1.   An increasing number of financial institutions are moving beyond brick and mortar branches and automated teller machines to offer banking services more cheaply and conveniently to their customers.

2.   Both Microsoft and Intuit have been separately signing up large banks to offer banking through their financial software products, Microsoft Money and Quicken, respectively.

3.   Federal law requires banks to provide credit to all communities, and banks have long sponsored programs to offer banking services in low-income neighborhoods.

4.   Like most foreign banks, Dresdner is also interested in offering investment banking services to large corporations and the government.

5.   Microsoft, he is expected to say, does not want to offer banking services but does want to sell software tools to banks.

6.   The bank also planned to consolidate its holdings and launch a Latin American franchise around the BBV name to offer similar banking products throughout the region, Uriarte said.

7.   In the future, LTCB hopes to offer investment banking services in China as well, he said.