11.   Banking executives here said that in the last few days, Bank Nusa Nasional had raised enough capital to stay alive.

12.   Banking experts said that by using the harsh penalty of a cease-and-desist order, the regulators were sending a message.

13.   Banking officials say the auditors have largely completed that task and are now engaged in matching the names of account holders with lists of Holocaust victims.

14.   But banking analysts said the national banking market is changing rapidly, and the Fleet-BankBoston deal is one of numerous mergers among banking giants.

15.   But banking experts say a national Indian-owned bank seeking to invest primarily in tribal ventures will face many obstacles.

16.   But banking experts say there are many more that compiled similar losses but have not been as forthcoming.

17.   In the long run, one banking expert said the legal reform should help consumers and financial-service companies.

18.   Radovic is now believed to live in Cyprus but is said by banking sources here to have handled another account in the Federal Bank in Jounieh.

19.   To compete internationally, banking analysts say, the Italian banks need to resolve problems of internal organization and lagging technology.

20.   While bank executives said they did not expect any antitrust issues to block the deal, banking lawyers said that regulators could force the sale of some branches.