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

part 1 of 2

199796-97

Net InChg. in

rank rank

1- General Electric Capital Services, Stamford, Conn.

2 1 General Motors Acceptance Corp., Detroit, Mich.

3 1 Associates First Capital Corp., Irving, Tex. (1)

4 -2 Ford Motor Credit Company, Dearborn, Mich.

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

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

7 16 Transamerica Finance Group Inc., San Francisco

8 2 International Lease Finance Co., Los Angeles

9- CIT Group Holdings Inc. New York

10 1 Green Tree Financial Corp., St. Paul, Minn (3)

11 -3 IBM Credit Corp., Stamford, Conn.

12 -5 Beneficial Corp., Wilmington, Del. (2)

13 -1 Commercial Credit Company, Baltimore

14 -1 Avco Financial Services, Inc., Irvine, Calif. (1)

15 -1 Pitney Bowes Credit Corp., Norwalk, Conn.

16 2 Toyota Motor Credit Corp., Torrance, Calif. (s, F)

17 3 Heller Financial, Inc. Chicago (4, f, F)

18 3 FINOVA Group, Inc., Phoenix, Az.

19 18 FIRSTPLUS Financial Group, Dallas, Tex. (s)

20 11 American General Finance Corp., Evensville, Ind.

21 -2 John Deere Capital Corp., Reno, Nev.

22- Comdisco Inc., Rosemont, Ill.

23 1 Sears Roebuck Acceptance Corp., Wilmington, Del.

24 3 Caterpillar Financial Services Corp., Nashville, Tenn.

25- Money Store Inc., Union, N.J. (9)

Total for the Top 25 Finance Companies

part 2 of 2

199796-97 Net Net 96-97

Net InChg. in income income Percent

rank rank 1997 1996 change

1- Gen$3,256,000 $2,817,000 15.6

2 1 Gen 1,301,100 1,240,500 4.9

3 1 Ass 1,031,700 857,000 20.4

4 -2 For 1,030,800 1,440,600 -28.5

5- Hou 685,600 538,600 27.3

6- Chr 419,000 376,000 11.4

7 16 Tra 380,005 94,173 303.5

8 2 Int 338,685 251,774 34.5

9- CIT 310,100 260,100 19.2

10 1 Gre 301,396 200,774 50.1

11 -3 IBM 283,893 271,082 4.7

12 -5 Ben 253,700 281,000 -9.7

13 -1 Com 240,100 195,800 22.6

14 -1 Avc 196,116 187,007 4.9

15 -1 Pit 194,833 179,234 8.7

16 2 Toy 162,000 152,000 6.6

17 3 Hel 158,000 133,000 18.8

18 3 FIN 143,090 117,000 22.3

19 18 FIR 139,169 34,210 306.8

20 11 Ame 137,071 50,959 169

21 -2 Joh 135,800 134,100 1.3

22- Com 131,000 114,000 14.9

23 1 Sea 125,000 92,000 35.9

24 3 Cat 94,200 75,600 24.6

25- Mon 92,088 85,655 7.5

Tot$11,540,446$10,179,168 13.40%

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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