The lending industry is comprised of a wide variety of sectors, such as banking, credit cards, mortgages, leasing and consumer finance. Many of these sectors have interconnections and synergies. In addition, a large number of related services and technologies have a major influence on the lending and credit business. Meanwhile, international acquisitions are shaping up the globalized banking industry of the future. This carefully researched book is a banking, credit and mortgages market research and business intelligence tool--everything you need to know about the business of banking, credit cards, mortgages and lending, including: money center banks; regional banks; savings associations; brokerage; home equity loans; credit cards; globalization of the banking and lending industries; and other services provided by non-bank enterprises. Analysis includes significant trends in banking and lending technologies, risk analysis, payment processing, call centers and other support services, online banking trends, ATMs and software. This book includes our profiles of 500 of the world's leading firms in the banking, mortgages and credit industry. You'll find a complete overview, industry analysis and market research report in one superb, value-priced package.
Introduction 1
How to Use This Book 3
Chapter 1: Trends Affecting the Banking, Mortgages & Credit Industry 7
1) Major Trends Affecting the Banking, Mortgages & Credit Industry 8
2) Introduction to the Banking, Mortgages & Credit Industry 9
3) Aging Populations, Baby Boomers Create Opportunities/U.S. Pension Accounts Top $40.0 Trillion 10
4) Basel III, Dodd-Frank Act and Volcker Act Increase Regulation/European Solvency II and MiFID 2 Take Effect 11
5) Investment Firms and Banks Compete for Clients in High-Net-Worth Households 12
6) Banks and Apps Vie for Previously Underserved Markets, Including Hispanics 13
7) Walmart Offers Financial Services in the U.S./Banco de Walmart in Mexico 13
8) China Sees Growth in Online Payments, Banking and Lending/Alipay Soars 14
9) Credit Default Swaps (CDS) and Derivatives Reach into the Trillions of Dollars 15
10) Non-Banking Alternatives Grow in Lending and Crowdfunding 16
11) Smartphones and Neobanks Replace Branches and Tellers 17
12) Visa and MasterCard Enjoy Global Growth/Apple Card Use Soars 17
13) Smartphones and Financial Technology (FinTech) Enable New Mobile Payment Methods 18
14) Peer-to-Peer (P2P) Payment Systems, such as Zelle and Venmo, Soar in Popularity 19
15) In Emerging Nations, mChek and M-PESA Enable Remote Banking via Smartphone 20
16) High Interest Rates Hinder Mortgage Originations, Slow Home Sales & Create Challenges for Commercial Real Estate 20
17) Online Competition Changes the Mortgage Industry 21
18) Hedge Funds and Private Equity Play a Major Role in Financial Products Including Derivatives, Lending and Insurance (Shadow Banking) 22
19) Financial Technology (FinTech) Enables Online Payments, Lending, Insurance and Robo Advisors 22
20) Cryptocurrencies and Blockchain Explained 24
21) Open Banking Revolutionizes the World of Banking and Finance 25
22) The Future of Banking, Credit Cards, Mobile Payments and Mortgages 26
Chapter 2: Banking, Mortgages & Credit Industry Statistics 29
U.S. Banking, Mortgages & Credit Industry Statistics and Market Size Overview 30
Global Credit Card Industry Statistics and Market Size Overview 31
Top 50 U.S. Bank Holding Companies: June 30, 2024 32
FDIC Insured Institution Statistics: Second Quarter 2024 33
Prime Interest Rate, U.S.: 1955-October 2024 34
Bond Yields & Interest Rates, U.S.: Selected Years, 1950-2023 35
Homeownership Rates by Region, U.S.: Selected Years, 1965-2023 36
New Privately-Owned Housing Units Started, U.S.: 1985-2024 37
Mortgage Loans Outstanding, U.S.: 1985 - Q2 2024 38
Consumer Credit Outstanding, U.S.: 1972-August 2024 39
Terms of Credit at Commercial Banks, U.S.: 2019-2nd Quarter 2024 40
Employment in the Banking Industry, U.S.: 2018-2024 41
Chapter 3: Important Banking, Mortgages & Credit Industry Contacts 43
(Addresses, Phone Numbers and Internet Sites)
Chapter 4: THE BANKING & LENDING 500:
Who They Are and How They Were Chosen 69
Index of Companies Within Industry Groups 70
Alphabetical Index 81
Index of U.S. Headquarters Location by State 85
Index of Non-U.S. Headquarters Location by Country 88
Individual Data Profiles on Each of THE BANKING & LENDING 500 93
Additional Indexes
Index of Hot Spots for Advancement for Women/Minorities 578
Index by Subsidiaries, Brand Names and Selected Affiliations 580
A Short Banking Industry Glossary 601
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