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Chemical Bank was a bank with headquarters in New York City from 1824 until 1996. The bank operated as the primary subsidiary of the Chemical Banking Corporation, a bank holding company established in 1988. At the end of 1995, Chemical was the third largest bank in the U.S. with approximately $182.9 billion in assets.〔(Chemical Banking Corp. SEC Form 10-K Annual Report for the Year Ended December 31, 1995 )〕 Beginning in 1920 but accelerating in the 1980s and 1990s, Chemical was a leading consolidator of the banking industry in the United States, acquiring Chase Manhattan Bank, Manufacturers Hanover, Texas Commerce Bank and Corn Exchange Bank among others. Following Chemical's acquisition of Chase, the bank adopted the venerable Chase brand. What had been Chemical Bank is now a foundational component of what today is JPMorgan Chase. Chemical Bank was headquartered in New York City with more than 39,000 employees globally as of the end of 1995. ==Overview of the company== Chemical Bank was the principal operating subsidiary of the Chemical Banking Corporation, a bank holding company. As of the end of 1995, prior to its merger with the Chase Manhattan Bank, Chemical was the third largest bank in the United States in terms of total assets with $182.9 billion of assets. The Chemical Banking Corporation was the fifth largest bank holding company in terms of total assets.〔 Of Chemical's $182.9 billion of total assets, the bank held approximately $82.1 billion of loans, representing a balance between mortgage loans and other consumer loans as well as commercial loans in the U.S. and internationally. Among Chemical's largest international exposure was to Japan, Germany and the United Kingdom. The other assets on the bank's balance sheet included cash as well as various debt and equity securities.〔 Chemical reported record net income of $1.8 billion for 1995. Chemical's level of capital at the end of 1995 remained strong, with capital adequacy ratios well in excess of regulatory requirements. The Corporation's Tier 1 and Total Capital ratios were 8.5% and 12.1%, respectively.〔 Chemical was one of the leading banks in the U.S., active both in corporate banking as well as retail banking. Within retail banking, Chemical provided personal and commercial checking accounts, savings and time deposit accounts, personal loans, consumer financing and mortgage banking as well as trust and estate administration.〔 Chemical's corporate banking business provided a wide variety business loans, leasing, real estate financing, money transfer and cash management among other services.〔 Chemical was among the leading bank lenders to small and medium-sized businesses. Chemical also had a significant presence in investment banking as well as underwriting corporate debt and equity securities.〔 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Chemical Bank」の詳細全文を読む スポンサード リンク
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