Institution Name City State Class Total Assets
($000)
NationsBank Charlotte NC N 317,127,010
Citibank New York City NY N 300,895,010
The Chase Manhattan Bank New York City NY SM 296,716,990
Bank of America San Francisco CA N 257,479,010
First Union National Bank Charlotte NC N 222,483,330
Morgan Guaranty Trust Company of New York New York City NY SM 175,827,040
Washington Mutual Bank Stockton CA SA 129,628,900
Bankers Trust Company New York City NY SM 104,558,000
Wells Fargo Bank San Francisco CA N 87,262,000
Fleet National Bank Providence RI N 75,601,000
The First National Bank of Chicago Chicago IL N 74,200,904
Keybank Cleveland OH N 73,861,936
PNC Bank Pittsburgh PA N 71,230,424
U.S. Bank Minneapolis MN N 69,713,104
BankBoston Boston MA N 69,547,464
Wachovia Bank Winston-Salem NC N 62,005,844
The Bank of New York New York City NY SM 60,077,664
California Federal Bank San Francisco CA SA 54,580,196
Republic National Bank New York City NY N 46,460,476
State Street Bank and Trust Company Boston MA SM 43,184,640
Mellon Bank Pittsburgh PA N 42,235,016
SouthTrust Bank Birmingham AL N 38,053,608
Regions Bank Birmingham AL NM 37,128,224
HSBC Bank USA Buffalo NY SM 33,775,944
Chase Manhattan Bank USA Wilmington DE N 32,987,896
Washington Mutual Bank Seattle WA SB 32,466,192
Union Bank of California San Francisco CA N 32,052,676
World Savings Bank Oakland CA SA 31,958,984
Norwest Bank Minnesota Minneapolis MN N 31,293,664
National City Bank Cleveland OH N 31,049,288
Bank One Columbus OH N 30,412,754
Summit Bank Hackensack NJ SM 29,504,016
Comerica Bank Detroit MI SM 29,375,424
The Huntington National Bank Columbus OH N 28,108,380
Fleet Bank Jersey City NJ N 27,978,000
Crestar Bank Richmond VA SM 27,619,700
Union Planters Bank Memphis TN N 27,406,926
Branch Banking and Trust Company Winston-Salem NC NM 25,985,004
Bank One, Texas Dallas TX N 25,543,468
Bank of America Portland OR SA 25,526,618
Chase Bank of Texas Houston TX N 24,487,900
Charter One Bank Cleveland OH SA 24,167,048
MBNA America Bank Wilmington DE N 23,602,348
The Northern Trust Company Chicago IL SM 23,304,248
NBD Bank Detroit MI SM 22,954,782
Mercantile Bank of St. Louis St. Louis MO N 22,790,986
LaSalle National Bank Chicago IL N 22,445,396
The Dime Savings Bank New York City NY SA 22,294,732
Sovereign Bank Wyomissing PA SA 22,136,920
Phoenix AZ N 20,983,136
Citibank San Francisco CA SA 20,797,512
Astoria Federal Savings and Loan Association New York City NY SA 20,474,088
First American National Bank Nashville TN N 20,359,042
Manufacturers and Traders Trust Company Buffalo NY SM 20,073,708
AmSouth Bank Birmingham AL SM 19,833,148
National City Bank of Michigan/Illinois Bannockburn IL N 19,827,036
SunTrust Bank, Atlanta Atlanta GA SM 19,635,324
Standard Federal Bank Troy MI SA 19,331,824
Harris Trust and Savings Bank Chicago IL SM 18,100,792
First Tennessee Bank Memphis TN N 17,786,232
Star Bank Cincinnati OH N 17,330,738
First Security Bank Ogden UT N 17,238,560
FMB Bank Baltimore MD SM 17,114,704
Compass Bank Birmingham AL SM 16,485,159
Old Kent Bank Grand Rapids MI SM 16,382,432
Greenwood Trust Company Greenwood DE NM 16,119,518
National City Bank of Indiana Indianapolis IN N 14,973,764
Bank United Houston TX SA 14,791,526
Bank One, Louisiana Baton Rouge LA N 14,292,867
Citibank (South Dakota) Sioux Falls SD N 14,196,820
European American Bank New York City NY SM 14,150,608
GreenPoint New York City NY SB 13,885,686
Bank of Hawaii Honolulu HI NM 13,589,292
Hibernia National Bank New Orleans LA N 13,352,531
National City Bank Pittsburgh PA N 13,308,989
American Express Centurion Bank Midvale UT NM 12,789,098
LaSalle Bank Chicago IL SA 12,732,582
Commercial Federal Bank Omaha NE SA 12,178,339
Guaranty Federal Bank Dallas TX SA 12,058,326
The Fifth Third Bank Cincinnati OH SM 11,727,877
National City Bank of Kentucky Louisville KY N 10,906,365
FCC National Bank Wilmington DE N 10,847,599
Michigan National Bank Farmington Hills MI N 10,690,861
North Fork Bank Mattituck NY NM 10,562,432
Colonial Bank Montgomery AL SM 10,456,040
American National Bank and Trust Company of Chicago Chicago IL N 10,304,786
People's Bank Bridgeport CT SB 9,933,123
Norwest Bank Colorado Denver CO N 9,906,710
Citibank (New York State) Pittsford NY NM 9,886,058
NBD Bank Indianapolis IN N 9,832,686
First USA Bank Wilmington DE N 9,699,069
Norwest Bank Texas San Antonio TX N 9,550,917
M&I Marshall and Ilsley Bank Milwaukee WI SM 9,414,827
Commerce Bank Kansas City MO N 9,196,823
First-Citizens Bank & Trust Company Raleigh NC NM 9,037,112
Citibank (Nevada) Las Vegas NV N 9,027,276
Firstar Bank Milwaukee Milwaukee WI N 8,969,377
Webster Bank Waterbury CT SA 8,866,355
Bank One Milwaukee WI NM 8,743,509
SunTrust Bank, Central Florida Orlando FL N 8,719,853
Top 100 FDIC Banks
Click Here for High-Interest Savings Accounts
Company Name Website More Info
American Express Bank, FSB. http://www.americanexpress.com:80/ Details >
American Express Centurion Bank http://www.americanexpress.com:80/ Details >
Associated Bank, National Association http://www.associatedbank.com:80/ Details >
Astoria Federal Savings and Loan Association http://www.astoriafederal.com:80/ Details >
Banco Popular de Puerto Rico http://www.bancopopular.com:80/ Details >
Banco Popular North America http://www.bancopopular.com:80/ Details >
BancorpSouth Bank http://www.bancorpsouth.com:80/ Details >
Bank of America Oregon, National Association http://www.bankofamerica.com:80/ Details >
Bank of America, National Association http://www.bankofamerica.com:80/ Details >
Bank of Oklahoma, National Association http://www.bankofoklahoma.com:80/ Details >
Bank of the West http://www.bankofthewest.com:80/ Details >
BankUnited, FSB http://www.bankunited.com:80/ Details >
Branch Banking and Trust Company http://www.bbandt.com:80/ Details >
Capital One Bank http://www.capitalone.com:80/ Details >
Capital One, F.S.B. http://www.capitalone.com:80/ Details >
Capital One, National Association http://www.capitalone.com:80/ Details >
Charter One Bank, National Association http://www.citizensbank.com:80/ Details >
Chase Bank USA, National Association http://www.chase.com:80/ Details >
Chevy Chase Bank, F.S.B. http://www.chevychasebank.com:80/ Details >
Citibank (South Dakota), N.A.
Details >
Citibank, National Association http://www.citibank.com:80/ Details >
Citicorp Trust Bank, fsb http://www.citicorptrustbank.com:80/ Details >
Citizens Bank of Massachusetts http://www.citizensbank.com:80/ Details >
Citizens Bank of Pennsylvania http://www.citizensbank.com:80/ Details >
Citizens Bank of Rhode Island http://www.citizensbank.com:80/ Details >
Citizens Bank, N.A. http://www.citizensbank.com:80/ Details >
City National Bank http://www.cnb.com:80/ Details >
Colonial Bank, National Association http://www.colonialbank.com:80/ Details >
Comerica Bank http://www.comerica.com:80/ Details >
Commerce Bank, National Association http://www.commerceonline.com:80/ Details >
Commerce Bank, National Association http://www.commercebank.com:80/ Details >
Compass Bank http://www.compassbank.com:80/ Details >
Countrywide Bank, National Association http://www.countrywidebank.com:80/ Details >
Deutsche Bank Trust Company Americas http://www.db.com:80/ Details >
Discover Bank http://www.discovercard.com:80/ Details >
Downey Savings and Loan Association, F.A. http://www.downeysavings.com:80/ Details >
E*TRADE Bank http://www.etrade.com:80/ Details >
FIA Card Services, National Association http://www.mbna.com:80/ Details >
Fifth Third Bank http://www.53.com:80/ Details >
Fifth Third Bank http://www.53.com:80/ Details >
First Hawaiian Bank http://www.fhb.com:80/ Details >
First Tennessee Bank, National Association http://www.firsttennessee.com:80/ Details >
First-Citizens Bank & Trust Company http://www.firstcitizens.com:80/ Details >
Firstbank of Puerto Rico http://www.firstbankpr.com/ Details >
Flagstar Bank, FSB http://www.flagstar.com:80/ Details >
Fremont Investment & Loan http://www.1800fremont.com:80/ Details >
GE Money Bank http://www.gemoney.com:80/ Details >
Guaranty Bank http://www.guarantygroup.com:80/ Details >
Harris National Association http://www.harrisbank.com:80/ Details >
HSBC Bank USA, National Association http://www.banking.us.hsbc.com:80/ Details >
Hudson City Savings Bank http://www.hudsoncitysavingsbank.com:80/ Details >
IndyMac Bank, F.S.B. http://www.indymacbank.com:80/ Details >
ING Bank, fsb http://www.ingdirect.com:80/ Details >
Investors Bank & Trust Company http://www.ibtco.com:80/ Details >
JPMorgan Chase Bank, National Association http://www.jpmorganchase.com:80/ Details >
Keybank National Association http://www.key.com:80/ Details >
LaSalle Bank Midwest National Association http://www.lasallebankmidwest.com:80/ Details >
LaSalle Bank National Association http://www.lasallebanks.com:80/ Details >
Lehman Brothers Bank, FSB http://www.lehmanbrothersbank.com:80/ Details >
M&I Marshall and Ilsley Bank http://www.mibank.com:80/ Details >
Manufacturers and Traders Trust Company http://www.mandtbank.com:80/ Details >
Mellon Bank, National Association http://www.mellon.com:80/ Details >
Merrill Lynch Bank USA http://www.ml.com:80/ Details >
Mid America Bank, FSB http://www.midamericabank.com:80/ Details >
Morgan Stanley Bank
Details >
National City Bank http://www.nationalcity.com:80/ Details >
National Motors Bank FSB http://www.gmacbank.com:80/ Details >
New York Community Bank http://www.mynycb.com:80/ Details >
North Fork Bank http://www.northforkbank.com:80/ Details >
Ohio Savings Bank, F.S.B. http://www.ohiosavings.com:80/ Details >
PNC Bank, National Association http://www.pnc.com:80/ Details >
RBC Centura Bank http://www.rbccentura.com:80/ Details >
Regions Bank http://www.regions.com:80/ Details >
Sky Bank http://www.sky-bank.com:80/ Details >
Sovereign Bank http://www.sovereignbank.com:80/ Details >
State Farm Bank, F.S.B. http://www.statefarm.com:80/ Details >
State Street Bank and Trust Company http://www.statestreet.com:80/ Details >
SunTrust Bank http://www.suntrust.com:80/ Details >
TCF National Bank http://www.tcfexpress.com:80/ Details >
TD Bank USA, National Association http://www.tdbankusa.com:80/ Details >
TD BankNorth, National Association http://www.tdbanknorth.com:80/ Details >
The Bank of New York http://www.bankofny.com:80/ Details >
The Frost National Bank http://www.frostbank.com:80/ Details >
The Huntington National Bank http://www.huntington.com:80/ Details >
The Northern Trust Company http://www.northerntrust.com:80/ Details >
U.S. Bank National Association http://www.usbank.com:80/ Details >
UBS Bank USA http://www.ubs.com:80/bankusa/ Details >
Union Bank of California, National Association http://www.unionbank.com:80/ Details >
USAA Federal Savings Bank http://www.usaa.com:80/ Details >
Valley National Bank http://www.valleynationalbank.com:80/ Details >
Wachovia Bank, National Association http://www.wachovia.com:80/ Details >
Washington Mutual Bank http://www.wamu.com:80/ Details >
Washington Mutual Bank FSB http://www.wamu.com:80/ Details >
Webster Bank, National Association http://www.websteronline.com:80/ Details >
Wells Fargo Bank Northwest, National Association http://www.wellsfargo.com:80/ Details >
Wells Fargo Bank, National Association http://www.wellsfargo.com:80/ Details >
Westernbank Puerto Rico http://www.wbpr.com:80/ Details >
World Savings Bank, FSB http://www.worldsavings.com:80/ Details >
World Savings Bank, FSB (Texas) http://www.worldsavings.com:80/ Details >
Zions First National Bank http://www.zionsbank.com:80/ Details >
Online Banking: Top 100 Banks
in order of Total Assets ($bill): [1,000 - 50] | [50 - 25] | [25-15] | [15-11] | [11-8]
Total Assets over $1 Trillion - $50 Billion
Total Assets Rank
Bank
Stock
Symbol
Assets 2006
($billions)*
Revenue 2005**
($millions)
Market Cap. 2006***
($millions)
Web**** influence (Pagerank)
2006
1999
1
5
Bank of America
BAC
1,105.0
56,923
215,900
8
2
4
JP Morgan
JPM
1,093.4
54,533
143,190
8
3
2
Citibank
C
749.3
83,642
240,460
8
4
18
Wachovia
WB
496.6
23,689
85,390
7
5
10
Wells Fargo
WFC
415.8
32,949
111,960
8
6
11
Washington Mutual
WM
347.4
15,588
42,960
7
7
16
US Bancorp
USB
208.9
13,133
55,550
7
8
20
SunTrust Bank
STI
178.3
7,731
27,850
7
9
32
N/A
N/A
N/A
N/A
N/A
N/A
10
28
World Savings
GDW
127.0
6,200
22,410
5
11
29
State Street Bank and Trust
STT
91.93
5,473
19,370
7
12
15
Key Bank
KEY
88.88
4,868
14,200
7
13
19
Bank of New York
BK
87.75
6,865
24,470
7
14
14
PNC Bank
PNC
84.41
3,734
20,300
6
15
47
MBNA
BAC
81.25
N/A
N/A
7
16
38
Branch Banking and Trust Company
BBT
81.17
5,506
22,440
5
17
43
Regions Financial
RF
80.36
4,310
15,290
6
18
N/A
CountryWide Financial
CFC
79.88
10,017
22.54
6
19
N/A
La Salle Bank
N/A
75.19
N/A
N/A
7
20
22
National City Bank
NCC
72.95
8,031
21,850
6
21
1
Chase Bank
JPM
69.75
N/A
N/A
7
22
61
Sovereign Bank
SOV
65.05
2,919
7,770
7
23
N/A
Merrill Lynch Bank
MER
62.04
26,009
62,470
6
24
N/A
ING Direct
ING
59.41
57,230
83,919
7
25
46
Fifth Third Bank
FITB
57.68
4,995
20,540
6
26
98
North Fork Bank
NFB
57.21
2,778
13,990
6
27
30
Comerica
CMA
57.07
3,596
8,630
7
28
N/A
Bank of the West
N/A
54.76
2,052
N/A
7
29
62
M&T Bank
MTB
54.68
2,789
12,870
6
30
53
AmSouth Bancorp
ASO
52.82
2,481
9,220
6
Total Assets ($bill): [1,000 - 50] | [50 - 25] | [25-15] | [15-11] | [11-8]
* Asset figures are derived from Industry Analysis at FDIC website: http://www.fdic.gov/index.html.
** Revenue figure for each company is taken from annual 2005 report per each respective bank's website.
*** Market Cap as of June 21, 2006. Derived from Yahoo! Finance website.
++ Annual Report for 2005 not available.
Total Assets Rank
Bank
Stock
Symbol
Assets 2006
($billions)*
Revenue 2005**
($millions)
Market Cap. 2006***
($millions)
Web**** influence (Pagerank)
2006
1999
31
35
Union Bank
UB
48.06
1,839
9,650
7
32
49
Charter One Bank
N/A
44.00
6,612
N/A
6
33
41
Northern Trust
NTRS
41.83
2,623
11,860
6
34
N/A
TD BankNorth
TD
40.78
998
36,310
5
35
51
M&I Marshall and Ilsley Bank
MI
40.06
2,214
11,400
6
36
60
First Tennessee
FHN
37.00
1,369
4,830
6
37
73
Commerce Bank
CBSH
36.96
502
3,380
6
38
45
Harris Bank
N/A
36.52
N/A
N/A
6
39
N/A
Deutsche Bank
DB
36.03
52,228
54,310
8
40
40
Huntington Bancshares
HBAN
35.24
1,092
5,770
6
41
80
Citizens Bank of Pennsylvania
N/A
35.08
N/A
N/A
7
42
N/A
E-Trade Financial
ET
33.73
1,704
9,390
7
43
64
Compass Bank
CBSS
32.84
1,628
7,180
6
44
N/A
Capital One
COF
30.30
5,727
25,800
7
45
86
Hudson City Savings Bank
HCBK
29.68
562
7,720
4
46
N/A
New York Community Bancorp
NYB
26.48
1,156
4,800
5
47
N/A
Banco Popular North America
BPOP
26.12
2,667
5,310
7
Online Banking 1998/1999: Top 100 Banks in order of assets:
Alphabetical List or List in order of Web Influence
Company
Stock Symbol
Rank
Assets
in billions of $ Sales
in millions of $ Market Capitalization
in millions of $ Internet Valley Benchmark
I V B *
Assets
*Web
influence
Chase Manhattan
CMB
1 7
365.5
32,379 62,641 3.46
Citicorp
C
2 8
310.9
37,609 117,858 3.12
Nation's Bank
N/A
3 6
264.6
N/A N/A 3.92
JP Morgan
JPM
4 3
262.1
17,701 18,946 6.29
Bank of America
BAC
5 1
260.1
50,777 108, 815 10.35
First Union
FTU
6 5
157.3
21,543 50,281 4.24
Bankers Trust
BT
7 13
140.1
12,048 8,196 1.66
Bank One
ONE
8 16
116.2
25,595 57,689 1.33
First Chicago
N/A
9 17
114.1
N/A N/A 1.05
Wells Fargo
WFC
10 2
97.5
20,482 55,185 7.69
Washington Mutual
WM
11 86
94.4
12,746 24,064 0.05
Norwest Bank
N/A
12 10
88.5
N/A N/A 2.56
Fleet Financial Group
FLT
13 9
85.7
8,095 22,769 3.07
PNC Bank
PNC
14 18
75.1
7,936 14,706 1.04
Key Corp
KEY
15 4
73.6
6,568 13,883 4.52
US Bancorp
USB
16 14
71.3
7,664 22,769 1.56
Bank Boston
BKB
17 11
69.3
7,609 10,698 1.78
Wachovia
WB
18 26
65.4
5,914 17,538 0.62
Bank of New York
BK
19 31
60.0
5,793 26,908 0.53
SunTrust Bank
STI
20 34
58.0
4,585 21,573 0.45
Republic New York
RNB
21 25
55.6
3,523 4,653 0.62
National City
NCC
22 38
54.7
8,071 23,414 0.41
ABN AMRO
AAN
23 27
52.8
27,818 29,083 0.61
Core States Financial
N/A
24 37
48.5
4,379 N/A 0.43
Barnett Bank
N/A
25 20
46.5
4,102 N/A 0.89
Assets Ranking: 1-25| 26-50| 51-75| 76-100
Assets Ranking: 26-50
Company
Stock Symbol
Rank
Assets
in billions of $ Sales
in millions of $ Market Capitalization
in millions of $ Internet Valley Benchmark
I V B *
Assets
*Web
influence
Home Savings
N/A
26 41
46.5
N/A N/A 0.37
Mellon Bank
MEL
27 19
44.9
5,813 17,447 1.04
World Savings and Loan
GDW
28 74
40.3
3,100 5,408 0.12
State Street Boston
STT
29 29
38.0
4,234 11,646 0.57
Comerica
CMA
30 24
36.5
2,986 9,429 0.67
Bankmont Financial
N/A
31 N/A
34.6
N/A N/A 0.00
HSBC Holdings
HSBDF
32 49
31.5
N/A N/A 0.26
California Federal Bank
CFP
33 53
31.3
N/A N/A 0.25
South Trust
SOTR
34 44
30.9
2,943 5,939 0.34
Union Bank
UNBC
35 22
30.6
2,497 6,406 0.77
Summit Bank
SUB
36 72
30.0
2,525 6,803 0.14
Mercantile Bank
MTL
37 66
30.0
2,257 6,983 0.16
BB&T Company
BBT
38 50
29.2
3,074 10,663 0.26
Providian Financial
PVN
39 71
28.9
2,109 14,240 0.14
Huntington Bancshares
HBAN
40 15
26.7
2,408 6,781 1.38
Northern Trust
NTRS
41 32
25.3
2,267 9,842 0.51
Crestar Financial
CF
42 12
24.9
1,997 8,117 1.75
Regions Financial
RGBK
43 62
23.3
1,912 8,224 0.16
Dime Savings Bank
DME
44 57
23.3
1,946 2,777 0.22
Harris Bank
N/A
45 69
22.2
N/A N/A 0.15
Fifth Third Bancorp
FITB
46 43
21.4
1,924 17,673 0.37
MBNA
KRB
47 28
21.3
4,524 18,748 0.60
First of America Bank
N/A
48 51
21.1
607 N/A 0.26
Charter One Bank
COFI
49 70
19.9
1,972 4,528 0.14
Firstar
FSR
50 23
19.8
3,347 19,924 0.76
Assets Ranking: 1-25| 26-50| 51-75| 76-100
Assets Ranking: 51-75
Company
Stock Symbol
Rank
Assets
in billions of $ Sales
in millions of $ Market Capitalization
in millions of $ Internet Valley Benchmark
I V B *
Assets
*Web
influence
Marshall and Ilsley
MRIS
51 68
19.5
1,743 6,056 0.16
BanPonce Corp
BPOP
52 59
19.3
1,739 4,493 0.19
AmSouth Bancorp
ASO
53 64
18.7
1,644 5,254 0.16
Union Planters
UPC
54 76
18.1
1,778 6,220 0.10
First Maryland Bancorp
FMB
55 90
17.8
N/A N/A 0.03
First Security
FSCO
56 84
17.3
1,895 3,597 0.06
Greenwood Trust
N/A
57 N/A
16.8
N/A N/A 0.00
Standard Federal Bank
N/A
58 N/A
16.1
N/A N/A 0.00
Glendale Federal Bank
N/A
59 47
16.0
N/A N/A 0.28
Pacific Century Financial
BOH
60 35
15.0
1,312 1,749 0.44
First Tennessee
N/A
61 48
14.4
N/A N/A 0.27
Sovereign Bank
SVRN
62 46
14.3
707 N/A 0.30
First Empire State
MTB
63 80
14.0
1,258 3,720 0.08
Old Kent Financial
OK
64 92
13.8
1,495 4,691 0.02
Compass Bank
CBSS
65 36
13.5
952 2,536 0.43
Greenpoint Bank
GPT
66 95
13.1
1,062 2,957 0.01
Bank United
BNKU
67 54
12.5
894 1,222 0.25
Hibernia Bank
HIB
68 39
11.0
895.5 2,570 0.38
Star Banc Corp
N/A
69 55
9.5
N/A N/A 0.25
First American
FAM
70 63
10.9
1,012 4,527 0.16
Associated Bancorp
ASBC
71 79
10.7
954 1,938 0.09
Guaranty Federal Bank
N/A
72 81
10.5
N/A N/A 0.07
Astoria Federal
ASFC
73 42
10.5
1,285 2,453 0.37
Commerce Bank
CBSH
74 61
10.4
863 2,476 0.17
TCF Financial
TCB
75 91
9.8
1,040 1,966 0.03
Assets Ranking: 1-25| 26-50| 51-75| 76-100
Assets Ranking: 76-100
Company
Stock Symbol
Rank
Assets
in billions of $ Sales
in millions of $ Market Capitalization
in millions of $ Internet Valley Benchmark
I V B *
Assets
*Web
influence
Michigan National
N/A
76 88
7.2
N/A N/A 0.05
Zions Bancorp
ZION
77 45
9.5
826 4,819 0.32
First Commerce
FCBI
78 93
9.5
N/A N/A 0.02
Synovus Financial Corp
SNV
79 75
9.3
1,331 6,482 0.11
First Virginia Banks
FVB
80 60
9.0
780 2,335 0.18
First Citizens Bancshares
FCNCA
81 52
9.0
688 830 0.26
Coast Federal Bank
N/A
82 89
8.8
N/A N/A 0.04
People's Bank
PBCT
83 30
8.2
775 1,720 0.57
First Hawaiian
N/A
84 33
8.1
N/A N/A 0.49
Sanwa Bank California
N/A
85 58
8.1
N/A N/A 0.20
First National Bank
of Omaha
N/A
86 82
7.3
51 N/A 0.07
Hudson City Savings Bank
N/A
87 96
7.3
N/A N/A 0.00
Commercial Federal
CFB
88 78
7.2
736 1,309 0.09
Mercantile Bankshares
MRBK
89 83
7.2
633 2,550 0.06
Provident Financial Group
PFGI
90 87
7.2
857 1,606 0.05
CCB Financial
CCB
91 85
7.1
644 2,126 0.06
Centura Banks
CBC
92 22
7.1
712 1,817 0.83
Magna Group
N/A
93 77
7.1
N/A N/A 0.09
UMB Financial Corp
UMBF
94 40
7.1
566 902.4 0.38
Deposit Guaranty Corp
N/A
95 56
7.0
N/A N/A 0.22
First Commercial Bancshares
FCBIA
96 N/A
6.9
204 350 N/A
Colonial Bancgroup
CNB
97 65
6.9
819 1,309 0.16
Webster Bank
WBST
98 73
6.9
697 1,121 0.13
North Fork Bancorporation
NFB
99 94
6.8
817 3,139 0.01
Keystone Financial
KSTN
100 67
6.8
601 1,871 0.16
Assets Ranking: 1-25| 26-50| 51-75| 76-100
Video Results
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Article Results (Showing 1 - 10 of 24) About
Top Retiree Issues: Health Care, Communications & Education
Health care, communications and education remain Army retirees' primary concerns, the Army Chief of Staff's (CSA) Retiree Council reported to the CSA after its annual meeting at the Pentagon April 18
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American Banker and Financial Insights Announce Fourth Annual FinTech 100 Program
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America's Top 2000 Brands
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Trump looks in mirror, finds perfect customer
Donald Trump is taking a little off the top, in a manner of speaking. He's reserving the top-floor penthouse in his new Chicago tower for himself. Trump has withheld from sale the full-floor
Chicago Sun-Times, 4/5/06 by David Roeder · More from publication · Save
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Up To 75% Off Summer Clearance Free Shipping On Orders Over $175
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FinanceConnect Singapore
One stop portal for finance careers information in Singapore
www.financeconnectsingapore.com
Company
Stock Symbol
Rank
Assets
in billions of $ Sales
in millions of $ Market Capitalization
in millions of $ Internet Valley Benchmark
I V B *
Assets
*Web
influence
Chase Manhattan
CMB
1 7
365.5
32,379 62,641 3.46
Citicorp
C
2 8
310.9
37,609 117,858 3.12
Nation's Bank
N/A
3 6
264.6
N/A N/A 3.92
JP Morgan
JPM
4 3
262.1
17,701 18,946 6.29
Bank of America
BAC
5 1
260.1
50,777 108, 815 10.35
First Union
FTU
6 5
157.3
21,543 50,281 4.24
Bankers Trust
BT
7 13
140.1
12,048 8,196 1.66
Bank One
ONE
8 16
116.2
25,595 57,689 1.33
First Chicago
N/A
9 17
114.1
N/A N/A 1.05
Wells Fargo
WFC
10 2
97.5
20,482 55,185 7.69
Washington Mutual
WM
11 86
94.4
12,746 24,064 0.05
Norwest Bank
N/A
12 10
88.5
N/A N/A 2.56
Fleet Financial Group
FLT
13 9
85.7
8,095 22,769 3.07
PNC Bank
PNC
14 18
75.1
7,936 14,706 1.04
Key Corp
KEY
15 4
73.6
6,568 13,883 4.52
US Bancorp
USB
16 14
71.3
7,664 22,769 1.56
Bank Boston
BKB
17 11
69.3
7,609 10,698 1.78
Wachovia
WB
18 26
65.4
5,914 17,538 0.62
Bank of New York
BK
19 31
60.0
5,793 26,908 0.53
SunTrust Bank
STI
20 34
58.0
4,585 21,573 0.45
Republic New York
RNB
21 25
55.6
3,523 4,653 0.62
National City
NCC
22 38
54.7
8,071 23,414 0.41
ABN AMRO
AAN
23 27
52.8
27,818 29,083 0.61
Core States Financial
N/A
24 37
48.5
4,379 N/A 0.43
Barnett Bank
N/A
25 20
46.5
4,102 N/A 0.89
Assets Ranking: 1-25| 26-50| 51-75| 76-100
Assets Ranking: 26-50
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Autoversicherungen fix vergleichen und bis zu 65% bares Geld sparen!
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Information und Vergleich zum Thema englische Versicherung
englische-lebensversicherung.biz
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Beratung zur Dokumentationspflicht sofort per Telefon & E-Mail; 8-24h
www.deutsche-anwaltshotline.de
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Absicherung im Ausland
Beratung vom Auslandsspezialisten Individuell statt von der Stange!
www.confideo.com
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financeThe Best European PerformersThere are no flavor-of-the-month outfits or dot-com hangers-on in the European BusinessWeek 50. Only companies whose managers know how to earn money in good times and bad make the grade.Name an economic malady and Europe has it in abundance right now: sluggish economic growth, lackluster consumer spending, currency swings that hurt exports, and depressed stock markets. For that reason, BusinessWeek could not have picked a better time to launch its first annual ranking of Europe's 50 best-performing companies. You won't find any frothy flavor-of-the-month outfits or dot-com hangers-on among these stalwarts. The BW Europe 50 is instead studded with companies whose managers know how to make money in good times and bad. What do corporations such as British bank HBOS (No. 1), Belgian utility Electrabel (No. 4), and Swedish apparel retailer H&M Hennes & Mauritz (No. 8) have in common? All have made singular progress in boosting sales, increasing profits, and delivering superior returns to investors in these worst of times for much of Europe. "Such top performers excel mainly because of good management that knows what to do in a difficult environment," says Robert Parkes, a European analyst at HSBC Bank in London. "They're doing well because they've kept in touch with what their customers and shareholders want."Most of the companies that powered to the top of this inaugural list are top-notch names with the size, stamina, and savvy needed to thrive in turbulent times. Energy companies like Total and financial-services companies such as Royal Bank of Scotland Group figure prominently. So do retail and consumer-staple giants such as France's Carrefour and Switzerland's Nestlé. Notable by their absence are Europe's big technology and telecom companies. Only three made it onto our top 50 list: France's Bouygues, Italy's Telecom Italia Mobile, and Finland's Nokia. Absent from the top 50 are powerhouses such as Germany's SAP, Geneva-based STMicroelectronics, and France's Alcatel. Blame the poor tech showing on three years of weak revenue growth, poor profitability, and, most of all, sagging stock market valuations.As investors know all too well, companies can manage impressive profits one year, only to disappoint the next. That's why the BW Europe 50 rewards those with staying power. To generate our ranking we used a series of criteria that judge the performance of the companies in the Standard & Poor's Europe 350 stock index over both one and three years.The turmoil in the markets over the past year means that today's darling can become tomorrow's dog almost overnight. That's why it's important not to see the BW Europe ranking as an all-knowing investment guide. Even stellar performers have their ups and downs from year to year. Take German pharmaceutical firm Altana and Spanish construction and engineering company Grupo Dragados. They beat all comers with total returns of 160.2% and 140.6%, respectively, between June 30, 2000, and June 30, 2003. However, both companies have delivered lower returns in recent months and neither Altana nor Grupo Dragados would appear in the top 50 if the ranking was based simply on the returns generated over the past 12 months.There's a definite British tilt in the European BW 50: British enterprises dominate, accounting for 17 of the 50 and 6 of the top 10. In part, that's because Britain has the most publicly traded companies of any European nation. That automatically increases the odds for British companies. Other elements are at work, though: The British economy has outperformed the 12-member euro zone in each of the past three years, and British companies have benefited from more buoyant domestic demand. France and Spain are also well represented. By contrast, although the German economy is the biggest in Europe by far, there isn't a single German company among the top 20. "Many German companies, such as car manufacturers, are well managed," says Paul Strebel, a professor at the IMD-International Institute for Management Development in Lausanne, Switzerland. "But the environment is more difficult there in terms of the macro background and structural rigidities."What's the secret of Anglo-Saxon corporate prowess? British companies operate in a freer environment than many of their Continental competitors. They do not suffer from the same labor restrictions, heavy social-security burden, and other structural impediments that hold back enterprises in many countries. It would have been much more difficult for HBOS, Royal Bank of Scotland Group, and HSBC Holdings to cut costs and exploit synergies as aggressively as they have done over the past three years if they had been headquartered in Germany rather than Britain. Yet structural reforms now wending their way through the German parliament may give Teutonic companies a competitive jolt. Also, notable absentees from this year's list, such as Deutsche Bank, could well make it next year, thanks to their belated cost-cutting efforts.The European BW 50 also provides proof that, despite the long-standing argument over whether mergers generate shareholder value, they can and do create powerful, successful companies. HBOS and Royal Bank of Scotland, the two top-performing banks on the list, both British, prove the point. HBOS, which heads the overall ranking, was created in 2001 when Bank of Scotland joined forces with Halifax PLC, a mortgage specialist. A year earlier, Royal Bank of Scotland, No.3 on our list, acquired National Westminster Bank PLC. The merged entities now not only outrank British arch-rivals HSBC (No. 48) and Barclays PLC (No. 52), but also every bank on the Continent. "We have the financial strength and flexibility needed to sustain growth and manage risk in an uncertain world," says HBOS Chief Executive James Crosby. "Our merger continues to exceed expectations."Meanwhile, ongoing consolidation within the global pharmaceutical industry has produced some of Europe's biggest mergers. The 1999 union of Sweden's Astra and Britain's Zeneca gave birth to Europe's third-largest drug company -- and No.35 on our list. A year later, rival British drugmakers GlaxoWellcome and Smith-Kline Beecham joined forces, to form the global No. 2, behind Pfizer of the U.S.With a market value of 105 billion euros, GlaxoSmithKline PLC also ranks No.2 in the BW Europe 50. Glaxo boosted net income 27% last year to produce an astounding 62% return on equity in 2002. Despite shareholder criticism of the size of senior executive pay-packages, CEO Jean-Pierre Garnier told shareholders in May that the group's "effective cost control" and "promising early-stage R&D pipeline" give it an edge over its competitors.One of the most striking things about the BW Europe 50 is the presence of so many energy and utility companies. In all, there are 13 producers, refiners, and distributors of oil, natural gas, and electricity. Some want to extract the energy and avoid the costly business of selling the end product. Oil giant Total, for example, is making a major bet on finding new acreage. "We are benefiting from a very clear long-term strategy of giving priority to the upstream," said Christophe de Margerie, president of exploration and production.Total benefited from a rise in world oil prices, but those companies in power generation and distribution had to combat three years of stalled demand for power by consumers and companies. Plus, privatization, deregulation, and mounting competition have limited the ability of these companies to push through rate hikes. To make matters worse, many European energy outfits temporarily fell out of favor with investors following the collapse of Enron Corp. in 2001 on the other side of the Atlantic.Despite the tough odds, European power producers such as Belgium's Electrabel (No. 4) and Italy's ENI (No. 28) managed to assert themselves. Both have a commanding presence in their domestic markets. And, as a result of collapsing borders and deregulation, they have been able to push deep into markets elsewhere in the European Union. Electrabel has made significant breakthroughs into France, Italy, and Spain, and now chalks up 37% of its sales abroad. All told, Electrabel increased sales by 18% over the past year. Its success sends an important message to the rest of Europe: Companies that exploit opportunities stemming from deregulation and the single currency are poised to excel.Then there's retail. Stagnant economies and rising joblessness have caused consumers in many parts of the Old World to pull in their horns. At the same time, fierce competition and deflationary pressures have forced down prices for many goods. That's hardly an optimal climate for retail chains. Yet seven retailers of one sort or another made it into the European BW 50. British supermarket operator Tesco PLC (No. 10) shows that grocers can sparkle even in tough markets. The group, headquartered in Hertfordshire, England, spent 300 million euros last year in a successful bid to wrest market share from rivals such as J. Sainsbury PLC, slashing prices and opening 62 new stores in Britain. Whereas many retailers saw profits plunge, Tesco's surged 14% in 2002. Tesco also runs the world's most successful online supermarket, which it is now replicating from Korea to Central Europe to the U.S., via a partnership with its American peer, Safeway.Giving customers what they want at a reasonable price is also paying big dividends at Swedish apparel retailer H&M Hennes & Mauritz (No. 8). The chain has 893 stores in 17 countries and plans to open another 110 this year, including 20 in the U.S. "We've halved the time it takes to open new stores, to an average of four to five weeks," says CEO Rolf Eriksen. "This doesn't reduce start-up costs, but it does help accelerate sales."H&M has long been an investor favorite. On the flip side, companies that investors shunned just 12 months ago are back in favor. France Télécom, for example, generated a jaw-dropping 161.6% shareholder return over the past year, thanks to the appointment of turnaround whiz Thierry Breton as CEO and investor enthusiasm for his plan to slash the company's massive debt load and trim operating expenses. Despite its improved outlook, though, France Télécom didn't make it into the top 50 because its performance in the previous two years was so dire. The same goes for other telcos such as Deutsche Telekom and Britain's BT Group, which are rebounding but still dealing with post-boom excesses.Despite their strengths, many of the companies in the BW Europe 50 face new challenges. Although there are some signs that the euro- zone economy is finally beginning to recover, consumers are still reluctant to splurge on big-ticket items. According to the European Automobile Manufacturers' Assn., European car sales were down 2.6% in unit terms during the first six months of 2003. Notwithstanding cheap financing deals and special offers, demand for autos could drop further in the coming months. Innovation, expansion into new markets, and deft control over manufacturing will set the winners apart from the losers, and likely continue to benefit the four carmakers on our list: France's PSA Peugeot Citroën (No. 15), Renault (No. 19), Germany's BMW (No. 21), and Porsche (No. 27).Luxury carmakers Porsche and BMW are expected to boost revenues and outmaneuver rivals, even in the stagnant Western European market. As the U.S. and European car markets went into a tailspin, Porsche moved quickly to trim production of its classic 911 and Boxster models. It also introduced the Cayenne, a racy new sport-utility vehicle that is powering sales and more than offsetting the decline in sportscar sales. The Stuttgart-based carmaker has returned 39% in value to shareholders over the past three years.It does help that global consumers have demonstrated a willingness to spend more of their income on luxury cars. The premium auto segment is growing at nearly twice the annual clip of the mass market. "The outlook for German luxury brands in the U.S. is extremely bright in sedans and SUVs," says Stephen B. Cheetham, auto analyst at Sanford C. Bernstein & Co.Meanwhile, the strong euro is giving headaches to many European companies -- and that could eventually include the luxury carmakers. Most vulnerable are exporters and those with large dollar revenues. If, as some currency traders predict, the euro hits $1.25 by year end, BMW, Carrefour, Sanofi-Synthélabo, and other companies with large sales outside the euro zone could see their revenues crimped.Yet for every euro loser there will be a euro winner. Companies that source a large portion of their products outside Europe stand to gain, as wages and other production costs decline when measured in euros. H&M's Eriksen says his company has already reaped some benefits. "As the euro strengthens," he says, "so does our purchasing power. That enables us to pass on those gains to consumers through lower prices."Falling interest rates could also spell relief for European businesses. With the benchmark European Central Bank rate at 2%, interest rates for most companies in the euro zone are at their lowest level in a generation. And the consensus among economists is that the ECB will cut rates again before the end of the year. On the Continent, cheap money is changing the dynamics of corporate performance. For starters, it makes it easier for heavily indebted enterprises to refinance themselves, which is one reason why many telcos have been able to stage a recovery in recent months.The biggest impact of low interest rates could be to underpin the recovery of the equity markets and create an environment in which managers are once again willing to assume big capital-market risks, such as mergers and acquisitions.The process has already started. In June, Italy's Banca Generali acquired compatriot Banca Privamera for 50 million euros in cash and 202 million euros in shares. A return to the go-go days of the late 1990s is probably still a long way off, however. And despite all the uncertainties about the euro, interest rates, and the economy, the European companies that are likely to thrive over the next year will be the ones that can do what the winners have done over the past three years: cut costs, widen margins, develop a more intimate and lucrative relationship with customers, and generate more profits.By David Fairlamb, with Jack Ewing and Gail Edmondson in Frankfurt, Kerry Capell and Stanley Reed in London, and Andy Reinhardt in Paris, and Frederick F. Jespersen in New YorkGet BusinessWeek directly on your desktop with our RSS feeds.Add BusinessWeek news to your Web site with our headline feed.Click to buy an e-print or reprint of a BusinessWeek or BusinessWeek Online story or video.To subscribe online to BusinessWeek magazine, please click here.Learn more, go to the BusinessWeekOnline home page# posted by brijesh agarwal @ 10:19 PM 0 Comments banks-financeThursday, July 12, 2007Bank of America (NYSE: BAC TYO: 8648 ) is the largest commercial bank in the United States in terms of deposits, and the largest company of its kind in the world.[3][4] Bank of America is the largest American company (by market capitalization) that is not part of the Dow Jones Industrial Average. On July 19, 2006, Bank of America reported second quarter 2006 net income of $5.48 billion,[5] surpassing that of Citigroup for the first time.Contents[hide]1 Corporate history1.1 Pre-1998 history1.1.1 Bank of Italy1.1.2 Growth in California1.1.3 Expansion outside of California1.2 Merger of NationsBank and BankAmerica1.3 History since 19981.3.1 Acquisition of National Processing Company1.3.2 FleetBoston Financial merger1.3.3 Purchase of MBNA1.3.4 Divestiture of Brazil operations1.3.5 Plans to acquire LaSalle Bank2 Bank of America today2.1 Consumer2.2 Corporate2.3 Investment Management2.4 Social responsibility3 Controversy and criticism4 International operations5 Bank of America corporate buildings6 Diversity7 Major sponsorships7.1 Official bank of8 References9 See also10 External links//[edit] Corporate historyIt has been suggested that NationsBank be merged into this article or section. (Discuss)Before 1993, the Bank of America that exists today was known as NationsBank, based in Charlotte, NC. In 1998, NationsBank merged with San Francisco-based BankAmerica and assumed the Bank of America name.[edit] Pre-1998 history[edit] Bank of ItalyThe roots of the pre-1998 Bank of America lie in the American Bank of Italy, founded in San Francisco by Amadeo Giannini in 1904. When the 1906 San Francisco earthquake struck, Giannini was able to get all of the deposits out of the bank building and away from the fires. Thus, unlike many other banks, he retained the confidence of the depositors and also had money to loan to those struck by the disaster.In the late 1920s, Giannini approached Orra E. Monnette, President and founder of the Los Angeles based Bank of America, Los Angeles about a potential merger between the two entities. The Los Angeles based bank had exhibited strong growth throughout the 1920s, due in part to its success in developing an advanced bank branching system. The merger of the two institutions was completed in early 1929 and took the name Bank of America. The combined company was headed by Giannini with Monnette serving as co-Chair.While the names of many nationally chartered banks end with the initials 'N.A.' (National Association), Giannini picked a unique ending, National Trust and Savings Association, or 'NT&SA', because he wanted the name to highlight the different functions of the bank. Bank of America was the only NT&SA in the country. Thanks to good management, but also to aggressive development of the branch banking concept, the bank was soon the largest in California.[edit] Growth in CaliforniaGiannini also sought to build a national bank, expanding into most of the western states as well as into the insurance industry, under the aegis of his holding company, Transamerica Corporation. Bank of America NT&SA also had banking relationships in international financial markets. Largely out of fear that Giannini would succeed in his efforts to create a nationwide bank, federal legislation prohibited banks from accepting deposits in states where they were not headquartered. This led to the creation of the bank holding company which could own a separate bank in each state.The passage of the Bank Holding Company Act of 1956, prohibited banks from owning non-banking subsidiaries such as insurance companies. Bank of America and Transamerica were separated, with the latter company continuing in the insurance business. However, federal banking regulators prohibited Bank of America's interstate banking activity, and Bank of America's domestic banks outside of California were forced into a separate company that eventually became First Interstate Bancorp, which was acquired by Wells Fargo and Company in 1996. It was not until the 1980s with a change in federal banking legislation and regulation that Bank of America was again able to expand its domestic consumer banking activity outside of California.California was the nation's fastest growing state during the post-World War II boom, with the highest use of checking accounts (partially driven by many soldiers being paid via bank accounts during World War II), resulting in Bank of America being swamped by checks. By 1949 , the branches had to close at 2:00pm in order to process the bookkeeping by 5:00 p.m. To cope with the transaction volume, the bank invested heavily in information technology and is generally credited, together with General Electric and SRI International, with inventing modern centralized bank operations, along with a number of financial transaction processing technologies such as automatic check processing, account numbers, and Magnetic Ink Character Recognition. Because of the efficiency of these technologies, the bank had significantly lower administrative costs than other banks and was able to expand until it became the world's largest bank in the early 1970s.These technologies also enabled credit cards to be linked directly to individual bank accounts. In 1958, the bank invented the bank credit card, the BankAmericard, which changed its name to VISA in 1977. A consortium of other California banks came up with Master Charge (now MasterCard) in order to compete with BankAmericard.[edit] Expansion outside of CaliforniaBank of America Corporate Center, located in the center of uptown Charlotte, North Carolina.Following passage of the Bank Holding Company Act of 1967, BankAmerica Corporation was established for the purpose of owning Bank of America and its subsidiaries.BankAmerica expanded outside California in 1983 with its acquisition of Seafirst Corporation of Seattle, Washington, and its wholly owned banking subsidiary, Seattle-First National Bank. Seafirst was at risk of seizure by the federal government after becoming insolvent due to a series of bad loans to the oil industry. BankAmerica continued to operate its new subsidiary as Seafirst rather than Bank of America until the 1998 merger with NationsBank.BankAmerica was dealt huge losses in 1986 and 1987 due to the placement of a series of bad loans in the Third World, particularly in Latin America. The company fired its CEO, Sam Armacost, although Armacost blamed the problems on his predecessor, A.W. (Tom) Clausen, who was then appointed to replace Armacost. The losses resulted in a huge decline of BankAmerica stock, making it vulnerable to a hostile takeover. First Interstate Bancorp of Los Angeles (which had originated from banks once owned by BankAmerica), launched such a bid in the fall of 1986, although BankAmerica rebuffed it, mostly by selling its FinanceAmerica subsidiary to Chrysler, and by selling the brokerage firm Charles Schwab and Co. back to Mr. Schwab. On the day of the 1987 stock market crash, BankAmerica was trading at $8 per share, although by 1992 it had rebounded mightily to become one of the biggest gainers of that half-decade. The selling of the corporate headquarters building in downtown San Francisco to raise capital was a symbolic blow to the bank.[citation needed]BankAmerica's next big acquisition came in 1992. The company acquired its California rival, Security Pacific Corporation and its subsidiary Security Pacific National Bank in California and other banks in Arizona, Idaho, Oregon and Washington (which Security Pacific had acquired in a series of acquisitions in the late 1980s). This was, at the time, the biggest bank acquisition in history. Federal regulators nevertheless forced the sale of Security Pacific's Washington subsidiary, Rainier Bank, because the combination of Seafirst and Rainier would have given BankAmerica too large a share of the market in that state. Later that year, BankAmerica expanded into Nevada by acquiring Valley Bank of Nevada.In 1994 , BankAmerica acquired the Continental Illinois National Bank and Trust Co. of Chicago, which had become federally owned as part of the same oil industry debacle that had brought down Seafirst. At the time, no bank had the resources to bail out Continental, so the federal government operated the bank for nearly a decade. Illinois at that time regulated branch banking extremely heavily, so Bank of America Illinois was a single-unit bank until the 21st century. BankAmerica moved its national lending department to Chicago in an effort to establish a financial beachhead in the region.These mergers helped BankAmerica Corporation once again become the largest U.S. bank holding company in terms of deposits, but the company fell to second place in 1997 behind fast-growing NationsBank Corporation, and to third in 1998 behind North Carolina's First Union Corp. In 1998, BankAmerica and NationsBank executed a merger-of-equals and changed the headquarters to Charlotte, North Carolina.[edit] Merger of NationsBank and BankAmericaIn 1997, BankAmerica lent D.E. Shaw & Co., a large hedge fund, $1.4bn so that the hedge fund would run various businesses for the bank. However, D.E. Shaw suffered significant loss after 1998 Russia bond default. BankAmerica was later acquired by NationsBank that year.The purchase of BankAmerica Corp. by the NationsBank Corporation was the largest bank acquisition in history at that time. While the deal was technically a purchase of BankAmerica Corporation by NationsBank, the deal was structured as merger with NationsBank renamed to Bank of America Corporation, and Bank of America NT&SA, changing its name to Bank of America, N.A. as the remaining legal bank entity. The bank still operates under Federal Charter 13044 which was granted to Giannini's Bank of Italy on March 1, 1927. However, SEC filings before 1998 are listed under NationsBank, not BankAmerica.Following the US$64.8 billion acquisition of BankAmerica by NationsBank, the resulting Bank of America had combined assets of US$570 billion, as well as 4,800 branches in 22 states. Despite the mammoth size of the two companies, federal regulators insisted only upon the divestiture of 13 branches in New Mexico, in towns that would be left with only a single bank
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125. www.gomopa.net 109000
126. www.ccnow.com 108000
127. www.prudential.com 106000
128. www.bid4assets.com 106000
129. www.ikk.de 106000
130. www.ftb.ca.gov 106000
131. www.freddiemac.com 104000
132. www.fanniemae.com 103000
133. www.metlife.com 102000
134. www.financescout24.de 99400
135. www.k2kapital.com 96600
136. www.thehartford.com 96300
137. www.raiffeisen.ch 93600
138. www.abnamro.com 90400
139. www.ambest.com 87800
140. www.beursplaza.com 87700
141. www.interhyp.de 87700
142. www.principal.com 86400
143. www.dkb.de 85200
144. www.ml.com 83700
145. www.deutsche-rentenversicherung.de 83700
146. www.afm.nl 83200
147. www.quote.com 83000
148. www.jpmorganchase.com 82200
149. www.db.com 81500
150. www.newyorklife.com 80800
Updated Sun, July 29, 2007.
151. www.postfinance.ch 80400
152. www.manulife.com 79700
153. www.carinsurance.com 79400
154. www.beurs.nl 78300
155. www.business-wissen.de 78200
156. www.scotiabank.com 77800
157. www.ing.com 77300
158. www.key.com 77100
159. www.aig.com 76800
160. www.analist.be 76100
161. www.forium.de 75900
162. www.cubi.nl 75400
163. www.nationalcity.com 75100
164. www.kbc.be 75100
165. www.deka.de 75100
166. www.abnamro.nl 74700
167. www.gs.com 74400
168. www.citizensbank.com 73900
169. www.comdirect.de 73500
170. www.postbank.nl 73400
171. www.postbank.de 73200
172. benefitslink.com 71700
173. www.insweb.com 71000
174. www.nymex.com 69600
175. www.worldpay.com 66200
176. www.cvz.nl 64500
177. www.signal-iduna.de 63100
178. www.steuernetz.de 62300
179. www.bankkaufmann.com 62200
180. www.financieel-management.nl 62100
181. www.hypovereinsbank.de 61900
182. www.cibc.com 61700
183. www.wgkk.at 61700
184. www.novethic.fr 61500
185. www.wetfeet.com 61300
186. www.bank-banque-canada.ca 61100
187. www.bmo.com 59600
188. www.westpac.com.au 59500
189. www.abi.cab.banche.meglio.it 57800
190. www.kaiserpermanente.org 57700
191. www.vergleichen-und-sparen.de 57700
192. www.savingadvice.com 57700
193. www.sovereignbank.com 57100
194. www.dak.de 57100
195. www.adp.com 55500
196. www.moneygram.com 55500
197. www.aflac.com 55200
198. www.dexia.be 55100
199. us.hsbc.com 55000
200. www.hangseng.com 54800
201. www.xoom.com 54200
202. www.vsp.com 54200
203. www.amsouth.com 53800
204. www.ey.nl 53500
205. www.pnc.com 53400
206. www.biallo.de 52900
207. www.eulerhermes.com 52300
208. www.insure.com 52300
209. www.swapalease.com 52000
210. www.zionsbank.com 51900
211. www.cajamadrid.es 51900
212. forums.kiplinger.com 51600
213. www.icicibank.com 51400
214. www.onlinebanking-forum.de 51100
215. www.53.com 50100
216. www.gothaer.de 50100
217. www.lacaixa.es 50000
218. www.delta-credit.de 50000
219. www.commerzbank.de 49900
220. www.hoyinversion.com 49900
221. www.aib.ie 49600
222. www.bankone.com 49500
223. www.insurance-canada.ca 49400
224. www.veb.net 49100
225. www.humana.com 48500
226. www.give.org 48000
227. www.bkk.de 47400
228. www.beleggersbelangen.nl 47300
229. www.snsbank.nl 45900
230. www.ihre-vorsorge.de 45600
231. www.ffsa.fr 45200
232. www.huntington.com 44500
233. www.massmutual.com 44300
234. www.sozialversicherung.at 44200
235. www.standardbank.co.za 43500
236. www.tdcanadatrust.com 43400
237. www.bcbs.com 43400
238. www.co-operativebank.co.uk 43000
239. www.fairisaac.com 42500
240. www.peoples.com 42300
241. creditboards.com 41900
242. www.usmarkets.nl 41600
243. www.barmer.de 41500
244. www.mstc.state.ms.us 41400
245. www.tripinsurancestore.com 41200
246. www.abkbank.de 40300
247. www.1040.com 40200
248. www.national.com.au 40000
249. www.on24.com 39800
250. www.consolidatedcredit.org 39100
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CIO 100 Companies In Financial Services (2007)
3. Royal Bank of Scotland Group
The Royal Bank of Scotland (RBS), the UK’s second largest banking group, in line with other players in the market, saw its profits rise again this year. It reported a pre-tax profit of £9.2 billion, 16 per cent up on figures last year.
7. Lloyds TSB Group
Lloyds TSB is currently the fifth largest banking group in the UK, operating in England and Wales as Lloyds TSB; and in Scotland as Lloyds TSB Scotland. Its other subsidiaries include the mortgage bank Cheltenham & Gloucester; life assurance company Scottish Widows; and finance house Blackhorse.
8. HBOS
HBOS is the UK’s largest mortgage and savings provider and the number one provider of new investment products. It provides retail, business and corporate banking, and insurance and investment services through its multi-brand strategy in the UK and internationally.
14. HSBC Holdings
HSBC is one of the largest banking and financial services organisations in the world. Its international network comprises around 10,000 offices in 82 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa and is listed on the London, Hong Kong, New York, Paris and Bermuda stock exchanges.
15. Barclays
Barclays is a UK-based financial services group and has a large international presence in Europe, the US, Africa and Asia. It is engaged primarily in banking, investment banking and investment management. In terms of market capitalisation, Barclays is one of the largest financial services companies in the world. It has been operating for more than 300 years and now has 27 million customers and 123,000 employees in over 50 countries.
17. Co-operative Group
As this year’s CIO special report went to press, the UK’s top two co-operatives were in the midst of agreeing a merger that will form the world’s largest consumer co-operative group. The July merger of Rochdale-based United Co-operatives, which has 930,000 members, and the Manchester based Co-operative Group, with 3.5 million members, makes it responsible for more than 80 per cent of the UK’s co-operative retail trade.
36. Aviva
Aviva is the fifth largest insurance group in the world, the biggest in the UK and one of the leading providers of life and pensions products in Europe. Its main activities are long-term savings, fund management and general insurance. The group has some 58,000 employees and 35 million customers worldwide.
43. Nationwide Building Society
Last autumn Nationwide, the UK’s biggest building society, reported interim profit up 30 per cent to £336.4 million in the six months ended September 30 2006. This compares with £254.8m in the same period the year before. Also in September, the company announced it would take over rival Portman, the third largest building society, in a deal that will create the UK’s second largest mortgage lender after HBOS. The merger is due to take effect in September 2007.
44. JP Morgan Chase
JP Morgan Chase is a global financial services firm with assets of about $1.4 trillion and operations in more than 50 countries. The organisation is a conglomeration formed as a result of years of mergers with different banks, including what a decade ago were five of New York’s largest.
54. KPMG LLP
Professional services firm KPMG – one of the ‘big four’ of UK accountancy firms along with PricewaterhouseCoopers, Ernst & Young and Deloitte & Touche – has had a very good year. The company’s revenues were up 14 per cent to £1,454 million, and operating profits grew by 19 per cent to £373m, across all its business lines.
60. Deloitte & Touche LLP
It has been a hectic year for Mary Hensher, CIO of Deloitte & Touche, and her team. “We have been restructuring the way we work,” she says. For example the London campus, where 6,000 people work, is being transformed to accommodate hot-desking – the firm calls it “hotelling” – to complement its already mobile workforce. The firm has also been working on standardising and managing its documents and archiving.
80. Royal & SunAlliance
oyal & SunAlliance (R&SA) insurers, owner of the More Th>n brand, posted strong results for 2006 and set a generous dividend policy in March 2007 following the disposal of a troubled US subsidiary.
82. AXA
AXA is a world leader in financial services with operations in Western Europe, North America and the Asia Pacific area. The group services 50 million customers throughout the world and has approximately 110,000 employees and distributors worldwide, working in some 50 countries. AXA reported an 18 per cent increase in its annual profit in February 2007 and announced that last year’s £5.3 billion acquisition of Winterthur from Credit Suisse would yield more financial benefits than expected.
88. Prudential
Financial services company Prudential sells a range of investments, personal banking insurance, pensions and institutional investments and fund management.
94. Standard Life Group
Standard Life is one of the UK’s largest financial services organisations, providing life assurance and pensions, investment management and healthcare insurance services.
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. Ministry of Defence
It’s little wonder that, with global security high on the agenda, the UK defence budget is set to increase from £29.7 billion in 2004/05 to £33.4bn in 2007/08. In real terms (after inflation) this represents average annual growth of 1.4 per cent and will amount to the UK’s longest period of sustained real term growth in planned defence spending.
2. Her Majesty’s Revenue & Customs
In the four years since top civil servant Gus O’Donnell, then permanent secretary at the Treasury, concluded that merging the former Inland Revenue with Customs & Excise would create a more efficient and effective tax collection and enforcement organisation, Her Majesty’s Revenue & Customs (HMRC) has faced a multitude of supplier and management-related IT challenges.
3. Royal Bank of Scotland Group
The Royal Bank of Scotland (RBS), the UK’s second largest banking group, in line with other players in the market, saw its profits rise again this year. It reported a pre-tax profit of £9.2 billion, 16 per cent up on figures last year.
4. BT Group
BT’s IT function has had an impressive 12 months. It has ‘upskilled’ more than 5,000 IT professionals, so that now 3,100 are engaged in customer-facing, revenue-generating work rather than internal IT projects. It has also achieved a first-time, net reduction in the systems estate, savings of approximately 19 per cent in unit costs two years in a row, while simultaneously tripling its output, and doubling its delivery speed.
5. Department for Work & Pensions
The Department of Work and Pensions (DWP) pays out £115 billion a year to more than 26 million customers. While its IT systems may not always have been in the spotlight for all the right reasons this past year, the department headed by Joe Harley has certainly been central to some major changes.
6. Royal Mail Group
With its market now open to competition, the last year was a bit strange for the Royal Mail Group business but in IT terms it was pretty good, according to its group technology director David Burden. “We still managed to cut 10 per cent from our costs, while at the same time absorbing a range of new technologies and systems,” he says.
7. Lloyds TSB Group
Lloyds TSB is currently the fifth largest banking group in the UK, operating in England and Wales as Lloyds TSB; and in Scotland as Lloyds TSB Scotland. Its other subsidiaries include the mortgage bank Cheltenham & Gloucester; life assurance company Scottish Widows; and finance house Blackhorse.
8. HBOS
HBOS is the UK’s largest mortgage and savings provider and the number one provider of new investment products. It provides retail, business and corporate banking, and insurance and investment services through its multi-brand strategy in the UK and internationally.
9. Unilever
Anglo-Dutch consumer goods giant Unilever produces 400 brands in 14 categories of food, home and personal care products. It operates in nearly 100 countries, has 365 manufacturing sites, and employs more than 220,000 people.
10. BP
BP is one of the largest integrated oil companies in the world, with an estimated global market share of around three per cent of oil and gas production and four per cent of refining capacity in the major global markets in which it operates.
11. Tesco
The big story in Tesco over the last year has been its ongoing growth and consolidation as a market leader to rival Wal-Mart in the US through increased global expansion. Most recently, that expansion saw it announce it will enter the US market in 2007 with a new ‘Fresh & Easy Neighbourhood Market’ brand based on its local ‘Express’ format.
12. DHL
DHL Logistics is ahead with its planned integration with UK logistics company Exel, that its parent company Deutsche Post bought at the end of 2005 for £3.7 billion. The organisation had said it hoped to complete the integration in two to three years, but Nigel Underwood, CIO of DHL Logistics, is hoping to conclude the integration work by the end of this year.
13. GlaxoSmithKline
Headquartered in the UK and with operations in the US, GlaxoSmithKline (GSK) is one of the industry leaders, with an estimated seven per cent of the world’s pharmaceutical market. It is the only pharmaceutical company to tackle the World Health Organisation’s three ‘priority’ diseases – HIV/AIDS, tuberculosis and malaria – and it produces medicines that treat six major disease areas – asthma, virus control, infections, mental health, diabetes and digestive conditions. Along with this, the pharmaceutical giant is also the manufacturer of brand leaders such as Gaviscon, Aquafresh and Lucozade.
14. HSBC Holdings
HSBC is one of the largest banking and financial services organisations in the world. Its international network comprises around 10,000 offices in 82 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa and is listed on the London, Hong Kong, New York, Paris and Bermuda stock exchanges.
15. Barclays
Barclays is a UK-based financial services group and has a large international presence in Europe, the US, Africa and Asia. It is engaged primarily in banking, investment banking and investment management. In terms of market capitalisation, Barclays is one of the largest financial services companies in the world. It has been operating for more than 300 years and now has 27 million customers and 123,000 employees in over 50 countries.
16. Centrica
The markets in which Centrica, the UK’s biggest residential energy supplier, operates are changing. As gas demand increases globally, UK continental shelf production is in decline and new sources of gas are needed to fill the gap. Gas prices in the UK have been on an upward trend and are being driven to higher, previously unseen levels.
17. Co-operative Group
As this year’s CIO special report went to press, the UK’s top two co-operatives were in the midst of agreeing a merger that will form the world’s largest consumer co-operative group. The July merger of Rochdale-based United Co-operatives, which has 930,000 members, and the Manchester based Co-operative Group, with 3.5 million members, makes it responsible for more than 80 per cent of the UK’s co-operative retail trade.
18. BAE Systems
It has been a good year for business, says Chris Coupland, director of IT and e-business for aerospace and defence supplier BAE Systems. The company had nine per cent revenue growth, more than £1 billion profits, further growth in the US and made a number of international acquisitions.
19. J Sainsbury
J Sainsbury has rarely been out of the news in the last few years and its latest headlines involved the possible takeover by private equity investors of the supermarket chain. US-based private equity consortium CCVC Capital Partners, Blackstone and TPG Capital pulled out in early April after it became clear the Sainsbury’s board would not back their proposed offer.
20. The Metropolitan Police
A continuing target of the Metropolitan Police’s director of information, Ailsa Beaton, is the successful delivery of the force’s largest ever organisational change management programme. The Command, Control, Communication and Information (C3i) project is responding to the projected increase in external calls and emails received by the Met, expected to reach 23 million a year by 2010.
21. Home Office
The silos of information and communication that exist in the Home Office continues to dog the government department responsible for law and order, national security and immigration.
22. John Lewis Partnership
The John Lewis Partnership had sales last year of £6.4 billion, 11 per cent up on the previous year. It consists of two trading divisions, John Lewis department stores and the Waitrose supermarket chain. Both businesses are underpinned by a largely common technical infrastructure, including payroll and accounting systems.
23. Rolls-Royce
Rolls-Royce had very good results this year, with very favourable growth in all the sectors it operates in – civil and defence aerospace and marine power and energy. As ever IT has been playing a significant role in this growth, with strong project management and very aggressive timescales being the norm at the company.
24. Reuters
It has been a very busy, but successful year for David Lister, CIO at Reuters, and his team. After a two to three year period of recovery, the company is showing good performance, increased growth and getting moving again.
25. BBC
Keith Little has been CIO at the BBC since October, following six months as acting CIO in a hand-over period before CTO John Varney left the organisation. In that time the corporation has been concentrating on bedding down its outsourcing relationship with Siemens, while it prepares to focus on director general Mark Thompson’s Creative Futures vision as the BBC prepares to turn off analogue broadcasting and make the most of the multi-platform world.
26. Rentokil Initial
The year has been one of significant change for Rentokil Initial with a range of disposals including Manned Guarding in the UK, US and Belgium, and 70 company acquisitions across the full range of retained businesses around the globe.
27. BA
BA’s key achievement in the last 12 months is its continued success in the online space, according to Paul Coby, BA’s CIO. “It has been a huge success, moving from niche to mainstream in a very short time. Around 60 per cent of check-ins are done using self-service now in terminal four.”
28. Department of Constitutional Affairs
The next 12 months will see major upheaval at the Department of Constitutional Affairs (DCA). The department is responsible for upholding justice, rights and democracy. Its responsibilities include running the courts, and improving the justice system; human rights and information rights law; and policy on running elections and modernising the constitution.
29. Corus Group
The big news for Corus, Europe’s second largest steel producer, is its successful acquisition by Tata Steel for £6.2 billion. The deal finally went through in April and means the enlarged company will have a crude steel production of 27 million tonnes this year. It will be the world’s fifth largest steel producer with 84,000 employees globally.
30. Alliance Boots
Just seven months after Boots completed its £7 billion merger with Alliance Unichem on 31 July 2006, the combined company became the target of a private equity bid. Alliance Boots’ deputy chairman Stefano Pessina, along with private equity giant Kohlberg Kravis Roberts, first launched a £10 billion offer to buy the retail and pharmaceutical wholesale company in March.
31. Network Rail
Network Rail’s IT organisation has had its fair share of achievements over the last year, not least of which is the high profile appointment of the new IM director, Catherine Doran, who arrived last June from BT. The team has implemented a major data warehouse project, which holds train performance data, and is used for operational performance monitoring.
32. BUPA
BUPA had a very busy and successful year according to group IS director John Lister. “Over the last two years we have done a lot of planning as well as development. Now our new infrastructure and architecture is coming together, and there has been a lot of delivery both inside the UK and in Australia, Spain, Hong Kong, Saudi Arabia and Thailand,” he says.
33. Compass Group
Compass Group is a major foodservice company, with annual revenues of around £11 billion. With an extensive geographic and market sector coverage and employing over 400,000 people, the group’s business is diverse, operating in different regions and cultural environments.
34. WH Smith
WH Smith is one of the UK’s leading retail groups with 543 high street stores and 129 travel stores at airports, train stations and motorway services across the UK, plus an online retail outlet with WH Smith Direct.
35. Arriva
Arriva, one of the largest transport services organisations in Europe, has a major presence in nine European countries: Czech Republic, Denmark, Italy, Germany, The Netherlands, Portugal, Spain, Sweden and the UK. Employing more than 33,000 staff, the company is the largest bus operator in London and the largest private bus operator in Italy, Denmark and The Netherlands.
36. Aviva
Aviva is the fifth largest insurance group in the world, the biggest in the UK and one of the leading providers of life and pensions products in Europe. Its main activities are long-term savings, fund management and general insurance. The group has some 58,000 employees and 35 million customers worldwide.
37. FirstGroup
FirstGroup is in the middle of an acquisition. Laidlaw International, the yellow school bus operator and owner of Greyhound, is being bought by FirstGroup for £2 billion and, assuming the buyout goes ahead, it will make FirstGroup the largest bus operator in the US, with less than 20 per cent of the American market and giving it ample opportunities for growth.
38. Kent County Council
Kent County Council’s ICT group recognises that efficiency in the deployment and use of ICT is not about a narrow approach to reducing costs, it must also be about deriving increased value throughout the business, brought about by investment in the application of technology.
39. Ford of Europe
Last year Ford of Europe’s head of IT, Bill Fairclough, stated that the company would be concentrating on service levels, critical systems and security controls. The business focus was on cost and IT was focusing on simplification and consolidation of its infrastructure and systems.
40. ASDA
Wal-Mart owned ASDA has been celebrating its performance in the first quarter of the year. According to figures from retail market specialist TNS, ASDA is the UK’s fastest growing retailer, showing a nine percent improvement on figures last year.
41. Balfour Beatty
Balfour Beatty topped financial forecasts with a 25 per cent rise in annual profits on the back of record order books for its full 2005 financial year. The company is made up of around 18 different businesses, operating in a number of markets, including civil engineering and energy, road and rail services and construction.
42. McDonald’s Restaurants
McDonald’s is in the middle of a major back-office overhaul and technology refresh which began last year. The work is being carried out on three to four restaurants over night to cause as little disruption to the company’s business as possible.
43. Nationwide Building Society
Last autumn Nationwide, the UK’s biggest building society, reported interim profit up 30 per cent to £336.4 million in the six months ended September 30 2006. This compares with £254.8m in the same period the year before. Also in September, the company announced it would take over rival Portman, the third largest building society, in a deal that will create the UK’s second largest mortgage lender after HBOS. The merger is due to take effect in September 2007.
44. JP Morgan Chase
JP Morgan Chase is a global financial services firm with assets of about $1.4 trillion and operations in more than 50 countries. The organisation is a conglomeration formed as a result of years of mergers with different banks, including what a decade ago were five of New York’s largest.
45. Serco Group
Serco is an international services company that operates in markets as diverse as defence, transport, government, science and education. Although it still generates 75 per cent of its sales from the UK market, it won a raft of overseas contracts during 2006 such as a deal valued at Aus$155 million over five years to run Acacia Prison in Western Australia.
46. Home Retail Group
The Home Retail Group came into existence last autumn after demerging from Great Universal Stores, which was wound up after being in business since 1900. Its shares began trading on the London Stock Exchange as of 11 October 2006 and its operating divisions comprise Argos, a multi-channel retailer of general merchandise, and Homebase, the UK’s second largest home improvement retailer.
48. Leeds City Council
Leeds City Council has won plaudits for its work on an ongoing programme to improve and expand the electronic delivery of local government services to its 715,000 citizens. This year this has led to the council’s website being rated among the top eight UK metropolitan authorities for meeting residents’ needs by the Society for IT Managers (SOCITM) in March.
49. Virgin Media
Finishing the Virgin Media infrastructure integration while supporting the continuing growth of the business are the twin challenges for Howard Watson, chief technology and information officer at Virgin Media, over the year ahead.
50. Somerfield
Somerfield is already reaping the rewards of a seven-year deal to outsource the management of its entire IT infrastructure to Tata Consultancy Services (TCS), signed at the end of last year. At the start of this year, TCS started answering all Somerfield’s IT helpdesk calls from a facility in India.
51. Manchester City Council
Manchester is the North West’s regional centre for finance, commerce, retail, culture and leisure, home to a major international airport and one of the largest student populations in Europe. It has transformed itself from an industrial city dependent on manufacturing to a thriving, modern, dynamic, international city.
52. SPAR UK
SPAR launched the first of several technology pilots at its Euro SPAR convenience store in Belfast in January. The store is testing self checkout and electronic shelf-edge labelling in an effort to prove the business benefits for small stores.
53. Marks & Spencer Group
Marks & Spencer has continued its remarkable turnaround over the last 12 months and technology is likely to play an increasingly important role in the year ahead. The appointment of IT heavyweight Darrell Stein as IT director at the retailer last year reflects the importance of technology at the store.
54. KPMG LLP
Professional services firm KPMG – one of the ‘big four’ of UK accountancy firms along with PricewaterhouseCoopers, Ernst & Young and Deloitte & Touche – has had a very good year. The company’s revenues were up 14 per cent to £1,454 million, and operating profits grew by 19 per cent to £373m, across all its business lines.
55. Kingfisher
Kingfisher is an international retailer with significant UK DIY and trade brands, B&Q and Screwfix Direct, in its stable. The company operates over 700 stores in 11 countries in Europe and Asia.
56. National Grid
National Grid is currently establishing a shared services function in the UK, which includes finance, HR and supply chain management. As part of that change it is taking a process centric view of its business and transforming all its end-to-end processes. It is also replacing its legacy back office systems with a single instance of SAP.
57. Glasgow City Council
Glasgow City Council, Scotland’s largest local authority, is upgrading its network to provide an IP telephony infrastructure and a multilingual contact centre.
58. Birmingham City Council
Birmingham City Council, the UK’s largest local authority, is hoping to realise some cost savings following a strategic partnership deal with Capita. This £475 million deal produced Service Birmingham – a joint venture between the council and the vendor. Service Birmingham’s objective is to create a fit-for-purpose infrastructure, deliver excellent and consistent service levels and support the transformation policy of the council.
59. Lancashire County Council
One of the largest county councils in England, Lancashire serves 1.1 million people living in diverse conditions; from rural countryside to the cities of Manchester and Liverpool.
60. Deloitte & Touche LLP
It has been a hectic year for Mary Hensher, CIO of Deloitte & Touche, and her team. “We have been restructuring the way we work,” she says. For example the London campus, where 6,000 people work, is being transformed to accommodate hot-desking – the firm calls it “hotelling” – to complement its already mobile workforce. The firm has also been working on standardising and managing its documents and archiving.
61. Department for Education & Skills
According to the government CIO’s annual report, IT spend in education is around £850 million with around £25m on internal IT systems.
62. Essex County Council
Essex County Council is a local government authority that provides a vast range of essential services for one and a quarter million people throughout eastern England. It is also the county’s largest employer with an annual turnover in excess of £900 million.
63. Orange
Orange, the internet and mobile phone arm of France Télécom, is seeing revenue growth in emerging markets. But in its mature markets – France, the UK and Spain – the picture is not so good. In 2006, average revenue per user (ARPU) was down and revenue gains were slim.
64. Department of Health
The Department of Health (DoH) has, as usual, come under a great deal of criticism this year, perhaps with just cause. Throughout the country local hospitals face closure, nurses are being made redundant and junior doctors are unable to find jobs.
65. Woolworths Group
Woolworths’ high street chain continues to struggle and started this year with declining like-for-like sales. In contrast, the variety retailer’s multi-channel operation is booming. The response of customers to Woolworths’ multi-channel offer and the launch of the Big Red Book catalogue has been positive.
66. EDF Energy
EDF Energy’s IT organisation has emerged as a force for business improvement and technology that is trusted by the business, according to Benoit Laclau, managing director of business improvement and technology.
67. West Sussex County Council
West Sussex County Council serves more than 750,000 citizens and spends more than £370 million per year on educating 100,000 pupils and another £130m a year on social care. And the population is growing with new companies springing up throughout the county as West Sussex, with its proximity to London, Gatwick Airport, Europe and a skilled workforce, is perceived as being ideally suited for start-up or expanding businesses.
68. Fife Council
As the third largest authority in Scotland, with a budget of over £580 million each year, Fife Council is responsible for delivering all local government services in the district. Its team of over 22,000 employees delivers more than 900 individual services to the people of Fife each year.
69. Environment Agency
The last year at the Environment Agency was spent working on a realigned IT strategy to create “a decent line of sight between IT and the business”.
70. WPP
WPP is made up of around 100 different companies, the largest with 15,174 employees, the smallest has 17, and operates in 106 countries around the world. Because of the structure of the organisation and the competitive nature of many of its clients WPP has an unusual IT challenge, as it will never be able to completely consolidate its IT offerings.
71. T-Mobile
T-Mobile is the UK network of T-Mobile International, one of the three strategic growth areas of Deutsche Telekom.
73. Land Rover and Jaguar
Michael Ali, CIO of Jaguar and Land Rover, says the organisation has had a good year and is still making progress in its markets. The two brands are both part of Ford’s Premier Automotive Group, which recently sold off Aston Martin.
74. WS Atkins
WS Atkins is the UK’s largest consultancy to undertake engineering and design projects in markets such as rail, highways and defence. In 2005, the organisation set up two steering committees to align IT more closely with its different businesses and to streamline IT decision-making.
75. Foreign & Commonwealth Office
This is a notable year for the FCO. It is in the middle of its seven-year Firecrest contract with HP and it is also the year to deliver on IT-driven savings. Following Sir Peter Gershon’s review of government efficiency, the FCO “committed to realising at least £118 million efficiency gains by 2007/08 through measures including improved information and communication technology (ICT) and more efficient procurement practices. These plans mean that more money will be redeployed away from back-office functions to frontline delivery areas.”
76. Vodafone Group
Vodafone, the world’s largest mobile operator, is still in the process of implementing its One Vodafone programme. The initiative, which started in 2005, is intended to boost revenues while simultaneously reducing operating expenses to fiscal 2004 levels during fiscal 2008.
77. Liverpool City Council
Liverpool City Council is committed to providing electronic access to its key services and is proud of its achievement in making these services electronically available a year ahead of government targets. Council customers can now make payments to Liverpool City Council using the website, by calling the Liverpool Direct call centre, by visiting a One Stop Shop or by using the automated telephone payments (ATP) system.
78. Department for Business, Enterprise and Regulatory Reform
2006 saw a process of constant IT driven change at the Department of Trade and Industry (DTI). It completed a programme that delivered 25 per cent savings through introducing eight desks for 10 staff, supported by new telephony.
79. DEFRA
The Department for Environment, Food and Rural Affairs’ (DEFRA) claimed core purpose is to improve the current and future quality of life. This one department brings together the interests of farmers and the countryside; the environment and the rural economy; the food we eat, the air we breathe and the water we drink.
80. Royal & SunAlliance
oyal & SunAlliance (R&SA) insurers, owner of the More Th>n brand, posted strong results for 2006 and set a generous dividend policy in March 2007 following the disposal of a troubled US subsidiary.
81. AstraZeneca UK
It has been a mixed business year for pharmaceuticals giant AstraZeneca after buying biotechnology firm Cambridge Antibody Technology (CAT) last year for £702 million, and having an important stroke drug fail in clinical trials and development work on it pulled.
82. AXA
AXA is a world leader in financial services with operations in Western Europe, North America and the Asia Pacific area. The group services 50 million customers throughout the world and has approximately 110,000 employees and distributors worldwide, working in some 50 countries. AXA reported an 18 per cent increase in its annual profit in February 2007 and announced that last year’s £5.3 billion acquisition of Winterthur from Credit Suisse would yield more financial benefits than expected.
83. Trinity Mirror
Trinity Mirror is the UK’s largest newspaper publisher, with a portfolio of more than 500 media brands. This includes some 240 local and regional newspapers, five national newspapers and four sports titles, as well as more than 300 websites.
84. Cadbury Schweppes
After announcing disappointing results in February 2007, Cadbury Schweppes was reported to be looking to find around £300 million of yearly cost savings to bolster its confectionary profits.
85. Surrey County Council
The Surrey Golf Course mansion has become shorthand for top of the pile residences of the nouveau and super rich, be one a rock star or a city slicker.
86. British Sky Broadcasting
British Sky Broadcasting (BskyB) operates Sky Digital, the UK’s largest subscription TV service and is also intent on positioning itself as the leading triple-play provider.
87. Group 4 Securicor
Group 4 Securicor is the largest security systems and services company in the world. It was created in 2004, following the merger of Securicor and Group 4 A/S, and provides a range of cash-related services such as processing and transportation as well as security services to both the public and private sector.
88. Prudential
Financial services company Prudential sells a range of investments, personal banking insurance, pensions and institutional investments and fund management.
89. Scottish & Newcastle
Scottish & Newcastle (S&N) is a beer-led drinks business and is currently ranked number seven by volume sales in the world’s top 10 brewers. Its business is primarily focused on Europe, where it is the number four brewer in volume terms and number two in profit terms.
90. British Energy
British Energy is the UK’s largest single producer of electricity, accounting for 20 per cent of the nation’s consumption from a predominantly nuclear power base. The company runs eight nuclear plants and one coal-fired power station, based in Eggborough, North Yorkshire, that it acquired in 2000.
91. Nestlé
Swiss-owned Nestlé has an impressive portfolio of leading branded food and beverage products, including Nescafé, KitKat, Ski, Carnation, Buitoni and Herta. Strong growth in its food and beverages business helped it reach a record full-year net profit this year.
92. BAA
In June 2006, BAA was bought by a consortium led by Ferrovial, the Spanish construction company, and in August officially delisted from the London Stock Exchange. BAA is one of the world’s leading airport companies owning seven UK airports and having management contracts at a number of international airports.
93. Comet Group
Comet is the second largest electrical retailer in the UK and part of Kesa Electricals, a pan-European group operating in seven countries.
94. Standard Life Group
Standard Life is one of the UK’s largest financial services organisations, providing life assurance and pensions, investment management and healthcare insurance services.
95. AMEC
AMEC’s construction business is up for sale, following a group-wide redefining of the company’s vision. The organisation is an international project management and services firm that is a major player in construction services, oil and gas, and engineering, working with clients ranging from BAA, Transco and chunks of the UK rail network.
96. Department for Transport
The Department for Transport’s (DfT) stated aim is a transport system which balances the needs of the economy, the environment and society.
97. Sunderland City Council
Sunderland is the largest city between Leeds and Edinburgh. March saw the council’s IT department win the Department for Communities and Local Government 2007 Digital Challenge and Inclusion Network award for using IT to fight social exclusion. The win netted the council £5 million.
98. Arcadia Group
With more than 2,000 outlets in high streets and shopping centres throughout the country, Arcadia Group is one of the UK’s largest clothing retailers with brands including Burton, Topshop, Dorothy Perkins, Miss Selfridge, Evans, Wallis and Outfit.
99. Cable & Wireless
Cable & Wireless purchased rival Energis in August last year for £594 million cash, in a move that made it the second largest telecommunications provider in the UK after BT.
100. Staffordshire Police
2006 was a busy year for Staffordshire Police. It held the technology portfolio in the force amalgamation process between West Midlands Police, Warwickshire Constabulary and West Mercia Constabulary.
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