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                           Online
                      banking transactions        Online
                          per month              customers



NORDEA                   6.9 million             2.3 million
The largest Scandinavian bank benefits from an early start--dating back to
1992--and a home market that is the world's most wired region. But its
potential client base is limited to Scandinavia.



SWEDBANK                 4 million                 900,000
Sweden's oldest bank enjoys the biggest retail customer base in the country.
It gives Nordea a run for its money in its home market but has only a mini-
scule presence abroad.



BANK OF AMERICA          3.1 million             3.2 million
The largest American online bank benefits from a giant home market yet
makes fewer online transactions than Nordea. Americans still use paper
checks, and online bank payments were introduced more than a decade later
than in Scandinavia.



EGG                      500,000                 1.5 million
The British upstart is the world's largest Internet-only bank. The average
deposit of its customers is four times that of bricks-and-mortar banks, and
it doesn't have expensive branches. But it has to spend some $200 in market-
ing to woo each new customer.






Data: Nordea, Bank of America, Jupiter MMXI