Global network banks have very different strategies for delivering their ICM solutions, as the figure below shows.

Global network bank use of partner banks in ICM solutions

Source: Cash management banks Copyright© 2012 J&W Associates

In 2011 Citi, Deutsche Bank and HSBC used a much higher proportion of own branches than BofA Merrill and J.P. Morgan in their ICM solutions. The biggest users of e-Integrated Partner Banks are BofA Merrill and J.P. Morgan.