Form the cart and the list below of the top 10 banks in the word:

10. Mitsubishi UFJ, Japan ? $146 billion

9. HSBC Holdings, UK ? $147 billion

8. Citigroup, US ? $158 billion

7. Wells Fargo, US ? $168 billion

6. Bank of America, US ? $189 billion

5. JPMorgan Chase, US ? $209 billion

4. Bank of China, China ? $230

3. Agricultural Bank of China, China ? $243 billion

2. China Construction Bank, China ? $287 billion

1. ICBC, China ? $338 billion

much consolidation has taken place in the banking industry as a result of deregulation. While this consolidation has led to economies of scale in the industry, some banks are now considered "too big to fail" and may have tendencies to take excessive risks.

From the atticle below:

New regulations have made the financial system safer but have also strengthened the market position of the largest banks and may discourage innovation, St. Louis Fed President James Bullard said Thursday.

"What we have done is ensconce the biggest banks as if they are going to be around 50 or 100 years from now," Bullard said, a fact that may discourage innovation and leave regulations out of step with changes in the financial industry.

Federal agencies have designated a group of large banks as systemically important and subject to stricter oversight and capital rules, and forced them to prepare "living wills" to prepare for potential failure without need of a taxpayer bailout. But many have argued that those firms still remain too big to fail and would draw government support if they faltered.

1990-1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 TRAVELERS GROUP CITICORP CITIGROUP EUROPEAN AMERICAN BANK CITIGROUP BANAMEX WASHINGTON MUTUAL GREAT WESTERN FINANCIAL H.F. AHMANSON WASHINGTON MUTUAL DIME BANCORP WASHINGTON MUTUAL FIRST CHICAGO BANC ONE BANK ONE FIRST COMMERCE JP MORGAN JPMORGAN CHASE CHASE MANHATTAN CHASE MANHATTAN JPMORGAN CHASE CHEMICAL BANKING BEAR STEARNS US TRUST MBNA CONTINENTAL BANK BANKAMERICA SECURITY PACIFIC BANCORP BANK OF AMERICA NATIONSBANK FLEET FINANCIAL GROUP BANCBOSTON HOLDINGS BANK OF AMERICA BAYBANKS BANKBOSTON SUMMIT BANCORP FLEETBOSTON FINANCIAL UJB FINANCIAL SUMMIT BANCORP COUNTRYWIDE FINANCIAL MERRILL LYNCH WELLS FARGO FIRST INTERSTATE BANCORP WELLS FARGO NORWEST HOLDING COMPANY WELLS FARGO SOUTHTRUST WELLS FARGO WACHOVIA CENTRAL FIDELITY NATIONAL BANK WACHOVIA WACHOVIA CORESTATES FINANCIAL WACHOVIA FIRST UNION FIRST UNION THE MONEY STORE Sources: Federal Reserve; GAO