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<br /> September 2010 Issue 640-641<br /> A Polish miracle<br /> www.retailbankerinternational.com<br /> ● Interview: Bhasker Niyogi, GM, State Bank of India personal banking<br /> ● Country survey: Poland ● Strategy: First Citizens Bancshares<br /> ● VRL report: Debit and Prepaid Cards Market in India<br /> ● Sustainability: ANZ tops global survey<br /> Our customers are a testimony to how our<br /> award winning loyalty solution has helped<br /> them increase their profitability, competitive<br /> edge and most importantly, the satisfaction of<br /> their customers.<br /> Being a global leader in providing loyalty<br /> solutions to retail banks to help them manage<br /> their payment cards business, we have served<br /> Fortune 500 banks for over 12 years.<br /> To find out more about what our customers<br /> say, visit us at<br /> www.welcome-rt.com/happycustomers today.<br /> We believe Welcome Real-time<br<a title="RBI 640-641, September 2010 page 1" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=1"> September 2010 Issue 640-641 A Polish miracle w</a> <a title="RBI 640-641, September 2010 page 2" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=2"> Our customers are a testimony to how our award wi</a> <a title="RBI 640-641, September 2010 page 3" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=3"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 4" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=4"> coUntRYsURVeY:IsRAeL </a> <a title="RBI 640-641, September 2010 page 5" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=5"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 6" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=6"> InteRVIew:stAteBAnKoFInDIA </a> <a title="RBI 640-641, September 2010 page 7" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=7"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 8" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=8"> coUntRYsURVeY:PoLAnD </a> <a title="RBI 640-641, September 2010 page 9" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=9"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 10" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=10"> coUntRYsURVeY:PoLAnD </a> <a title="RBI 640-641, September 2010 page 11" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=11"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 12" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=12"> sURVeY:toPBRAnDs </a> <a title="RBI 640-641, September 2010 page 13" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=13"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 14" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=14"> MARKetInG:BRAncHsALesPRoDUctIVItY </a> <a title="RBI 640-641, September 2010 page 15" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=15"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 16" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=16"> newsDIGest </a> <a title="RBI 640-641, September 2010 page 17" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=17"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 18" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=18"> RePoRt:cARDsInInDIA </a> <a title="RBI 640-641, September 2010 page 19" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=19"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 20" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=20"> MARKetInG:BBVA </a> <a title="RBI 640-641, September 2010 page 21" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=21"> Retail Banker International </a> <a title="RBI 640-641, September 2010 page 22" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=22"> csR:DowJonessUstAInABILItYInDeX </a> <a title="RBI 640-641, September 2010 page 23" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=23"> New report for the financial services industry Rem</a> <a title="RBI 640-641, September 2010 page 24" href="https://secure.viewer.zmags.com/publication/7b9ab928?page=24"> AllAboutMe™, the award winning Card Customization</a>