A CHINESE DEPOSITOR COUNTS HER MONEY IN SHANGHAI, 2002-09-10 (photo)

A Chinese depositor counts her money as others queue at a bank in China's financial capital of Shanghai September 10, 2002. The service culture at China's state banks, legacy of a socialist-style planned economy in which their major role was to channel household savings into a creaky industrial sector. With over half of corporate loans having gone bad and customer-savvy foreign banks setting up shop, China's banks need to start rolling out service fast to wean themselves off interest income, tidy balance sheets and diversify risk, analysts said. REUTERS/Claro Cortes IV TO ACCOMPANY BUSINESS FEATURE STORY FINANCIAL-CHINA-BANKS CC