Plunkett's Banking, Mortgages and Credit Industry Almanac

Jack W. Plunkett is CEO & Publisher of Plunkett Research, Ltd., a Houston-based provider of market research and industry information in printed and electronic formats. Plunkett's client list includes 5,000 leading corporations, universities and government agencies worldwide. Plunkett's research products are distributed electronically through subscriptions to its website, www.plunkettresearch.com, and around the globe by major booksellers and news distributors. Jack Plunkett's work has been widely covered by hundreds of magazines, newspapers and broadcast stations, including stories in USA Today and Inc. Magazine. Plunkett is frequently interviewed as an expert source by publications such as Newsweek, The Wall Street Journal. The New York Times and Investor's Business Daily, media outlets such as NPR's Marketplace, ABC, and CBS Marketwatch, as well as local and regional newspapers and national columnists.

PLUNKETT'S BANKING, MORTGAGES & CREDIT INDUSTRY ALMANAC 2008CONTENTSA Short Banking, Mortgages & Credit Industry Glossary iIntroduction 1How to Use This Book 3Chapter 1: Major Trends Affecting the Banking, Mortgages & Credit Industry 71) Introduction to the Banking, Mortgages & Credit Industry 72) Mergers Reduce the Total Number of Banking Companies/Startup Banks Continue to Open 93) Banks Adopt Sophisticated Technology and Retail Perks to Attract Customers 104) Banks Vie for Previously Underserved Markets and Focus on Hispanics 105) Mergers and Acquisitions Continue 126) National and International Bank Chains Expand 127) Community Banks Outnumber Major Chains 138) Japan's Parliament Agrees to Privatize the Japan Post--One of the World's Largest Financial Services Organizations 139) China's Banking Market Looms Large 1410) India's Banking Restrictions Slow Foreign Investment While Investment Banking Flourishes 1511) ATMs Evolve from Cash-Dispensing Machines into Financial Services Depots 1512) Non-Bank Competition Grows/Retailers and Automobile Makers Become Bankers 1613) Credit Swaps Soar into the Trillions of Dollars 1714) Banks See Growth in Online Services 1715) Credit Cards Fiercely Competitive/Card Giants Launch IPOs 1916) Credit Card Technologies Advance with Better Security and Contactless Payment 2017) Smart Phones May Replace Smart Cards 2118) Subprime and Alt-A Mortgages Burn Overburdened Homeowners 2119) U.S. Homeowners Refinanced Vast Amounts of Mortgages Through2006, but the Mortgage Market Has Changed 2320) Mortgage Originations to Drop in 2007 and 2008/Origination FeesFall/Online CompetitionChanges the Industry 2321) Mortgage Borrowers Turn Away from ARMs as Interest Rates Rise 2422) Mortgage Market Facts 24Chapter 2: Banking, Mortgages & Credit Industry Statistics 30U.S. Banking, Credit and Mortgages Industry Overview 31I. Banking 32Top 50 U.S. Bank Holding Companies: September 30, 2007 33World's Top Ten Banks by Total Assets: December 2006 35The Top 30 U.S. Banks by Assets 36The 20 Largest Bank & Thrift Merger & Acquisition Deals: 1996-2007 37Assets & Liabilities of FDIC-Insured Commercial Banks, Grouped byAsset Size: June 2007 38Deposits, Income & Expenses of FDIC-Insured Commercial Banks: June,2003-2007 39Assets & Liabilities of Foreign Banking Offices in the U.S.: 2001-2ndQuarter 2007 40Savings & Investment, U.S.: 1960-2nd Quarter 2007 41Prime Interest Rate, U.S.: 1955-October 2007 42Bond Yields & Interest Rates, U.S., Selected Years: 1940-2006 43Employment in the Banking Industry, U.S.: 2001-2007 44II. Mortgages 45Homeownership Rates by Region, U.S.: 1995-2006 46Homeownership Rates by Race & Ethnicity of Householder, U.S.: 2000-2006 47New Privately-Owned Housing Units Started, U.S.: 1980-2006 48Mortgage Loans Outstanding, U.S.: 1975-2nd Quarter 2007 49Home Mortgages by Holder, U.S.: 2002-2nd Quarter 2007 50Home Equity Loans by Holder, U.S.: 2002-2nd Quarter 2007 51Liabilities & Assets, U.S. Agency- & Government Sponsored Enterpris(GSE)-Backed Securities by Holder: 2002-2nd Quarter 2007 52Top Ten U.S. Mortgage Finance Companies: 2006 53III. Credit 54Consumer Credit Outstanding, U.S.: 1965-August 2007 55Consumer Credit Outstanding by Major Holders, U.S.: 2001- August 2007 56Terms of Credit at Commercial Banks, U.S.: 2000-August 2007 57Top 10 Credit Card Issuers, U.S.: 2005-2006 58Chapter 3: Important Banking, Mortgages & Credit Industry Contacts 59(Addresses, Phone Numbers and World Wide Web Sites)Chapter 4: THE BANKING & LENDING 300:Who They Are and How They Were Chosen 76Industry List, With Codes 77Index of Rankings Within Industry Groups 79Alphabetical Index 87Index of Headquarters Location by U.S. State 90Index of Non-U.S. Headquarters Location by Country 93Index by Regions of the U.S. Where the Firms Have Locations 95Index by Firms with Operations Outside the U.S. 102Individual Data Profiles on Each of THE BANKING & LENDING 300 104Additional IndexesIndex of Hot Spots for Advancement for Women/Minorities 414Index by Subsidiaries, Brand Names and Selected Affiliations 416