Net Income*
  Issuer     2004   2003   Change
  Advanta Business Cards  $46.00  $34.50  33.30%
  Capital One    $1,543.50  $1,135.80  35.90%
  Chase Card Services**  $1,681.00  $1,368.00  22.90%
  Citigroup-Global Cards  $4,700.00  $3,590.00  30.90%
  MBNA     $2,677.30  $2,338.10  14.50%
  Metris     $33.70  ($147.70)  NA
  Providian    $418.60  $196.20  113.40%
  *In millions. **J.P. Morgan Chase & Co. merged with Bank One Corp. on July 1, 2004; pro forma annual results combine their card portfolios.
  Source: Company reports
 

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