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27.this bank began formal consolidated operations in 2002
28. A.N Berger, Q. Dai , S. Ongena , and D.C Smith, in “To what Extent will the banking industry be Globalized ? A study of bank nationally and reach European Nations. They find that foreign affiliates of multinational companies choose host nation banks for cash management services more often than home-nation or third-nation banks. They also find if a host nation is the choice of nationality, then the firm is much less likely to choose a global bank.
29. this, of course, assumes that stockholders are sufficiently undiversified to value FI s diversifying on their behalf.