+++
Based on yearend 1998 data or latest fiscal yearend
part 1 of 4
1 Abbey National PLC, London, United Kingdom
2 ABN-Amro Bank, NV, Amsterdam, Netherlands
3 Asahi Bank Ltd., Tokyo, Japan (u)
4 Banca Intesa SPA Group, Milan, Italy
5 Banco Grupo Santander SA, Santander, Spain
6 Bank of America Corp., Charlotte, N.C., United States
7 Bank of Tokyo-Mitsubishi Ltd., Tokyo, Japan (u)
8 Bank One Corp., Chicago, Illinois, United States
9 Bankgesellschaft Berlin AG, Berlin, Germany
10 Banque Nationale de Paris, France
11 BarclaysBank PLC, London, United Kingdom
12 Bayerische Landesbank Girozentrale, Munich, Germany
13 Canadian Imperial Bank of Commerce, Toronto, Canada
14 Chase Manhattan Corp., New York, United States
15 Citigroup Inc., New York, United States
16 Commerzbank AG, Frankfurt, Germany
17 Credit Agricole Group, Paris, France
18 Credit Lyonnais, Paris, France
19 Credit Suisse Group, Zurich, Switzerland
20 Dai-Ichi Kangyo Bank Ltd., Tokyo, Japan
21 Deutsche Bank AG, Frankfurt, Germany
22 Deutsche Genossenschaftsbank, Frankfurt, Germany
23 Dexia Group, Brussels, Belgium
24 Dresdner Bank AG, Frankfurt, Germany
25 First Union Corp., Charlotte, N.C., United States
26 Fortis AG, Brussels, Belgium
27 Fuji Bank Ltd., Tokyo, Japan (u)
28 Halifax Plc, Leeds, United Kingdom
29 HSBC Holdings, PLC, London, United Kingdom
30 HypoVereinsbank AG, Munich, Germany
31 Industrial Bank of Japan Ltd., Tokyo, Japan (a)
32 ING Group, Amsterdam, Netherlands
33 Istituto Bancario San Paolo di Torino IMI, Turin, Italy
34 KBC Bank and Insurance Group NV, Brussels, Belgium
35 Lloyds TSB Group Inc., London, United Kingdom
36 Morgan, J.P. & Co. Inc., New York, United States
37 NatWest Group, London, United Kingdom
38 Norddeutsche Landesbank Girozentrale, Hanover, Germany
39 Norinchukin Bank, Tokyo, Japan (a)
40 Paribas, Paris, France
41 Rabobank Group, Utrecht, Netherlands
42 Royal Bank of Canada, Toronto, Canada
43 Sakura Bank Ltd., Tokyo, Japan (u)
44 Sanwa Bank Ltd., Osaka, Japan (a)
45 Societe Generale, Paris, France
46 Sumitomo Bank Ltd., Osaka, Japan (u)
47 Tokai Bank Ltd., Nagoya, Japan
48 UBS Group, Zurich, Switzerland
49 Wells Fargo & Co., San Francisco, United States
50 Westdeutsche Landesbank-
Girozentrale, Duesseldorf, Germany
Totals and averages for the Top 50 World Banking Companies
Totals and averages for the Top 100 World Banking Companies
part 2 of 4
Nonperforming
Loan Holdings
12/31/98 12/31/97 %Change 12/31/98
1 $129,011 $118,944 8.46% 43.64%
2 258,859 236,077 9.65 51.03
3 175,303 176,336 -0.59 72.78
4 95,057 91,905 3.43 52.91
5 83,866 76,876 9.09 46.08
6 357,328 342,140 4.44 57.85
7 326,899 357,202 -8.48 55.68
8 146,364 159,579 -8.28 55.97
9 119,322 115,394 3.4 53.86
10 174,528 158,931 9.81 45.77
11 159,812 165,986 -3.72 43.79
12 117,332 109,079 7.57 41.13
13 98,676 94,290 4.65 54.1
14 172,754 168,454 2.55 47.22
15 221,958 198,606 11.76 33.2
16 211,756 187,037 13.22 55.3
17 244,782 230,350 6.27 53.38
18 130,983 145,976 -10.27 53.42
19 133,776 162,792 -17.82 28.16
20 286,158 319,607 -10.47 61.99
21 323,573 305,423 5.94 43.99
22 113,317 93,391 21.34 36.88
23 124,471 117,993 5.49 53.19
24 230,066 212,364 8.34 53.62
25 135,383 131,687 2.81 57.04
26 N/A 60,924 N/M N/A
27 250,575 269,391 -6.98 64.23
28 141,460 138,622 2.05 58.84
29 235,196 241,730 -2.7 48.7
30 354,939 334,392 6.14 65.63
31 N/A 201,862 N/M N/A
32 180,445 133,563 35.1 38.92
33 101,907 102,016 -0.11 54.96
34 62,700 55,675 12.62 36.16
35 158,889 146,262 8.63 56.88
36 25,495 31,578 -19.26 9.77
37 131,298 140,465 -6.53 42.45
38 67,369 61,516 9.51 37.78
39 N/A 151,297 N/M N/A
40 64,966 63,531 2.26 24.73
41 164,286 137,790 19.23 56.04
42 107,099 101,275 5.75 60.22
43 271,583 295,070 -7.96 68.4
44 271,302 295,851 -8.3 69.73
45 169,638 174,798 -2.95 37.68
46 283,573 302,189 -6.16 65.43
47 158,698 172,449 -7.97 59.26
48 180,507 197,246 -8.49 26.26
49 107,994 106,311 1.58 53.34
50
152,127 136,663 11.32 36.57
Total $8,213,380 $8,528,885 -3.7 49.45
Total$10,745,415 $11,163,802 -3.75 53.24
part 3 of 4
Net Interest Income/
Gr Interest Earnings Assets
12/31/97 12/31/98 12/31/9712/31/9812/31/97
1 47.43 0.46% 0.47% 1.65% 1.57%
2 52.98 2.93 2.45 1.85 2.01
3 71.64 3.64 2.97 3.64 2.97
4 54.33 N/A 5.58 2.26 2.6
5 41.98 2.37 2.52 2.95 2.43
6 59.92 0.84 0.91 3.13 3.39
7 51.83 4.38 2.34 1.23 0.97
8 66.67 1.22 1.15 3.9 4.12
9 54.18 N/A N/A 0.99 0.97
10 43.64 5.34 5.52 1.28 1.34
11 42.95 1.9 1.72 2.23 2.27
12 41.82 N/A N/A 0.57 0.61
13 61.13 0.97 1.1 2.05 2.38
14 46.09 1.13 0.87 2.35 2.32
15 28.48 2.09 N/A 2.86 N/A
16 58.06 N/A N/A 1.1 1.41
17 51.18 N/A N/A 1.85 2.03
18 54.43 N/A N/A 1.6 2.3
19 32.4 N/A N/A 1.08 0.95
20 65.94 N/A N/A -0.79 -0.13
21 48.79 1.1 1.07 1.07 1.31
22 38.53 1.82 1.95 0.81 0.8
23 53.92 0.66 0.74 0.97 0.98
24 52.66 N/A N/A 1.12 1.22
25 64.01 0.75 0.99 3.59 4.04
26 34.17 N/A N/A N/A 1.77
27 62.7 3.33 3.09 1.3 1.21
28 63.59 2.42 2.86 2.82 2.94
29 50.97 3.68 2.23 2.79 2.94
30 66.91 N/A N/A 1.15 1.13
31 48.75 N/A 3.06 N/A 0.76
32 40.41 N/A N/A 4.5 4.53
33 51.81 5 4.69 1.89 1.75
34 31.48 N/A N/A 1.35 1.28
35 55.63 1.22 2.16 3.42 3.43
36 12.05 0.62 0.36 0.49 0.79
37 45.54 2.33 2.65 2.43 2.32
38 38.7 N/A N/A 0.66 0.71
39 38.54 N/A 0.8 N/A 0.54
40 25.84 7.91 9.95 0.52 0.59
41 61.15 N/A N/A 1.78 2.15
42 63.84 1.2 1.15 2.34 2.42
43 67.93 3.59 2.84 1.36 1.32
44 69.13 3.61 1.93 1.22 1.22
45 39.72 N/A N/A 1.15 1.34
46 61.87 4.86 2.23 1.36 1.23
47 58.72 N/A N/A 1.15 1.06
48 24.94 5.93 5.83 1.25 1.67
49 57.25 0.79 0.58 4.77 4.75
50
38.12 N/A N/A 1.41 1.42
Total 49.9 2.6 2.46 1.84 1.84
Total 53.35 3.62 3.01 2.11 2.04
part 4 of 4
Interest Income as a
% of Total Revenue
12/31/9812/31/97
1 68.65% 69.73%
2 55.5 56.58
3 58.7 55.25
4 83.67 83.33
5 57.64 54.1
6 55.78 58.44
7 N/M N/M
8 50.87 54.42
9 41.35 45.53
10 37.75 48.77
11 56.64 51.42
12 35.86 56.04
13 47.45 53.16
14 43.24 47.47
15 35.27 34.49
16 48.82 58.03
17 48.28 54.05
18 45.66 56.87
19 22.06 20.47
20 56.02 51.52
21 78.64 79.45
22 36.83 38.2
23 65.18 61.94
24 42.84 47.32
25 51.52 61.06
26 N/M 44.9
27 56.99 48.69
28 73 76.08
29 54.24 55.39
30 62.28 64.01
31 N/M N/M
32 35.61 36.53
33 45.77 51.28
34 N/M 73.82
35 90.58 86.17
36 17.35 27.48
37 48.06 48.53
38 55.22 55.21
39 N/M N/M
40 16.81 19.17
41 63.86 66.14
42 50.39 53.89
43 58.83 41.37
44 42.72 51.03
45 38.26 44.34
46 68.45 61.73
47 47.99 40.4
48 27.4 25.6
49 54.33 57.38
50
37.78 48.33
Total 50.45 52.66
Total 53.74 55.65