[14 best banking practices case studies are: ACLEDA, Cambodia; ACBA Leasing, Republic of Armenia; Bank Aval (Raiffeisen, part of RZB Group), Ukraine; Banca Comerciala Romana (BCR), Romania; Bank of Georgia, Republic of Georgia; “Center-invest,” Russian Federation; Ceska Sporitelna, Czech Republic; UralTransBank, Russian Federation; Itaú-BBA, Brazil; Unibanco, Brazil; Banco Cuscatlán, Central America; Afriland First Bank, Cameroon; FirstRand Bank, South Africa; Nedbank, Southern Africa region]