1.   And experience in Europe, where banking and securities have been intermingled, have not shown the combinations to be demonstrably harmful to consumers, banking analysts said.

2.   Banking analyst with First Pacific Stockbrokers Andrew Turner said he was expecting a slightly higher result.

3.   Banking analysts estimate Japanese banks could have double their declared amount of bad debt.

4.   Banking industry analyst Jim Bradshaw, a former California banking regulator, said he believes the Washington Mutual formula will work well here.

5.   Banking industry analysts in Dublin and London say a relatively small European institution like Allied Irish has no place in the highly competitive American retail banking business.

6.   Banking analysts say one or two more regional bank failures could easily soak up the rest of the future reserves.

7.   Banking analysts were lukewarm on the deal Thursday, and questioned whether Sovereign has the financial heft to compete with such a dominant institution as Fleet-BankBoston.

8.   Banking analysts, though, said the bid is fair and should be attractive to shareholders in both banks.

9.   Banking industry analysts said the deal would encourage other large financial companies around the world to pursue mergers of their own to remain competitive.

10.   Banking industry analysts say that Japanese regional banks badly need to consolidate and lower costs, but progress has been slow.