| A Short Banking, Mortgages & Credit Industry Glossary | i |
| Introduction | 1 |
| How to Use This Book | 3 |
| Chapter 1: Major Trends Affecting the Banking, Mortgages & Credit Industry | 7 |
| 1) Introduction to the Banking, Mortgages & Credit Industry | 7 |
| 2) Mergers Reduce the Total Number of Banking Companies/Startup Banks Continue to Open | 9 |
| 3) Banks Adopt Sophisticated Technology and Retail Perks to Attract Customers | 10 |
| 4) Banks Vie for Previously Underserved Markets and Focus on Hispanics | 10 |
| 5) Mergers and Acquisitions Continue | 12 |
| 6) National and International Bank Chains Expand | 12 |
| 7) Community Banks Outnumber Major Chains | 13 |
| 8) Japan’s Parliament Agrees to Privatize the Japan Post—One of the World’s Largest Financial Services Organizations | 13 |
| 9) China’s Banking Market Looms Large | 14 |
| 10) India’s Banking Restrictions Slow Foreign Investment While Investment Banking Flourishes | 15 |
| 11) ATMs Evolve from Cash-Dispensing Machines into Financial Services Depots | 15 |
| 12) Non-Bank Competition Grows/Retailers and Automobile Makers Become Bankers | 16 |
| 13) Credit Swaps Soar into the Trillions of Dollars | 17 |
| 14) Banks See Growth in Online Services | 17 |
| 15) Credit Cards Fiercely Competitive/Card Giants Launch IPOs | 19 |
| 16) Credit Card Technologies Advance with Better Security and Contactless Payment | 20 |
| 17) Smart Phones May Replace Smart Cards | 21 |
| 18) Subprime and Alt-A Mortgages Burn Overburdened Homeowners | 21 |
| 19) U.S. Homeowners Refinanced Vast Amounts of Mortgages Through 2006, but the Mortgage Market Has Changed | 23 |
| 20) Mortgage Originations to Drop in 2007 and 2008/Origination Fees Fall/Online Competition Changes the Industry | 23 |
| 21) Mortgage Borrowers Turn Away from ARMs as Interest Rates Rise | 24 |
| 22) Mortgage Market Facts | 24 |
| Chapter 2: Banking, Mortgages & Credit Industry Statistics | 31 |
| U.S. Banking, Credit and Mortgages Industry Overview | 32 |
| I. Banking | 33 |
| Top 50 U.S. Bank Holding Companies: September 30, 2007 | 34 |
| World’s Top Ten Banks by Total Assets: December 2006 | 36 |
| The Top 30 U.S. Banks by Assets | 37 |
| The 20 Largest Bank & Thrift Merger & Acquisition Deals: 1996-2007 | 38 |
| Assets & Liabilities of FDIC-Insured Commercial Banks, Grouped by Asset Size: June 2007 | 39 |
| Deposits, Income & Expenses of FDIC-Insured Commercial Banks: June, 2003-2007 | 40 |
| Assets & Liabilities of Foreign Banking Offices in the U.S.: 2001-2nd Quarter 2007 | 41 |
| Savings & Investment, U.S.: 1960-2nd Quarter 2007 | 42 |
| Prime Interest Rate, U.S.: 1955-October 2007 | 43 |
| Bond Yields & Interest Rates, U.S., Selected Years: 1940-2006 | 44 |
| Employment in the Banking Industry, U.S.: 2001-2007 | 45 |
| II. Mortgages | 47 |
| Homeownership Rates by Region, U.S.: 1995-2006 | 48 |
| Homeownership Rates by Race & Ethnicity of Householder, U.S.: 2000-2006 | 49 |
| New Privately-Owned Housing Units Started, U.S.: 1980-2006 | 50 |
| Mortgage Loans Outstanding, U.S.: 1975-2nd Quarter 2007 | 51 |
| Home Mortgages by Holder, U.S.: 2002-2nd Quarter 2007 | 52 |
| Home Equity Loans by Holder, U.S.: 2002-2nd Quarter 2007 | 53 |
| Liabilities & Assets, U.S. Agency- & Government Sponsored Enterprise (GSE)-Backed Securities by Holder: 2002-2nd Quarter 2007 | 54 |
| Top Ten U.S. Mortgage Finance Companies: 2006 | 55 |
| III. Credit | 57 |
| Consumer Credit Outstanding, U.S.: 1965-August 2007 | 58 |
| Consumer Credit Outstanding by Major Holders, U.S.: 2001- August 2007 | 59 |
| Terms of Credit at Commercial Banks, U.S.: 2000-August 2007 | 60 |
| Top 10 Credit Card Issuers, U.S.: 2005-2006 | 61 |
| Chapter 3: Important Banking, Mortgages & Credit Industry Contacts | 63 |
| (Addresses, Phone Numbers and World Wide Web Sites) | |
| Chapter 4: THE BANKING & LENDING 300: | |
| Who They Are and How They Were Chosen | 81 |
| Industry List, With Codes | 82 |
| Index of Rankings Within Industry Groups | 84 |
| Alphabetical Index | 92 |
| Index of Headquarters Location by U.S. State | 95 |
| Index of Non-U.S. Headquarters Location by Country | 98 |
| Index by Regions of the U.S. Where the Firms Have Locations | 100 |
| Index by Firms with Operations Outside the U.S. | 107 |
| Individual Data Profiles on Each of THE BANKING & LENDING 300 | 109 |
| Additional Indexes | |
| Index of Hot Spots for Advancement for Women/Minorities | 420 |
| Index by Subsidiaries, Brand Names and Selected Affiliations | 422 |