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The United States , France , and Japan are all importers of financial services, whereas Switzerland and Germany both record modest surpluses. The leading financial exporter, in terms of exports - imports, is the United Kingdom , which had £19bn of financial exports in 2004 , rising to £21bn in 2005. The UK's position is helped by both unique institutions (such as Lloyds Of London for insurance, the Baltic Exchange for shipping, et cetera) and an environment that attracts foreign firms (all large US banks have offices and operations in the City of London / Docklands and/or Edinburgh ). REFERENCES
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