+++ Data based on December 31, 1997 (dollar amounts in thousands)

part 1 of 2

1997 96-97

AssetChg. in

rank rank

1 - General Electric Capital Services, Stamford

2 - Ford Motor Credit Company, Dearborn, Mich.

3 - General Motors Acceptance Corp., Detroit, Mich.

4 - Associates First Capital Corp., Irving, Tex. (1)

5 - Household International Inc., Prospect Heights, IL (2)

6 1 CIT Group Holdings Inc. New York

7 -1 Toyota Motor Credit Corp., Torrance, Calif. (s, F)

8 - Chrysler Financial Corp., Southfield, Mich. (3)

9 - Beneficial Corp., Wilmington, Del. (2)

10 3 Sears Roebuck Acceptance Corp., Wilmington, Del.

11 - IBM Credit Corp., Stamford, Conn.

12 -2 International Lease Finance Co., Los Angeles

13 3 Commercial Credit Company, Baltimore

14 - Heller Financial, Inc. Chicago (4, f, F)

15 - American General Finance Corp., Evansville, Ind.

16 1 Avco Financial Services, Inc., Irvine, Calif. (2)

17 1 AT&T Capital Corp., Morristown, N.J. (5)

18 1 FINOVA Group, Inc., Phoenix, Az.

19 -7 Transamerica Finance Group Inc., San Francisco

20 - Caterpiller Financial Services Corp., Nashville, Tenn.

21 3 ADVANTA Corp., Spring House, Penn. (6)

22 -1 John Deere Capital Corp., Reno, Nev.

23 - Comdisco Inc., Rosemont, Ill

24 -2 Ryder Systems Inc., Miami, Fla.

25 - Pitney Bowes Credit Corp., Norwalk, Conn.

Total for the Top 25 Finance Companies

part 2 of 2

1997 96-97 Total Total 96-97

AssetChg. in assets assets Percent

rank rank 1997 1996 change

1 - Genera$255,408,000 $227,519,000 12.3

2 - Ford M 121,973,000 121,696,400 0.2

3 - Genera 109,319,300 98,578,000 10.9

4 - Associ 57,232,700 48,268,400 18.6

5 - Househ 30,302,600 29,594,500 2.4

6 1 CIT Gr 20,464,100 18,932,500 8.1

7 -1 Toyota 19,830,000 19,309,000 2.7

8 - Chrysl 19,321,000 17,533,000 10.2

9 - Benefi 17,645,100 16,931,200 4.2

10 3 Sears 16,716,000 12,004,000 39.3

11 - IBM Cr 16,572,116 12,946,139 28

12 -2 Intern 14,551,954 13,725,596 6

13 3 Commer 13,058,700 9,359,600 39.5

14 - Heller 12,861,000 9,926,000 29.6

15 - Americ 9,240,605 9,502,589 -2.8

16 1 Avco F 8,809,894 8,195,059 7.5

17 1 AT&T C 8,775,895 8,092,512 8.4

18 1 FINOVA 8,757,923 7,551,926 16

19 -7 Transa 8,725,526 12,719,586 -31.4

20 - Caterp 7,426,800 6,364,200 16.7

21 3 ADVANT 6,686,132 5,583,959 19.7

22 -1 John D 6,659,100 5,971,105 11.5

23 - Comdis 6,350,000 5,591,000 13.6

24 -2 Ryder 5,509,060 5,645,389 -2.4

25 - Pitney 5,328,340 5,347,002 -0.4

Total $807,524,845 $736,887,662 -9.60% Source: American Banker survey and Annual Reports. Total Capital funds are stockholders equity plus subordinated debt with a remaining maturity of one year or more. Minority interest is excluded. Equity capital is stockholders' equity portion of the total capital funds. Net Income is income after taxes but before extraordinary items. Government Sponsored Enterprises, Credit Card Companies and Bank Finance Companies are not included. (1) Announced plans to acquirer Avco Financial on August 11. (2) Household International completed the acquisition of Beneficial Finance on June 30. (3) Spun off from Fuji May 1, but Fuji still holds 100% of Class B shares. (4) National Australia completed the acquisition of Home Side International Inc. on February 11. (5) Conseco Inc. completed the acquisition June 30. (b) Subsidiary of a Bank. (h) Credit Card company. (f) February fiscal year end. (s) September fiscal year end. * A more extensive Finance Ranking will be in the 1998 Ranking The Bank book due out in early 1999. ===

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