| 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) Nationalization of Banks Worldwide | 10 |
| 3) Giant Mergers Change the Face of Global Banking | 10 |
| 4) U.S. Government Seizes Fannie Mae and Freddie Mac | 11 |
| 5) Banks Adopt Sophisticated Technology and Retail Perks to Attract Customers | 12 |
| 6) Banks Vie for Previously Underserved Markets and Focus on Hispanics | 12 |
| 7) Japan's Parliament Agrees to Privatize the Japan Post-One of the World's Largest Financial Services Organizations | 14 |
| 8) China's Banking Market Loomed Large But May Slow in a Tight Economy | 14 |
| 9) India's Banking Restrictions Slow Foreign Investment | 15 |
| 10) ATMs Evolve from Cash-Dispensing Machines into Financial Services Depots | 16 |
| 11) Credit Default Swaps (CDS) Soar into the Trillions of Dollars | 16 |
| 12) Banks See Growth in Online Services | 17 |
| 13) Credit Card Debts Could be the Next Big Problem/Credit Card Competition is Fierce | 19 |
| 14) Credit Card Technologies Advance with Better Security and Contactless Payment | 20 |
| 15) Smart Phones May Replace Smart Cards/Mobile Banking Grows | 21 |
| 16) Subprime and Alt-A Mortgages Burn Lenders and Overburdened Borrowers | 22 |
| 17) Mortgage Originations Fall | 24 |
| 18) 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: June 30, 2008 | 34 |
| World's Top 20 Banks by Total Assets: 2007 | 36 |
| Top Ten Bank & Thrift Merger & Acquisition Deals: 2007 | 37 |
| Assets & Liabilities of FDIC-Insured Commercial Banks, Grouped by Asset Size: June 2008 | 38 |
| Deposits, Income & Expenses of FDIC-Insured Commercial Banks: June, 2004-2008 | 39 |
| Top Ten Federally-Chartered & State-Chartered Banks by Assets: 2007 | 40 |
| Assets & Liabilities of Foreign Banking Offices in the U.S.: 2002-2nd Quarter 2008 | 41 |
| Savings & Investment, U.S.: 1960-2nd Quarter 2008 | 42 |
| Prime Interest Rate, U.S.: 1955-October 2008 | 43 |
| Bond Yields & Interest Rates, U.S., Selected Years: 1940-2007 | 44 |
| Employment in the Banking Industry, U.S.: 2002-2008 | 45 |
| II. Mortgages | 46 |
| Homeownership Rates by Region, U.S.: 2000-2007 | 47 |
| Homeownership Rates by Race & Ethnicity of Householder, U.S.: 2001-2007 | 48 |
| New Privately-Owned Housing Units Started, U.S.: 1980-2007 | 49 |
| Mortgage Loans Outstanding, U.S.: 1975-2nd Quarter 2008 | 50 |
| Home Mortgages by Holder, U.S.: 2002-2nd Quarter 2008 | 51 |
| Liabilities & Assets, U.S. Agency- & Government Sponsored Enterprise (GSE)-Backed Securities by Holder: 2003-2nd Quarter 2008 | 52 |
| Top Ten U.S. Mortgage Finance Companies by Managed Receivables: 2007 | 53 |
| III. Credit | 54 |
| Consumer Credit Outstanding, U.S.: 1965-August 2008 | 55 |
| Consumer Credit Outstanding by Major Holders, U.S.: 2003- August 2008 | 56 |
| Terms of Credit at Commercial Banks, U.S.: 2003-August 2008 | 57 |
| Top 10 Credit Card Issuers, U.S.: 2006-2007 | 58 |
| Chapter 3: Important Banking, Mortgages & Credit Industry Contacts | 59 |
| (Addresses, Phone Numbers and Internet Sites) | |
| Chapter 4: THE BANKING & LENDING 300: | |
| Who They Are and How They Were Chosen | 79 |
| Industry List, With Codes | 80 |
| Index of Rankings Within Industry Groups | 82 |
| Alphabetical Index | 89 |
| Index of Headquarters Location by U.S. State | 92 |
| Index of Non-U.S. Headquarters Location by Country | 95 |
| Index by Regions of the U.S. Where the Firms Have Locations | 96 |
| Index by Firms with Operations Outside the U.S. | 104 |
| Individual Data Profiles on Each of THE BANKING & LENDING 300 | 107 |
| Additional Indexes | |
| Index of Hot Spots for Advancement for Women/Minorities | 404 |
| Index by Subsidiaries, Brand Names and Selected Affiliations | 406 |