmlmYd</a> <a title="RBI 601, 31 October 2008 page 20" href="https://secure.viewer.zmags.com/publication/22a5d3e8?page=20"> Launching in November Our new VRL portal, home of</a>