The remaining $13 billion is owed to commercial banks.

For the last 14 months Ecuador has been paying only 30 percent of the annual interest it owes to banks.

About two-thirds of that total is owed to foreign banks and international lending institutions.

But poorer countries, especially those in Africa, owe most of their money to governments, not to banks.

Brazil has not made interest payments since February on $67 billion owed to foreign banks.

Latin America owes more than $360 billion to banks and governments in the industrialized world.

Poland owes about $35 billion to Western countries and banks.

About 30 percent of the credits are owed to American banks.

All told, Gitic, as the company is known, owes an estimated $10 billion to foreign banks.

The arrows show how much money is owed by each country to banks in other nations.