The United States has the largest economy in the world. We have more than 10 times as many commercial banks as any other nation. But they cannot compete effectively and efficiently at home.

Internationally, the United States is second to Japan in assets held by commercial banks. During the past decade, the U.S. share of international banking assets fell to 14% from 27%. It is little wonder, then, that the biggest U.S. commercial bank is in 21st place in world ranking.

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