| A Short Banking 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 | 11 |
| 3) Aging Populations, Baby Boomers Create Opportunities/U.S. Pension Accounts Top $18.1 Trillion | 11 |
| 4) 2010 Reform Act Increases Regulation of Financial Industry, including Banks, Investment Companies and Insurance Firms | 13 |
| 5) Nationalization of Banks and Investment Firms Worldwide | 15 |
| 6) Giant Mergers Change the Face of Global Banking and Investment Firms | 15 |
| 7) Investment Firms, Banks Compete for Clients in High Net Worth Households | 16 |
| 8) Banks Vie for Previously Underserved Markets and Focus on Hispanics | 17 |
| 9) Wal-Mart Opens 1,800 In-store Money Centers in the U.S./Banco de Wal-Mart in Mexico | 18 |
| 10) China’s Banking Market Will See Long Term Growth | 19 |
| 11) India’s Foreign Banking Restrictions Ease Slightly/Microloans Grow | 20 |
| 12) Bank Technology Requires Continuous Investment/ATMs Evolve into Financial Services Depots | 21 |
| 13) Credit Default Swaps (CDS) and Derivatives Soar into the Trillions of Dollars | 22 |
| 14) Banks See Rapid Growth in Online Banking | 23 |
| 15) Credit Card Issuers Face new Regulations/Enjoy Global Growth | 25 |
| 16) Credit Card Technologies Advance with Embedded Chips, Better Security and Contactless Payment | 26 |
| 17) Smartphones Aid Wireless Payments/Square Soars as a Mobile Merchant Transaction System | 27 |
| 18) Cellphones Revolutionize Life in Emerging Nations/mChek and M-PESA Enable Remote Banking | 29 |
| 19) U.S. Mortgage Foreclosures Reach Record Numbers | 30 |
| 20) Online Competition Changes the Mortgage Industry | 30 |
| 21) Commercial Mortgage Defaults and Foreclosures Rise | 31 |
| 22) Hedge Funds Play a Major Role in Financial Products, Including Derivatives, Lending and Insurance | 32 |
| 23) Mortgage Market Facts | 33 |
| Chapter 2: Banking Industry Statistics | 37 |
| U.S. Banking, Mortgages & Credit Industry Overview | 38 |
| Top 50 U.S. Bank Holding Companies: June 30, 2011 | 39 |
| World’s Top 20 Banks by Total Assets: 2010 | 41 |
| FDIC Insured Institution Statistics | 42 |
| Number of Failed U.S. Bank Institutions, 1990-2011 | 43 |
| Deposit Insurance Fund Balance and Insured Deposits, 2006-2011 | 44 |
| Assets & Liabilities of FDIC-Insured Commercial Banks, Grouped by Asset Size: June 2011 | 45 |
| Top Ten Federally-Chartered & State-Chartered Banks by Assets: 2011 | 46 |
| Deposits, Income & Expenses of FDIC-Insured Commercial Banks: June, 2007-2011 | 47 |
| Assets & Liabilities of Foreign Banking Offices in the U.S.: 2005-2nd Quarter 2011 | 48 |
| Prime Interest Rate, U.S.: 1955-October 2011 | 49 |
| Bond Yields & Interest Rates, U.S., Selected Years: 1940-2010 | 50 |
| Employment in the Banking Industry, U.S.: 2005-2011 | 51 |
| Homeownership Rates by Region, U.S.: 2003-2010 | 52 |
| Homeownership Rates by Race & Ethnicity of Householder, U.S.: 2003-2010 | 53 |
| New Privately-Owned Housing Units Started, U.S.: 1975-2010 | 54 |
| Mortgage Loans Outstanding, U.S.: 1975-2nd Quarter 2011 | 55 |
| Home Mortgages by Holder, U.S.: 2006-2nd Quarter 2011 | 56 |
| Assets & Liabilities, U.S. Agency- & Government Sponsored Enterprise (GSE)-Backed Securities by Holder: 2006-2nd Quarter 2011 | 57 |
| Consumer Credit Outstanding, U.S.: 1970-August 2010 | 58 |
| Consumer Credit Outstanding by Major Holders, U.S.: 2006-July 2011 | 59 |
| Terms of Credit at Commercial Banks, U.S.: 2005-August 2011 | 60 |
| Loan Performance, FDIC-Insured Institutions: June 2011 | 61 |
| Chapter 3: Important Banking Industry Contacts | 63 |
| (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 Companies 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 | 105 |
| Index by Firms with International Operations | 112 |
| Individual Data Profiles on Each of THE BANKING & LENDING 300 | 115 |
| Additional Indexes | |
| Index of Hot Spots for Advancement for Women/Minorities | 422 |
| Index by Subsidiaries, Brand Names and Selected Affiliations | 424 |