+++ International equity mutual funds, with assets of $25 million or more, ranked by the total return in the third quarter (dollar amounts in millions)

Return on Average Assets

Rank Rank ROA ROA

3Q96 3Q95 3Q96 3Q95

1 1 MBNA Corp. (L) 3.46 3.23

2 4 Bank of New York Co., Inc. (S) 1.93 1.8

3 7 HSBC Americas, Inc.(F,L) 1.89 1.72

4 6 CoreStates Financial Corp, (S,r 1.81 1.75

5 8 Mellon Bank Corp. (S) 1.71 1.71

6 3 Fifth Third Bancorp (L) 1.58 1.81

7 5 First Bank System, Inc. (S) 1.56 1.78

8 25 National City Corp. (S,r) 1.54 1.29

9 14 Norwest Corp. (S) 1.49 1.44

10 9 Banc One Corp. (M) 1.48 1.53

10 First Tennessee National Corp. 1.48 1.51

12 10 U.S. Bancorp (S,r) 1.46 1.51

13 37 Comerica, Inc. (S) 1.45 1.22

14 15 Wachovia Corp. (S) 1.44 1.42

23 First Security Corp. (L) 1.44 1.3

16 13 Firstar Corp. (L) 1.42 1.46

17 20 Citicorp (M) 1.4 1.32

18 27 Fleet Financial Group, Inc.(S,r 1.36 1.28

19 45 PNC Bank Corp. (S,r) 1.35 1.12

20 18 Huntington Bancshares, Inc. (L) 1.33 1.35

41 Summit Bancorp (L,r) 1.33 1.18

22 30 First Maryland Bancorp.(F,L) 1.31 1.27

23 22 Old Kent Financial Corp. (L) 1.3 1.31

24 10 Marshall & Ilsley Corp. (L) 1.29 1.51

19 SunTrust Banks, Inc. (S) 1.29 1.33

43 First Chicago NBD Corp. (M,r) 1.29 1.14

27 31 KeyCorp (S) 1.28 1.26

28 42 Northern Trust Corp. (L) 1.27 1.15

29 47 NationsBank Corp. (M) 1.26 1.11

30 23 Barnett Banks, Inc. (S) 1.25 1.3

31 20 Boatmen's Bancshares, Inc.(S,r) 1.24 1.32

32 16 Mercantile Bancorp. Inc.(L,r) 1.23 1.41

33 17 Union Planters Corp.(L,r) 1.2 1.38

34 2 Wells Fargo & Co. (M) 1.18 2.09

35 35 LaSalle National Corp.(F,L) 1.15 1.24

36 40 First Empire State Corp. (L) 1.14 1.2

37 27 Regions Financial Corp. (L,r) 1.12 1.28

27 First American Corp. (L,r) 1.12 1.28

37 BankAmerica Corp. (M) 1.12 1.22

40 51 SouthTrust Corp. (S) 1.1 1.04

51 BanPonce Corp. (L) 1.1 1.04

42 33 Southern National Corp. (L,r) 1.08 1.25

43 31 First Union Corp. (M,r) 1.07 1.26

44 53 Chase Manhattan Corp. (M,r) 1.06 1

45 45 Signet Banking Corp. (L) 1.04 1.12

46 54 State Street Boston Corp. (S) 1 0.97

47 49 Central Fidelity Banks Inc. (L) 0.97 1.06

48 39 Compass Bancshares, Inc. (L,r) 0.93 1.21

43 First of America Bank Corp. (L) 0.93 1.14

50 49 Bancorp Hawaii, Inc. (L) 0.91 1.06

51 25 UnionBanCal Corp.(F,S,r) 0.89 1.29

52 56 Republic New York Corp. (S) 0.87 0.91

53 33 Crestar Financial Corp.(L,r) 0.85 1.25

54 48 AmSouth Bancorporation (L) 0.77 1.1

55 55 Harris Bank, Chicago (F,L) 0.65 0.93

56 59 Bankers Trust New York Corp. (M 0.57 0.57

57 36 Bank of Boston Corp.(S,r) 0.53 1.23

58 58 J.P. Morgan & Co., Inc. (M) 0.52 0.83

- 57 Citizens Financial Group, Inc. NA 0.84

Mean values for mega banks 1.1 1.21

Mean values for superregionals 1.33 1.35

Mean values for large regionals 1.26 1.33

Mean values for all 59 banks 1.26 1.32

Median values for mega banks 1.15 1.18

Median values for superregional 1.36 1.3

Median values for large region 1.18 1.25

Median values for all 59 banks 1.26 1.27

Return on Average Common Equity

Rank Rank ROE ROE

3Q96 3Q95 3Q96 3Q95

1 1 MBNA Corp. (L) 37.47 39.1

2 3 LaSalle National Corp.(F,L) 22.09 24.09

3 11 HSBC Americas, Inc.(F,L) 21.36 18.08

4 4 First Tennessee National Corp. 20.82 21.5

5 7 Norwest Corp. (S) 20.11 20.57

6 5 CoreStates Financial Corp, (S,r 19.84 20.89

7 8 Bank of New York Co., Inc. (S) 19.53 19.16

8 21 Mellon Bank Corp. (S) 19.25 17.14

9 10 NationsBank Corp. (M) 19.04 18.46

10 12 Citicorp (M) 18.67 18.05

11 22 State Street Boston Corp. (S) 18.36 17

12 17 Wachovia Corp. (S) 18.13 17.47

13 17 Firstar Corp. (L) 18.11 17.47

14 20 Huntington Bancshares, Inc. (L) 18.01 17.17

15 24 Comerica, Inc. (S) 17.99 16.81

16 26 Northern Trust Corp. (L) 17.85 16.65

17 28 National City Corp. (S,r) 17.64 16.46

37 First Security Corp. (L) 17.64 15.58

19 6 First Bank System, Inc. (S) 17.2 20.83

20 23 Banc One Corp. (M) 16.88 16.91

21 13 KeyCorp (S) 16.82 17.94

22 15 First Empire State Corp. (L) 16.73 17.79

23 19 U.S. Bancorp (S,r) 16.72 17.34

24 42 Chase Manhattan Corp. (M,r) 16.68 15.26

25 34 Fleet Financial Group, Inc.(S,r 16.54 15.83

26 38 Old Kent Financial Corp. (L) 16.32 15.53

27 46 PNC Bank Corp. (S,r) 16.23 14.53

28 25 First Chicago NBD Corp. (M,r) 16.2 16.79

29 33 SouthTrust Corp. (S) 15.98 15.89

30 14 First Union Corp. (M,r) 15.91 17.83

31 45 Summit Bancorp (L,r) 15.69 14.54

32 9 Fifth Third Bancorp (L) 15.47 18.51

33 51 BanPonce Corp. (L) 15.39 14.09

34 30 Barnett Banks, Inc. (S) 15.34 16.02

35 36 Mercantile Bancorp. Inc.(L,r) 14.28 15.75

36 29 Marshall & Ilsley Corp. (L) 14.05 16.09

37 16 Compass Bancshares, Inc. (L,r) 13.87 17.52

38 39 Boatmen's Bancshares, Inc.(S,r) 13.81 15.49

55 Republic New York Corp. (S) 13.81 13.37

40 44 Signet Banking Corp. (L) 13.71 14.63

41 32 Southern National Corp. (L,r) 13.63 15.91

42 40 Regions Financial Corp. (L,r) 13.55 15.36

43 49 BankAmerica Corp. (M) 13.52 14.26

44 27 Union Planters Corp.(L,r) 13.42 16.49

57 Bankers Trust New York Corp. (M 13.42 12.54

46 52 SunTrust Banks, Inc. (S) 13.2 14.05

47 31 First American Corp. (L,r) 13.04 15.92

48 48 Central Fidelity Banks Inc. (L) 12.41 14.28

49 56 Bancorp Hawaii, Inc. (L) 11.85 12.69

50 41 First of America Bank Corp. (L) 11.71 15.29

51 59 First Maryland Bancorp.(F,L) 11.33 11.01

52 43 Crestar Financial Corp.(L,r) 10.42 14.74

53 50 UnionBanCal Corp.(F,S,r) 10.18 14.21

54 53 AmSouth Bancorp. (L) 10.14 13.49

55 47 J.P. Morgan & Co., Inc. (M) 10.02 14.46

56 2 Wells Fargo & Co. (M) 8.69 27.52

57 54 Harris Bank, Chicago (F,L) 8.1 13.48

58 35 Bank of Boston Corp.(S,r) 6.72 15.79

58 Citizens Financial Group, Inc. NA 11.94

Mean values for mega banks 14.9 17.21

Mean values for superregionals 16.17 16.84

Mean values for large regionals 15.66 16.71

Mean values for all 59 banks 15.71 16.84

Median values for mega banks 16.06 16.85

Median values for superregiona 16.77 16.64

Median values for large regiona 14.17 15.75

Median values for all 59 banks 15.95 16.02

The Efficiency Ratio

Rank Rank Eff Rat Eff Rat

3Q96 3Q95 3Q96 3Q95

1 1 Fifth Third Bancorp (L) 41.04 43.75

2 3 First Bank System, Inc. (S) 46.86 49.1

3 14 Summit Bancorp (L,r) 50.8 55.7

4 12 First Chicago NBD Corp. (M,r) 51.46 55.32

5 7 Wachovia Corp. (S) 51.67 52.8

6 2 Bank of New York Co., Inc. (S) 52.18 49.07

7 4 Central Fidelity Banks Inc. (L) 52.34 51.46

8 9 Southern National Corp. (L,r) 52.6 53.7

9 30 SouthTrust Corp. (S) 53.56 58.62

10 18 Comerica, Inc. (S) 53.7 56.13

11 10 CoreStates Financial Corp, (S,r 53.72 54.01

12 24 HSBC Americas, Inc.(F,L) 53.75 57.47

13 20 U.S. Bancorp (S,r) 54 56.21

14 6 LaSalle National Corp.(F,L,j) 54.16 52.32

15 11 AmSouth Bancorp. (L) 54.72 55.26

16 8 Republic New York Corp. (S) 54.73 53.8

17 17 Huntington Bancshares, Inc. (L) 54.88 56.16

18 19 Regions Financial Corp. (L,r) 54.93 56.19

19 22 BankAmerica Corp. (M) 54.94 57.01

20 34 Union Planters Corp.(L,r) 55.33 59.16

21 21 Boatmen's Bancshares, Inc.(S,r) 55.37 56.27

22 26 Barnett Banks, Inc. (S) 55.55 57.65

23 16 NationsBank Corp. (M) 55.96 55.87

24 35 Firstar Corp. (L) 55.99 59.25

25 28 Bank of Boston Corp.(S,r) 56.24 58.01

26 15 BanPonce Corp. (L) 56.29 56.05

27 43 First Empire State Corp. (L) 56.44 60.13

28 49 PNC Bank Corp. (S,r) 57.22 63.36

29 40 First Union Corp. (M,r) 57.34 60.62

30 13 Mercantile Bancorp. Inc.(L,r) 57.39 55.5

31 45 Chase Manhattan Corp. (M,r) 57.57 61.4

32 27 Banc One Corp. (M) 57.65 57.69

33 5 Wells Fargo & Co. (M) 57.78 51.7

34 46 First Security Corp. (L) 57.9 63.14

35 23 Old Kent Financial Corp. (L) 58.05 57.25

36 52 National City Corp. (S,r) 58.18 64.41

37 33 Fleet Financial Group, Inc.(S,r 58.48 58.81

38 44 Norwest Corp. (S) 58.55 61.09

39 32 SunTrust Banks, Inc. (S) 58.8 58.66

40 39 Crestar Financial Corp.(L,r) 58.99 59.74

41 37 First of America Bank Corp. (L) 60.06 59.37

42 31 Citicorp (M) 60.12 58.87

43 36 Mellon Bank Corp. (S) 60.47 59.36

44 47 MBNA Corp. (L) 60.52 62.24

45 38 KeyCorp (S) 60.71 59.32

46 29 Compass Bancshares, Inc. (L,r) 62.34 57.91

47 42 UnionBanCal Corp.(F,S,r) 62.44 61.06

48 55 Signet Banking Corp. (L) 62.87 65.99

49 25 First American Corp. (L,r) 63.25 57.5

50 48 Northern Trust Corp. (L) 63.43 64.15

51 60 Harris Bank, Chicago (F,L) 63.45 66.46

52 53 Marshall & Ilsley Corp. (L) 64.54 64.78

53 51 First Maryland Bancorp.(F,L) 64.6 64.64

54 41 Bancorp Hawaii, Inc. (L) 64.68 60.54

55 56 First Tennessee National Corp. 65.21 65.27

56 57 Citizens Financial Group, Inc. 70.27 65.02

57 50 J.P. Morgan & Co., Inc. (M) 72.98 64.32

58 58 State Street Boston Corp. (S) 74.22 74.29

59 59 Bankers Trust New York Corp. (M 79.39 75.83

Mean values for mega banks 60.52 59.86

Mean values for superregionals 56.83 58.1

Mean values for large regionals 58.3 58.83

Mean values for all 59 banks 58.18 58.76

Median values for mega banks 57.61 58.28

Median values for superregional 55.9 58.32

Median values for large regiona 57.9 59.16 ===

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