Not only is the HIV/AIDS pandemic a "humanitarian disaster," but the disease could also cause an "economic crisis" in "emerging markets" such as South Africa, China and the former Soviet Union...A number of banks, including Deutsche Bank and Dresdner Bank [part of Allianz], have said that HIV/AIDS statistics will have to be included in financial forecasting, stock selection, asset allocation and risk underwriting. [refers to Gold Fields and Anglo American]