+++ The data shown in bold face have been restated for mergers announced or completed since March 31, 1996 (dollar amounts in millions)

part 1 of 2

Rank Rank Managed Credit Card Loans

Mar-96 Mar-95 3/31/96

1 1 Citicorp, New York (B) 50,611.00

2 2 Dean Witter, Discover & Co., New York (D) 29,780.00

3 4 MBNA Corp., Wilmington, Del. (B) 27,486.90

4 3 Chase Manhattan Corp., New York (B,r) 25,662.00

5 6 First USA Inc., Dallas (D) 18,336.80

6 5 First Chicago NBD Corp., Chicago (B,) 17,582.40

7 7 AT&T, New York (D) 13,500.00

8 8 Household International, Prospect Heights, Ill.12,799.10

9 10 Banc One Corp., Columbus, Ohio (B) 12,255.20

10 15 Advanta Corp., Horsham, Pa. (D) 11,670.10

11 11 NationsBank Corp./Boatmen's (B) 10,386.50

12 12 Capital One Financial Corp., Falls Church, Va. 10,118.30

13 9 BankAmerica Corp., San Francisco (B) 10,089.00

14 13 Bank of New York Co., Inc. (B) 8,976.80

15 14 American Express Co., New York (D) 8,867.30

16 16 Wells Fargo & Co./First Interstate (B) 7,038.70

17 17 General Electric Co.., Fairfield, Conn. (D) 6,651.70

18 19 Providian Corp., Louisville, Ky. (D) 6,316.60

19 18 First Union Corp., Charlotte, N.C. (B,r) 5,261.60

20 20 Wachovia Corp., Winston-Salem, N.C. (B) 4,911.30

21 21 Chevy Chase Bank, FSB, Md. (T) 4,696.30

22 24 USAA, San Antonio, Tex. (D) 3,357.20

23 25 Norwest Corp., Minneapolis (B) 3,241.70

24 26 Mellon Bank Corp., Pittsburgh (B) 3,239.60

25 22 First Bank System, Inc., Minneapolis (B) 3,218.00

26 28 Beneficial Corp., Wilmington, Del. (D) 2,714.50

27 23 Fleet Financial Group, Inc./Natwest (B,r) 2,592.20

28 27 First National of Nebraska, Inc., Omaha (B) 2,503.70

29 32 Peoples Mutual Holdings, Bridgeport, Conn. (T) 2,048.90

30 35 Barnett Banks, Inc., Jacksonville, Fla. (B) 1,919.80

31 29 HSBC Americas, Inc., Buffalo, N.Y. (B) 1,906.60

32 33 KeyCorp, Cleveland (B) 1,887.70

33 30 National City Corp./Integra (B) 1,879.20

34 36 CoreStates Financial Corp./Meridian (B) 1,662.90

35 34 Crestar Financial Corp.,/ Citizens Bancorp (B) 1,618.30

36 31 U.S. Bancorp, Portland, Ore. (B,r) 1,542.10

37 39 Prudential Insurance Co. of America, Newark, N.1,529.30

38 37 First of America Bank Corp., Kalamazoo, Mich. (1,415.00

39 38 Welsch, Carson, Anderson & Stowe, New York (D) 1,253.20

40 43 Mercantile Bancorporation, Inc., St. Louis (B) 1,245.10

41 42 PNC Bank Corp., Pittsburgh (B,r) 1,129.80

42 41 Dillard Department Stores Inc., Little Rock, Ar1,076.20

43 49 Bank of Boston/BayBanks (B) 1,036.00

44 44 Harris Bank, Chicago (B) 979.6

45 40 Comerica, Inc., Detroit (B) 930

46 48 First Maryland Bancorp, Baltimore (B) 870.9

47 46 SunTrust Banks, Inc., Atlanta (B) 837.1

48 47 Travelers Group, Inc., New York (D) 818.3

49 45 J.C. Penney & Co., New York (D) 800.6

50 50 Central Fidelity Banks, Inc., Richmond (B) 770.1

Totals for the pro forma top 50 $353.0 bil.

part 2 of 2

Rank Rank Percent

Mar-96 Mar-95 3/31/95 % Chg. Chg.off

1 1 Citicorp, New York (B) 44,882.00 12.8 4.23

2 2 Dean Witter, Discover & 24,620.80 21 4.44

3 4 MBNA Corp., Wilmington, 20,098.60 36.8 2.55

4 3 Chase Manhattan Corp., 22,123.00 16 6.29

5 6 First USA Inc., Dallas 11,962.10 53.3 2.02

6 5 First Chicago NBD Corp. 13,286.90 32.3 3.95

7 7 AT&T, New York (D) 11,800.00 14.4 5.67

8 8 Household International 10,826.70 18.2 4.47

9 10 Banc One Corp., Columbu 8,718.70 40.6 4.93

10 15 Advanta Corp., Horsham, 6,905.40 69 1.93

11 11 NationsBank Corp./Boatm 8,156.10 27.3 3.72

12 12 Capital One Financial C 7,942.20 27.4 3.24

13 9 BankAmerica Corp., San 8,900.00 13.4 4.08

14 13 Bank of New York Co., I 7,702.20 16.5 4.32

15 14 American Express Co., N 7,235.60 22.6 5.34

16 16 Wells Fargo & Co./First 6,221.00 13.1 6.72

17 17 General Electric Co.., 5,363.10 24 4.03

18 19 Providian Corp., Louisv 4,505.50 40.2 2.87

19 18 First Union Corp., Char 4,864.60 8.2 5.37

20 20 Wachovia Corp., Winston 4,291.80 14.4 2.66

21 21 Chevy Chase Bank, FSB, 3,720.10 26.2 1.9

22 24 USAA, San Antonio, Tex. 2,877.00 16.7 1.14

23 25 Norwest Corp., Minneapo 2,838.10 14.2 2.21

24 26 Mellon Bank Corp., Pitt 2,666.80 21.5 2.95

25 22 First Bank System, Inc. 2,985.00 7.8 3.33

26 28 Beneficial Corp., Wilmi 1,734.30 56.5 3.88

27 23 Fleet Financial Group, 2,882.30 -10.1 5.11

28 27 First National of Nebra 2,419.30 3.5 4.76

29 32 Peoples Mutual Holdings 1,647.20 24.4 2.22

30 35 Barnett Banks, Inc., Ja 1,568.30 22.4 5.88

31 29 HSBC Americas, Inc., Bu 1,714.70 11.2 4.26

32 33 KeyCorp, Cleveland (B) 1,596.10 18.3 3.22

33 30 National City Corp./Int 1,709.10 10 3.63

34 36 CoreStates Financial Co 1,499.90 10.9 4.54

35 34 Crestar Financial Corp. 1,570.90 3 4.53

36 31 U.S. Bancorp, Portland, 1,698.60 -9.2 3.35

37 39 Prudential Insurance Co 1,194.20 28.1 4.85

38 37 First of America Bank C 1,427.70 -0.9 4.33

39 38 Welsch, Carson, Anderso 1,224.80 2.3 6.19

40 43 Mercantile Bancorporati 881.3 41.3 6.34

41 42 PNC Bank Corp., Pittsbu 938.5 20.4 4.25

42 41 Dillard Department Stor 1,049.60 2.5 5.69

43 49 Bank of Boston/BayBanks 644.2 60.8 2.36

44 44 Harris Bank, Chicago (B 865.3 13.2 2.78

45 40 Comerica, Inc., Detroit 1,152.50 -19.3 5.08

46 48 First Maryland Bancorp, 703.3 23.8 5.78

47 46 SunTrust Banks, Inc., A 752.5 11.2 3.68

48 47 Travelers Group, Inc., 706 15.9 2.44

49 45 J.C. Penney & Co., New 785.2 2 8.96

50 50 Central Fidelity Banks, 640.8 20.2 3.48

Totals for the pro form$288.5 bil. 22.4 4.12 ===

Data sources: American Banker survey. All data and ranks for both years have been restated for mergers completed or announced sinch March 31, 1995. Type of company: (B)- A commercial banking co. ; (T)- A thrift, i.e. a savings institution or a credit union; (D)- A nonbank diversified financial services co. Managed card loans are loans on the books plus securitized card loans outstanding. Percent chg.off is net chargeoffs for the first quarter on an annualized basis as a percentage of card loans on the books on March 31. (a)- NationsBank announced plans to acquire Boatmen's on Aug. 30. (b)- Acquired First Interstate Bancorp on April 1. (c)- Acquired National Westminster Bancorp on May 1. (d)- Acquired Integra Financial Corp. on May 3. (e)- Acquired Meridian Bancorp, Inc. on April 11. (f)- Crestar announced plans to acquire Citizens Bancorp, Laurel, Md. on Sept. 16. (m)- Chargeoff ratio is for the managed card portfolio. (r)- The 1995 data are rtestated for mergers completed prior to March 31, 1996. Compiled by American Banker, 1996.

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