Singapore

Mobile learning, particularly in Asia, is rapidly going mainstream. Research by Ambient Insight revealed that Japan, South Korea and Taiwan were the earliest adopters of mobile learning, accounting for 70% of the buying market in 2010. Yet other countries are catching up fast, with China, India and Indonesia expected to be the top purchasers by 2015.

The continuing digital sophistication of consumers in the financial services market has driven many of the developments in products, infrastructure and processes.

Asia Pacific has overtaken North America for the first time as the region with the highest number of high net worth individuals (HNWI), 3.37 million in 2011, according to the latest World Wealth Report, jointly published by RBC Wealth Management and Capgemini, and this figure is set on an upward trend. Welcome statistics for wealth managers. Saying that, this explosion in the HNWI segment can also present a thorny challenge for the industry.

The banking model is fatally flawed. It’s time to break up the universal banks, separate the cavalier commercial arm from the retail element, and educate the new generation of retail bankers.

Banks across Asia Pacific continue to wrestle with issues surrounding corporate actions processing. Changes to the distribution of event notifications – often still inconsistent and fraught with delays that increase risk and operational costs – have long been overdue. However due to the fragmented nature of the Asia Pacific region, creating a standardized approach to overcome these problems is a significant challenge.

It's now available to treasury management clients in 12 markets in Asia Pacific.

Guess which country has the lowest loan penetration at 30% of GDP?

You can start a transaction on a mobile device and complete it on Citibank Express.

Its ROA is forecast to reach 2.7% in 2013F.

It now has 350 branches in Indonesia.

Pressure was evident in Singapore, Indonesia, and China.

Margin decline is one culprit.

It's a compounded annualised growth rate on the order of 12%.

Blame it on high base from trading gains.

Earnings to barely grow 2% YoY.

Current and savings accounts deposits increased 4.9%.