After years of uncertainty, companies now have to be prepared for the Single Euro Payments Area (SEPA) because it’s the law. Rather than merely complying with SEPA rules and regulations, corporates need to focus on the opportunities that SEPA brings, says Robin Terry, head of business development and sales for HSBC’s cash management business in Europe

The Banker has identified 13 banks to keep an eye on in the coming year based on a variety of factors. South Africa-based Capitec has been selected for the exponential growth it has achieved in its lending portfolio over the past few years.

The Banker has identified 13 banks to keep an eye on in the coming year based on a variety of factors. Poland-based Alior Bank has been selected for its unique strategy in the overcrowded Polish market.

The Banker has identified 13 banks to keep an eye on in the coming year based on a variety of factors. With its rapidly expanding micro loans sector and unique and hugely profitable pension loans service, Indonesia-based Bank BTPN is one to watch in 2013.

The Banker has identified 13 banks to keep an eye on in the coming year based on a variety of factors. Colombia-based Banco Davivenda has impressed was selected for its ambitious expansion strategy. 

The Banker has identified 13 banks to keep an eye on in the coming year based on a variety of factors. Opened in mid-2011, Mozambique-based Banco Único is already close to breaking even and its bold ambitions for the future make it one to watch in 2013.

The Banker has identified 13 banks to keep an eye on in the coming year based on a variety of factors. Established in 2013, following a directive authorising Islamic institutions in Oman, Bank Nizwa is the country's first standalone Islamic bank and one to watch in 2013.

The Banker has identified 13 banks to keep an eye on in the coming year based on a variety of factors. China-based Bank of Inner Mongolia was one of the fastest movers in The Banker’s Top 1000 rankings in 2012, and its most recent published figures suggest this growth will continue, making it one to watch in 2013.

The Banker has identified 13 banks to keep an eye on in the coming year based on a variety of factors. Chile-based Corpbanca made a daring move into Colombia in 2012, making it one to watch in 2013.

The Banker has identified 13 banks to keep an eye on in the coming year based on a variety of factors. Following its 2012 merger with Qatari investment bank QInvest, Egypt-based EFG Hermes will be a bank to watch in 2013.