Top 50 Companies in Managed Credit Card Loans: 1993 to 1996

All data are as of March 31 and end of the first quarter (dollar amounts in billions) +++

part 1 of 3

Top 50 Managed Total

in Managed Bank Cards of Credit

Bank Credit Percent Banks & Percent Card Percent

Thrifts

Date Cards Change in Top 50 Change Market Change

1996 $350,090 23.30%$220,501 19.90%$425,823 20.90%

1995 283,921 27.90% 183,895 18.90% 352,273 19.00%

1994 222,040 16.70% 154,717 12.60% 296,023 15.50%

1993 190,202 13.50% 137,451 8.10% 256,233 5.80%

part 2 of 3

Top 50's Bks & Thrfs Div. Fin. Top 50's All Banks'

Share of the in Top 50 in Top 50 Noncur. Noncur. Top 50's

Total Credit Share of Share of as % of as % of Percent

Date Card Market Card Market Card Marke Total Total Chgedoff

1996 82.20% 51.80% 30.40% 1.64% 1.70% 4.40%

1995 80.60% 52.20% 28.40% 1.43% 1.35% 3.39%

1994 75.00% 52.30% 22.70% 1.56% 1.37% 3.30%

1993 74.20% 53.60% 20.60% 1.73% 1.73% 4.21%

part 3 of 3

Total

All Banks'Securitized Industry

Percent Loans Securit-

Date Chgedoff at Top 50 izations

1996 4.30% $130,799 $157,690

1995 2.91% 95,052 99,851

1994 3.29% 71,663 79,768

1993 4.11% 62,112 70,890 ===

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.