S C B SHINKIN CENTRAL BANK 104-0031 3-8-1 TEL.03-3563-7541 FAX.03-3563-7551 URL http://www.scbri.jp
B/SP/L VolksbankRaiffeisenbank Credit AgricoleBanques Populaires Rabobank OP Bank ( 1) ( ) Credit Professionnel Sammenslutingen Danske Andelskasser BVR Irish League of Credit Unions Union National de Cooperativas de Credito Credit Agricole Credit Mutuel Banques Populaires Association of Cooperative Banks Banche Popolari Federcasse Rabobank Raiffeisenbanken Genossenschafts -verband Fenacam OP Bank Landshypotek The Co-operative Bank ( )
GDP Credit Agricole Credit Agricole Rabobank Banques Populaires Banche Popolari Credit Professionnel Sammenslutingen Danske Andelskasser BVR Irish League of Credit Unions Union National de Cooperativas de Credito Credit Agricole Credit Mutuel Banques Populaires Association of Cooperative Banks Banche Popolari Federcasse Rabobank Raiffeisenbanken Genossenschafts Banche Popolari-verband Rabobank Fenacam OP Bank Landshypotek The Co-operative Bank
VolksbankRaiffeisenbank RaiffeisenbankVolksbank BVR
DGRV DZ Bank WGZ Bank BVR(Bundesverband der Deutschen Volksbanken und Raiffeisenbanken) BVR DZ Bank DZ Bank DG Bank IPO
IT Credit AgricoleBanques Populaires Credit Agricole CA Credit Mutuel CM Banques Populaires BP CA BP CM (2003 12 ) Credit Agricole CA "The Banker" CA CA 4
CA Credit Agricole S.A. BVR FNCA(Fédération Nationale du Crédit Agricole FNCA BVR Credit Agricole S.A. Credit Agricole S.A. BNP Paribas Credit Lyonnais Banques Populaires 5
BP Volksbank (Banche Popolari) Credit Agricole Credit Agricole BP Natexis Natexis Banques Populaires BP Banque Fédérale des Banques Populaires( BFBP ) Credit Agricole S.A. BFBPNatexis BFBP Natexis Natexis Banques Populaires Rabobank Rabobank Raiffeisen Bank
Boerenleenbank Rabobank Coöperative Centrale Raiffeisen-Boerenleenbank B.A. Rabobank ABN Amro N.V.ING N.V. Rabobank Rabobank 2001 Tier Rabobank Member Certificate RMC RMC Rabobank Rabobank Nederland 6 7 8
Rabobank( ) Rabobank Rabobank Nederland Rabobank BVR OP Bank OP Bank 9
Nordea OP Bank OP Bank Group Central Cooperative GCC OKO Bank DZ Bank Natexis Banques Populaires GCC GCC GCC 10 11 12
B/SP/L 3 Rabobank
B/S (BVR) (Rabobank) (OP Bank) BVR DZ Bank OP Bank OP Bank
ROAROE BVR ROA ROE CA Rabobank BVR/DZ Bank( ) EU M&A BVR IT ( ) DZ Bank( ) IT Credit Agricole( ) Credit Lyonnais CNCA(Credit Agricole S.A. ) "Decentralized( )" ( ) 13 14
Credit Lyonnais Rabobank ( ) ( ) "Rabobank" Credit Agricole ( ) BVR DZ Bank
Rabobank Rabobank Member Certificate ( ) ( ) Rabobank Credit Agricole Credit Agricole S.A. Credit Agricole Credit Lyonnais Demutualization( ) 15 16
(Mutual Support System) ( (Rabobank ) (Banche Popolari) (Cross-Guarantee Mechanism) Rabobank( )Credit AgricoleBanques Populaires( )OP Bank( ) (BVR) (Guarantee Fund) (Guarantee Union) BVR 17
EU 18
(OP Bank) (Rabobank) (BVR) CERA
Tremblay Rabobank OP Bank ( Rabobank EU Disintermediation Unbundling BVR DZ Bank 19 20
DZ Bank DG Bank BVR "Bündelung der Kräfte " Rabobank Credit Agricole
"Decentralized " 21
CNCA The Banker B. Tremblay "Cooperative Banks and The Mobilization of CapitalTo What End, With Which Partners and With What Consequences for Members?" International Co-operative Banking Association Journal No.13, 2001 European Central Bank "Report on Financial Structures", Oct.2002 UNICO Banking Group "Qb" Vol.4143, Dec.2003Sep.2004
2003 2003 2003 2003 10 2003 2003 11 2003 11 2004 2004 10 2004 2004 2003 2004 2004 2004 2004 2004 2004 10 2004 2004 11 2004 1