21.   High-ranking industrial experts predicted all the finance firms backed by commercial banks would finally be consolidated into a bank by transferring good assets into the parent bank.

22.   If this is the case, the parent banks must first apply for a credit company licence.

23.   International Credit Bank was closed because of insolvency due to non-performing loans, and Trust Bank was closed after its parent bank in neighboring Kenya faced credit problems.

24.   It apparently is waiting for more information from Cayman Islands officials investigating the Gulf Union parent bank there and its subsidiary, First Cayman Bank.

25.   Rigid corporate business practices such as lifetime employment and dependence on parent banks for capital, for example, have hampered innovation, hurt efficiency and slowed restructuring efforts.

26.   The changeover to a new structure is to make the bank more competitive globally, said a statement from the parent bank, CS Holding AG.

27.   The parent bank said the misreporting was due to a lack of thorough internal controls.

28.   The parent bank will enhance the credit worthiness of the paper to ensure that it will receive the top rating, the official said.

29.   The other foreign-owned finance companies are OCBC Finance, OUB Finance and United Overseas Finance, all with Singapore-based parent banks.

30.   Barings Securities Ltd., a wholly-owned subsidiary of the parent bank, is known to run the largest brokerage operations in South Korea.