NEW YORK, July 21, 2009 — Global Finance has announced the First Round winners in the “World’s Best Internet Banks” competition in the Middle East and Africa. This is the 10th year Global Finance has named the World’s Best Internet Banks. Details on all First Round winners will be published in the September issue. First Round winners include Best Corporate/Institutional Internet Banks and Best Consumer Internet Banks at the country level. The Regional and Global winners for these categories will be announced at an Awards Ceremony in New York City in November and published in the December issue of Global Finance. Also announced were Regional winners in Sub-Categories. Global winners in the Sub-Categories will also be announced at the Awards Ceremony and in the December issue. The list of First Round winners follows.

Winners were chosen among entries evaluated by a world-class judging panel. Global Finance editors were responsible for the final selection of winners in the First Round.

Only banks that entered the competition were considered for awards, and awards were only given in those regions, countries and categories in which there were entries.

Winning banks were selected based on the following criteria: strength of strategy for attracting and servicing online customers, success in getting clients to use web offerings, growth of online
customers, breadth of product offerings, evidence of tangible benefits gained from Internet initiatives, and web site design and functionality. Category winners, such as “best online cash
management” were selected based on the relative strength and success of those web products and services.

“In less than a decade, the Internet has transformed the way many consumers and most businesses bank,” says Joseph D. Giarraputo, publisher of Global Finance. “The continuing improvements in Internet offerings represented by this year’s entries show that more significant Internet banking developments are still ahead of us.”

See following for full listing of the World’s Best Internet Banks First Round winners for 2009 in Europe:

Country Winners:

Best Consumer Internet Banks

Channel Islands HSBC
Cyprus Marfin Popular Bank Public
France HSBC
Greece EFG Eurobank Ergasias
Malta HSBC
Norway DnB Nor Bank ASA
Portugal Millennium BCP
Turkey Garanti Bank

Country Winners:

Best Corporate/Institutional Internet Banks

Austria Citi
Belgium Citi
Denmark Citi
Finland Citi
France Citi
Germany Citi
Greece EFG Eurobank Ergasias
Ireland Citi
Italy Citi
Luxembourg Citi
Netherlands Citi
Norway Citi
Portugal Banco Espirito Santo
Spain Citi
Sweden Citi
Switzerland Citi
Turkey Yapi Kredi Bank
United Kingdom HSBC

Regional Sub-Category Winners:

Best Consumer Internet Banks

Best Investment Management Services HSBC
Best Bill Payment & Presentment DnB Nor Bank ASA
Best Online Consumer Credit Site HSBC
Best Web Site Design Yapi Kredi Bank
Best Integrated Consumer Bank Site Hellenic Bank
Best Information Security Initiatives Akbank
Best Online Deposits Acquisition Akbank



Regional Sub-Category Winners:

Best Corporate/Institutional Internet Banks

Best Investment Management Services HSBC
Best Online Cash Management HSBC
Best Trade Finance Services Citi
Best Web Site Design Yapi Kredi Bank
Best Integrated Corporate Bank Site HSBC
Best Information Security Initiatives HSBC