Money Center Banks

Barclays' growth in investment banking has driven its recovery but increased risk.

Lloyds is beginning to recover from its HBOS acquisition and the U.K. property price crash.

Switzerland's recent moves to loosen bank secrecy laws will further damage UBS' asset-management business as it becomes less attractive to international clients.UBS has said it is committed to its U.S. wealth movement but is rumored to have tried to sell it in 2008. UBS may never achieve the scale

There are signs that a property bubble is forming in Asia . If it bursts , HSBC is likely to suffer significant collateral damage , no matter how high its underwriting standards . Operating in developing countries exposes HSBC to above - average credit risk and a global meltdown could cause a

CEO Gail Kelly has little experience in institutional banking , a significant part of the Westpac operation . While its Tier 1 capital improved 38 basis points in its first fiscal quarter of 2010 , at 8 . 5 % it is still below its peer group . Westpac is a consistently profitable company . The

Sanofi's strength in emerging markets, vaccines, consumer, and diabetes products should mitigate patent losses.

Uncertainty around its home country's creditworthiness clouds National Bank of Greece's outlook.

The Japanese economy and the country's banks have struggled for more than a decade, and there appear to be no positive catalysts for improvement on the horizon.Japanese banks have historically shown little willingness to aggressively target nonperforming loans.Mizuho's size and complexity limit the