| 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) For the Long Term in the U.S., a Decline in Consumer Spending and Debt, along with an Increase in Saving | 10 |
| 3) Nationalization of Banks and Investment Firms Worldwide | 11 |
| 4) Giant Mergers Change the Face of Global Banking and Investment Firms | 12 |
| 5) Banks Adopt Sophisticated Technology and Retail Perks to Attract Customers | 13 |
| 6) Banks Vie for Previously Underserved Markets and Focus on Hispanics | 13 |
| 7) Japan May Halt the Privatization of the Japan Post - One of the World's Largest Financial Services Organizations | 15 |
| 8) China's Banking Market Posts Growth | 15 |
| 9) India's Banking Restrictions Slow Foreign Investment | 16 |
| 10) ATMs Evolve from Cash-Dispensing Machines into Financial Services Depots | 17 |
| 11) Credit Default Swaps (CDS) Soar into the Trillions of Dollars | 17 |
| 12) Banks See Growth in Online Services | 19 |
| 13) Commercial Mortgage Defaults and Foreclosures Rise | 20 |
| 14) Credit Card Debts Could be the Next Big Problem/Credit Card Competition is Fierce | 21 |
| 15) Credit Card Technologies Advance with Better Security and Contactless Payment | 23 |
| 16) Mobile Banking, Remittances and Wireless Payments Grow as the Global Cell Phone Subscriber Base Hits 4 Billion | 24 |
| 17) Subprime and Alt-A Mortgages/ Foreclosures Burn Overburdened Homeowners | 26 |
| 18) Mortgage Origination Fees Fall/Online Competition Changes the Industry | 27 |
| 19) Mortgage Market Facts | 28 |
| Chapter 2: Banking, Mortgages & Credit Industry Statistics | 35 |
| U.S. Banking, Credit and Mortgages Industry Overview | 36 |
| I. Banking | 37 |
| Top 50 U.S. Bank Holding Companies: June 30, 2009 | 38 |
| World's Top 20 Banks by Total Assets: 2008 | 40 |
| FDIC Insured Institution Statistics | 41 |
| Number of Failed U.S. Bank Institutions | 42 |
| Deposit Insurance Fund Balance and Insured Deposits | 43 |
| Assets & Liabilities of FDIC-Insured Commercial Banks, Grouped by Asset Size: June 2009 | 44 |
| Top Ten Federally-Chartered & State-Chartered Banks by Assets: 2009 | 45 |
| Deposits, Income & Expenses of FDIC-Insured Commercial Banks: June, 2005-2009 | 46 |
| Assets & Liabilities of Foreign Banking Offices in the U.S.: 2004-2nd Quarter 2009 | 47 |
| Savings & Investment, U.S.: 1965-2nd Quarter 2009 | 48 |
| Prime Interest Rate, U.S.: 1955-October 2009 | 49 |
| Bond Yields & Interest Rates, U.S., Selected Years: 1940-2008 | 50 |
| Employment in the Banking Industry, U.S.: 2002-2009 | 51 |
| II. Mortgages | 52 |
| Homeownership Rates by Region, U.S.: 2001-2008 | 53 |
| Homeownership Rates by Race & Ethnicity of Householder, U.S.: 2001-2008 | 54 |
| New Privately-Owned Housing Units Started, U.S.: 1980-2008 | 55 |
| Mortgage Loans Outstanding, U.S.: 1975-2nd Quarter 2009 | 56 |
| Home Mortgages by Holder, U.S.: 2003-2nd Quarter 2009 | 57 |
| Liabilities & Assets, U.S. Agency- & Government Sponsored Enterprise (GSE)-Backed Securities by Holder: 2004-2nd Quarter 2009 | 58 |
| Top Ten U.S. Mortgage Finance Companies by Managed Receivables: 2008 | 59 |
| III. Credit | 60 |
| Consumer Credit Outstanding, U.S.: 1965-August 2009 | 61 |
| Consumer Credit Outstanding by Major Holders, U.S.: 2004-August 2009 | 62 |
| Terms of Credit at Commercial Banks, U.S.: 2004-August 2009 | 63 |
| Loan Performance, FDIC-Insured Institutions: March 2009 | 64 |
| Chapter 3: Important Banking, Mortgages & Credit Industry Contacts | 65 |
| (Addresses, Phone Numbers and Internet Sites) | |
| Chapter 4: THE BANKING & LENDING 300: | |
| Who They Are and How They Were Chosen | 87 |
| Industry List, With Codes | 88 |
| Index of Rankings Within Industry Groups | 89 |
| Alphabetical Index | 97 |
| Index of U.S. Headquarters Location by State | 100 |
| Index of Non-U.S. Headquarters Location by Country | 103 |
| Index by Regions of the U.S. Where the Firms Have Locations | 104 |
| Index by Firms with International Operations | 111 |
| Individual Data Profiles on Each of THE BANKING & LENDING 300 | 115 |
| Additional Indexes | |
| Index of Hot Spots for Advancement for Women/Minorities | 438 |
| Index by Subsidiaries, Brand Names and Selected Affiliations | 440 |