ANZ may be one of at least four bidders looking to acquire the Asian equities and advisory business of Royal Bank of Scotland. The Economic Times names Agricultural Bank of China,  DBS Bank and Royal Bank of Canada as the other three. Bloomberg separately reported that RBS wants to identify a buyer for its equities business, worldwide, within five weeks. Macquarie is among bidders for a €3 billion portfolio of aircraft financing loans being sold by Societe Generale, the Financial Review reports. SocGen plans to sell down this portfolio by the end of the first quarter. Bendigo and Adelaide Bank has made an improved pay offer in negotiations with the Finance Sector Union. According to the union, the bank proposes a pay rise of four per cent in the first year of a new agreement and 3.5 per cent in the two following years. The bank previously proposed pay rises of three per cent each year. There will also be a 50 per cent loading for work on Saturday mornings. Mortgage specialist Firstfolio has signed a joint venture agreement with Evergreen Finance Company that will give it exposure to the personal finance market in Australia and New Zealand. Evergreen has been in business since 2001. It has funding from a major bank and sells store finance and small to medium personal loans. Under the joint venture, the two partners will develop consumer finance products for distribution through direct channels as well as through Firstfolio's broker and affiliate networks.